tag:blogger.com,1999:blog-54996500407460847172024-03-13T15:27:24.660-07:00America For Fair BankingCarol Schultzhttp://www.blogger.com/profile/02277120447454788570noreply@blogger.comBlogger59125tag:blogger.com,1999:blog-5499650040746084717.post-35734309855783078202011-12-13T20:43:00.000-08:002011-12-13T20:43:16.139-08:00Illinois Teen Learns About Bank Fees the Hard WayDo you remember when minors were encouraged to open a savings account and every dollar that was deposited was considered a good thing? Minimum balances were not required for minors and instead of service charges interest was paid.<br />
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My how things have changed!<br />
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<span style="font-size: large;"><a href="http://news.yahoo.com/illinois-teen-learns-bank-fees-hard-way-154654489.html;_ylc=X3oDMTNrNm0yNWVhBF9TAzc2NDUzNjUEYWN0A21haWxfY2IEY3QDYQRpbnRsA3VzBGxhbmcDZW4tVVMEcGtnAzYyYmI0NDNlLTU2NGUtMzZiMi1hNTcxLTdlN2ZiM2U3NzM3NQRzZWMDbWl0X3NoYXJlBHNsawNtYWlsBHRlc3QD;_ylv=3">Illinois Teen Learns About Bank Fees the Hard Way</a></span><br />
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After $229 in fees caused because he let his balance drop to $4.85 I bet they are all happy for the wonderful customer service they have received.Carol Schultzhttp://www.blogger.com/profile/02277120447454788570noreply@blogger.com0tag:blogger.com,1999:blog-5499650040746084717.post-7526185595003638032011-12-01T20:47:00.001-08:002011-12-02T05:56:32.591-08:00Wells Fargo Passes Counterfeit $100<div class="MsoNormal" style="margin: 0in 0in 10pt;"><span style="font-family: Calibri;">After cashing a check at<strong> Wells Fargo </strong>the funds were taken to Chase to make a mortgage payment. <strong>Among the bills a counterfeit $100 was detected!</strong> <span style="mso-spacerun: yes;"> </span>After almost an hour of review and completing forms the bill was confiscated for the Secret Service . <o:p></o:p></span></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjhfackhA9tPlPUc7JdUhu54ER-Sqy09e3wXy0v_xoKfjdf7YNcK0AWAsq-C07oUjuXBRwtiFngz9nWnNudTmL7eqzt1bYrw08jICwvlLDvmHfia4mpKrCF-9aIlbLsV2WpvgiJcR1Hj-Wb/s1600/imagesCAM6UM0N.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="137" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjhfackhA9tPlPUc7JdUhu54ER-Sqy09e3wXy0v_xoKfjdf7YNcK0AWAsq-C07oUjuXBRwtiFngz9nWnNudTmL7eqzt1bYrw08jICwvlLDvmHfia4mpKrCF-9aIlbLsV2WpvgiJcR1Hj-Wb/s320/imagesCAM6UM0N.jpg" width="320" /></a></div><span style="font-family: "Calibri","sans-serif"; font-size: 11pt; line-height: 115%; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"></span> <br />
<span style="font-family: "Calibri","sans-serif"; line-height: 115%; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">I am out $100 with no recourse!!<span style="mso-spacerun: yes;"> I went back to Wells Fargo and was told that since I cannot PROVE the money came from them they would not replace it. Now if by some small chance after 4 bank employees at Chase having reviewed the bill if the Secret Service were to decide they had made a mistake I would get the bill back in a month.<span style="mso-spacerun: yes;"> </span></span><span style="mso-spacerun: yes;"> </span></span><br />
<span style="font-family: Calibri;"></span> <br />
<span style="font-family: Calibri;">I hope this makes you as angry as it made me. If we cannot trust our banks to pass out real money than something is terribly wrong. Now regardless of whether I can PROVE it or not if I had wanted phony money I would have dug into my Monopoly game, not gone to a bank.</span><br />
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<span style="font-family: Calibri;">Yes, I'm stewing on my next soapbox post and will have it up soon. Please don't jump to the conclusion that "See, debit cards are better" before you read it. As I mention on the sidebar I was in banking and worked in the computer center of a major bank. I was one of the small fry people working on EFT at the birth of what was called Merchant Services in the early 70's. This eventually became what is now called the debt card. That is why I DON'T have one.</span><br />
<span style="font-family: Calibri;"></span> <br />
<span style="font-family: Calibri;">I wanted to keep this short and simple as the story is, the title says it all:</span><br />
<span style="font-family: Calibri;"></span> <br />
<span style="font-family: Calibri; font-size: large;"><strong>Wells Fargo passes counterfeit $100!</strong></span>Carol Schultzhttp://www.blogger.com/profile/02277120447454788570noreply@blogger.com0tag:blogger.com,1999:blog-5499650040746084717.post-91486613552520682772011-11-08T12:22:00.000-08:002011-11-08T12:26:34.591-08:00Smart on Money Banking Blog link<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEge9H91Wc32iC1kB-dOLn_s8A6S4F8AzgT0jVMi-f1jRZlkZXQYRRcY6J8uKVxzJLNMPGwokPYaWehVA5htlCUpFG5ML2S_ZMn8NCnYFgzhuv1_ndUv9_ACvvIc74nH8taGvJOhBhcNC-A/s1600/imagesCAC8UV81.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEge9H91Wc32iC1kB-dOLn_s8A6S4F8AzgT0jVMi-f1jRZlkZXQYRRcY6J8uKVxzJLNMPGwokPYaWehVA5htlCUpFG5ML2S_ZMn8NCnYFgzhuv1_ndUv9_ACvvIc74nH8taGvJOhBhcNC-A/s1600/imagesCAC8UV81.jpg" /></a></div>It has been ages since I have shared on this blog but I found <a href="http://www.smartonmoney.com/consumers-may-have-won-this-round-but-the-bank-fee-war-is-far-from-over/">Smart On Money</a> seems to be keeping up and trying to inform people of new developments in the banking industry. For those interested it may be a good blog to subscribe to.<br />
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My views have become quite solidified and my approach simple: Unfortunately it is necessary to have at least one account to cash checks and facilitate transfers of funds for monthly expenses, beyond that banking is no longer an industry to be trusted. Used car salesmen now get to take a place of integrity above the major banks. Small local banks still are a good service but becoming harder to find. AIG also has had high ratings from a number of financial bloggers.<br />
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<a href="http://www.smartonmoney.com/consumers-may-have-won-this-round-but-the-bank-fee-war-is-far-from-over/">Smart On Money</a>Carol Schultzhttp://www.blogger.com/profile/02277120447454788570noreply@blogger.com0tag:blogger.com,1999:blog-5499650040746084717.post-4205797064668928702010-11-09T21:53:00.000-08:002010-11-09T21:53:08.093-08:00new-ways-bankers-are-spying-on-you: Personal Finance News from Yahoo! Finance<a href="http://finance.yahoo.com/banking-budgeting/article/111250/new-ways-bankers-are-spying-on-you">new-ways-bankers-are-spying-on-you: Personal Finance News from Yahoo! Finance</a><br /><br />Remember, everytime you opt for convenience you opt to give up a little more of your privacy. If you have not read George Orwell's 1984 it might be an eyeopener. We have arrived. Another good book to rattle your thinking is None Dare Call It Conspiracy.Carol Schultzhttp://www.blogger.com/profile/02277120447454788570noreply@blogger.com0tag:blogger.com,1999:blog-5499650040746084717.post-77576268214443430642010-10-23T08:02:00.000-07:002010-10-23T08:02:58.679-07:00Obama: Consumers lose if financial law repealed - Yahoo! News<a href="http://news.yahoo.com/s/ap/20101023/ap_on_bi_ge/us_obama_financial_overhaul">Obama: Consumers lose if financial law repealed - Yahoo! News</a><br /><br />The banking laws are not a common subject of discussion however I personally believe they are some of the most important laws effecting our economy at this time. It's not just those who have been sloppy with their bookkeepping that have been affected by the fees. Having worked in banking in the 80s I firmly believe that these laws were critical to begin to restore the "customer first" policies needed within the banking industry. <br /><br />The banking industry has brought this country to it's knees and it's time for us to stand up again. These banking laws are not a democratic or republican issue - they are a people issue.Carol Schultzhttp://www.blogger.com/profile/02277120447454788570noreply@blogger.com0tag:blogger.com,1999:blog-5499650040746084717.post-27833615727982319532010-10-01T16:30:00.000-07:002010-10-01T16:30:14.098-07:00Bank of America added to the list.<a href="http://news.yahoo.com/s/ap/20101001/ap_on_bi_ge/us_bank_of_america_foreclosures">http://news.yahoo.com/s/ap/20101001/ap_on_bi_ge/us_bank_of_america_foreclosures</a><br />
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Honestly this all just makes me sick to my stomach at times.Carol Schultzhttp://www.blogger.com/profile/02277120447454788570noreply@blogger.com0tag:blogger.com,1999:blog-5499650040746084717.post-9141314385209156002010-10-01T14:15:00.000-07:002010-10-01T16:28:48.689-07:00Chase freeze on foreclosures - Read why.<a href="http://moneywatch.bnet.com/saving-money/blog/home-equity/will-chases-foreclosure-freeze-fix-the-housing-market">http://moneywatch.bnet.com/saving-money/blog/home-equity/will-chases-foreclosure-freeze-fix-the-housing-market</a><br />
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I'd like to think that this freeze comes as a help to American homeowners but I would be wrong. Information is mounting about the unfair practices used that caused so many people to leave their homes.<br />
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Remember the story of the scorpion who asked the frog to help him across the river? This was one mighty big scorpion.Carol Schultzhttp://www.blogger.com/profile/02277120447454788570noreply@blogger.com0tag:blogger.com,1999:blog-5499650040746084717.post-52154986035948267942010-09-30T12:39:00.000-07:002010-09-30T12:39:08.665-07:00In The Trenches - Budgeting for Financial Survival and Recovery: Nearly 50 percent leave Obama mortgage-aid program...<a href="http://inthetrenches2009.blogspot.com/2010/08/nearly-50-percent-leave-obama-mortgage.html?spref=bl">In The Trenches - Budgeting for Financial Survival and Recovery: Nearly 50 percent leave Obama mortgage-aid program...</a>: "Nearly 50 percent leave Obama mortgage-aid program - Yahoo! Finance The biggest question that comes to mind when reading an article like th..."Carol Schultzhttp://www.blogger.com/profile/02277120447454788570noreply@blogger.com0tag:blogger.com,1999:blog-5499650040746084717.post-52936263085364392892010-09-30T12:36:00.000-07:002010-09-30T12:36:56.335-07:00In The Trenches - Budgeting for Financial Survival and Recovery: JPMorgan (NYSE: JPM) to Increase Staff in Asia by ...<a href="http://inthetrenches2009.blogspot.com/2010/09/jpmorgan-nyse-jpm-to-increase-staff-in.html?spref=bl">In The Trenches - Budgeting for Financial Survival and Recovery: JPMorgan (NYSE: JPM) to Increase Staff in Asia by ...</a>: "JPMorgan (NYSE: JPM) to Increase Staff in Asia by 40%. : American Banking News For some reason this article really puts me on alert. Yes, ..."Carol Schultzhttp://www.blogger.com/profile/02277120447454788570noreply@blogger.com0tag:blogger.com,1999:blog-5499650040746084717.post-55461267572670596482010-09-30T12:34:00.000-07:002010-09-30T12:34:13.638-07:00Foreclosures Halted by JP Morgan Due to Falsification | Money and Risk<a href="http://www.moneyandrisk.com/news-flash/current/foreclosures-halted-by-jp-morgan-due-to-falsification/">Foreclosures Halted by JP Morgan Due to Falsification Money and Risk</a><br /><br />Reminds me that we only know the half of it. The half they want us to know.Carol Schultzhttp://www.blogger.com/profile/02277120447454788570noreply@blogger.com0tag:blogger.com,1999:blog-5499650040746084717.post-14653593613190807982010-09-24T13:20:00.000-07:002010-09-24T13:20:35.499-07:00Bank fee Whac-a-Mole: New charges hit accounts<a href="http://money.cnn.com/2010/09/24/pf/new_bank_fees/index.htm?source=cnn_bin&hpt=Sbin">Bank fee Whac-a-Mole: New charges hit accounts</a><br /><br />It's like in the movies where the bad guy just keeps shooting!Carol Schultzhttp://www.blogger.com/profile/02277120447454788570noreply@blogger.com0tag:blogger.com,1999:blog-5499650040746084717.post-82918934199931688132010-09-24T12:53:00.000-07:002010-09-24T12:53:31.877-07:00Money Borrowers Are Not Lambs, They Have Learnt To Revolt!<a href="http://www.financemetrics.com/money-borrowers-are-not-lambs-they-have-learnt-to-revolt/">Money Borrowers Are Not Lambs, They Have Learnt To Revolt!</a><br /><br />It's about time!!! Yeah, for Americans! oops. Did I say that out loud?Carol Schultzhttp://www.blogger.com/profile/02277120447454788570noreply@blogger.com0tag:blogger.com,1999:blog-5499650040746084717.post-54011021927382689272010-09-24T12:49:00.000-07:002010-09-24T12:49:09.200-07:00Save the banks from themselves<a href="http://www.financemetrics.com/save-the-banks-from-themselves/">Save the banks from themselves</a><br /><br />Is your bank too big to fail? Maybe not if you get your money out before it happens.<br /><br />If we read the list of those banks that are now in trouble we could hasten the downfall of many good community banks giving further power and control to the predators in the industry. However if we use good service to base our decisions on we will pull our money from the bad boys and strengthen our communities and those who try to meet their needs. It's our decision as Americans. What will it be?Carol Schultzhttp://www.blogger.com/profile/02277120447454788570noreply@blogger.com0tag:blogger.com,1999:blog-5499650040746084717.post-62902439612427446242010-09-17T17:50:00.000-07:002010-09-17T17:50:30.263-07:00Elizabeth Warren Says `It's a New Day' for U.S. Banks - Video - Bloomberg<a href="http://www.bloomberg.com/video/63007396/">Elizabeth Warren Says `It's a New Day' for U.S. Banks - Video - Bloomberg</a><br /><br />I watched an interview with her on t.v. and was very excited and hopeful. Impressions anyone?Carol Schultzhttp://www.blogger.com/profile/02277120447454788570noreply@blogger.com0tag:blogger.com,1999:blog-5499650040746084717.post-70756773226831898332010-09-14T09:17:00.000-07:002010-09-14T09:17:13.626-07:00Bank Screws Man For $900, He Tells Others, Ultimately Costing Bank $100,000 In Lost Business - The Consumerist<a href="http://consumerist.com/2010/09/bank-screws-man-for-900-he-tells-others-ultimately-costing-bank-100000-in-lost-business.html">Bank Screws Man For $900, He Tells Others, Ultimately Costing Bank $100,000 In Lost Business - The Consumerist</a><br /><br />This is how receiving poor customer service should work when the banks are unwilling to work with the customer.<br /><br />In a quick glance I saw that The Consumerist had a number of articles about customers stepping up to unfair banking actions as well as many other topics. Another good place to keep up with what's going on.Carol Schultzhttp://www.blogger.com/profile/02277120447454788570noreply@blogger.com0tag:blogger.com,1999:blog-5499650040746084717.post-21735933444795648142010-08-18T11:43:00.000-07:002010-08-18T11:43:09.288-07:00New Laws Rock the Debt Settlement World<a href="http://personalfinancebythebook.com/new-laws-rock-the-debt-settlement-world/comment-page-1/#comment-3308">New Laws Rock the Debt Settlement World</a><br /><br />Are you currently or considering working with a debt settlement company? Here is some important information about upcoming legislation you need to be aware of written by Garrett Driscoll of Debt Eagle and published courtesy of Personal Finance By The Book.Carol Schultzhttp://www.blogger.com/profile/02277120447454788570noreply@blogger.com0tag:blogger.com,1999:blog-5499650040746084717.post-38891610125629999662010-08-12T19:52:00.000-07:002010-08-12T19:52:25.268-07:00Bank customers fighting overdraft fees in court - Yahoo! Finance<a href="http://finance.yahoo.com/news/Bank-customers-fighting-apf-823655188.html?x=0&.v=1">Bank customers fighting overdraft fees in court - Yahoo! Finance</a><br /><br />The battle continues! This time in Florida.<br /><br />Customer service is not optional. It's your money.<br /><br />Have you changed your bank yet?Carol Schultzhttp://www.blogger.com/profile/02277120447454788570noreply@blogger.com2tag:blogger.com,1999:blog-5499650040746084717.post-90269925830300381172010-08-12T19:22:00.000-07:002010-08-12T19:22:05.827-07:00Judge orders Wells Fargo to pay back $203M in fees - Yahoo! Finance<a href="http://finance.yahoo.com/news/Judge-orders-Wells-Fargo-to-apf-3665036279.html?x=0">Judge orders Wells Fargo to pay back $203M in fees - Yahoo! Finance</a><br /><br /><br />Have you changed your bank yet?Carol Schultzhttp://www.blogger.com/profile/02277120447454788570noreply@blogger.com0tag:blogger.com,1999:blog-5499650040746084717.post-32144225324292515542010-08-03T21:18:00.000-07:002010-08-03T21:19:26.660-07:00The new credit card tricks.<a href="http://finance.yahoo.com/banking-budgeting/article/110213/the-new-credit-card-tricks?mod=bb-creditcards">the-new-credit-card-tricks: Personal Finance News from Yahoo! Finance</a><br />
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It's been less than two weeks since new banking legislation went into effect and the banks are making their counter move. See the link above.<br />
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Let me put it another way...what if you went into McDonalds and ordered a burger. While you were getting your money the cashier reached over the counter and grabbed an extra $5 from your wallet. What would your reaction be? I would hate to think of it. Then when you demanded to know why they took the $5 the cashier told you it was because you were too slow at taking the money out of your wallet. Then the cashier turns around and gives your $5 to his manager who slips it into his pocket.<br />
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Or, what if the reader board at the drive thru said that the Big Mac cost $1.99. When you got to the window they told you your total was $5.99. You ask why. The cashier tells you that the $1.99 price is only for those who get to the window in 45 seconds and you took 60 seconds. And, an additional surcharge was added because you had not been to McDonalds in over a month and had supersized your fry the last time you were there. They further tell you that you should have read the fine print on the reader board and that if you do not pay the entire $5.99 they will report you to the fast food hotline and that you will not be able to buy fast food anyplace in the country for 7 years.<br />
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What would you do? How many times would you continue to go back to McDonalds? <br />
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This is what customers have been experiencing with the major banks for the last few years. And, yet they are still in business. Why is that? It is because the American people continue to deposit their paychecks. <br />
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This is not the fault of your local teller who works hard and does their job just like everybody else. The policies that dictate this go straight to the very top and are now being battled at the congressional levels. Rumors of the battles are filtering down to the people who keep depositing their checks every week. What makes things worse is that some of the officials who are elected by the people are actually siding with the banks.<br />
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Don't stop looking over your shoulder yet. If you still have credit cards the banks are still trying to eke out every fee possible. They are definitely tenacious. Every time a law goes into effect to block exorbitant fees they find a way to go around it. <br />
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So, have you changed your bank yet? Have you closed your credit cards? Are you tired of paying for someones fancy lifestyle while you continue to cut corners?<br />
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It's your money. It's your choice.Carol Schultzhttp://www.blogger.com/profile/02277120447454788570noreply@blogger.com0tag:blogger.com,1999:blog-5499650040746084717.post-47930564767294208082010-07-25T12:08:00.000-07:002010-07-25T12:08:47.077-07:00Summary of new banking legislationFree From Broke financial blog has done a nice job in summarizing some of the changes that will happen as a result of the new banking legislation. Everyone has lots of questions about this huge document and what it all means. The summary will help outline some of the key provisions.<br />
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<a href="http://freefrombroke.com/2010/07/doddfrank-wall-street-reform-consumer-protection-act-signed-law.html">http://freefrombroke.com/2010/07/doddfrank-wall-street-reform-consumer-protection-act-signed-law.html</a>Carol Schultzhttp://www.blogger.com/profile/02277120447454788570noreply@blogger.com0tag:blogger.com,1999:blog-5499650040746084717.post-74982123153189208722010-07-21T12:01:00.000-07:002010-07-21T12:01:51.168-07:00Obama signs sweeping financial overhaul into law - Yahoo! News<a href="http://news.yahoo.com/s/ap/20100721/ap_on_bi_ge/us_financial_overhaul">Obama signs sweeping financial overhaul into law - Yahoo! News</a><br /><br />Yes!!!! Finally! Despite all the big money opposition the American people can say "something tells me I'm in for something good"<br /><br />It's just a beginning and there is much work left to do after the havoc that the major financial institutions have caused. The results are still snowballing for the millions of homes and jobs lost but we will recover and be stronger and better for it.<br /><br />Priceless.....Carol Schultzhttp://www.blogger.com/profile/02277120447454788570noreply@blogger.com0tag:blogger.com,1999:blog-5499650040746084717.post-63792049849806524382010-07-06T21:04:00.000-07:002010-07-06T21:04:45.399-07:00How much does it cost to buy an American politician?<span style="color: red; font-size: large;">BREAKING NEWS!BREAKING NEWS! BREAKING NEWS!</span><br />
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REF: <a href="http://www.foxbusiness.com/story/markets/industries/finance/goldman-political-donations/">http://www.foxbusiness.com/story/markets/industries/finance/goldman-political-donations/</a><br />
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Tuesday, July 06, 2010<br />
Goldman Done With Political Donations, for Now<br />
By Charlie Gasparino and Sital Patel<br />
FOXBusiness<br />
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I'm not sure of the exact copyright requirements so rather than me reprinting the article please go to the link above. <br />
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The message from the heads of the banks is clear....vote how we want or all the campaign contributions are gone...or, did it say kickbacks?<br />
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The article is EXPLOSIVE and POWERFUL. Please take a look and pass it on. Carol Schultzhttp://www.blogger.com/profile/02277120447454788570noreply@blogger.com0tag:blogger.com,1999:blog-5499650040746084717.post-31643810756126480972010-07-04T10:55:00.000-07:002010-07-04T10:55:48.159-07:00whats-behind-those-urgent-notices-from-your-bank: Personal Finance News from Yahoo! Finance<a href="http://finance.yahoo.com/banking-budgeting/article/109980/whats-behind-those-urgent-notices-from-your-bank?mod=bb-budgeting">whats-behind-those-urgent-notices-from-your-bank: Personal Finance News from Yahoo! Finance</a><br /><br />If you are the type, like me, who throws away all extra "junk mail" from your financial services it would be easy to miss these very important banking changes. The banks are counting of a certain percentage of the population to do just that! As the article mentions, banks make BILLIONS in overdraft fees so it is in their best interest for you to continue to have the overdraft protection line so they can whop you with an overdraft fee if you go over your balance by a dollar. This legislation is especially important to those who use debit cards for all daily little expenses. <br /><br />The article also provides a number of possible alternatives of how you can set up your accounts to optimize your use of funds and protect you from large expenses for silly mistakes. I want to add an additional idea: keep separate accounts for your primary bills from your daily use account. I don't know about you but I don't want my mortgage payment or light bill to bounce, period. I want overdraft protection for these payments. Possible fees, especially on credit card payments, are more than the OD fee and your record could be tarnished if your payment is posted late. It may takes days before you are aware of the problem.<br /><br />If you keep your spending money in a separate account and funds run low because you forgot to write something down your transaction will be rejected and you therefore be "notified" of the error without a big fee attached. Keeping a reserve $20 in your wallet allows you to buy that morning coffee that most of us can't do without. This will provide you the time to go figure out what mistake may have been made, or if your spouse used the card and forgot to tell you. If you think that would create embarrassment then weigh the chagrin against the hundreds of dollars that might have already been spent on OD fees that make you sick when the bill is opened. <br /><br />Bottom line is that many people are keeping lower balances than they would like as they are trying to stretch every dollar. The ideal situation would be to keep high balances wouldn't it? In the meantime, we all make mistakes. Review the options and choose what will work best for your situation. Pass the word along to those you know have complained about the fees in the past.Carol Schultzhttp://www.blogger.com/profile/02277120447454788570noreply@blogger.com0tag:blogger.com,1999:blog-5499650040746084717.post-11036911633605576232010-06-30T23:05:00.000-07:002010-06-30T23:09:41.127-07:00The Creature from Jekyll Island by G Edward GriffinYou are probably aware that I only update this site as I find articles and information that I feel is pertinent. <br />
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A couple things I'm watching now and hope you are too. The new banking legislation that congress is working on, and,<br />
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<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi3CXeYwpL5V2UnTswggyojgfWSipfQ-di3OT0Mia0AaPb5aDKMQvIhIhvfi9_AjiAAGe-5gOIJ12cXIvG9Yetz_7c_oWrNBHQpOg2dnoEkdGWDCTY-9SDigFNDOrhpeJgnMk5tyEqwc78/s1600/51K8RZ6GnEL._SL160_AA115_%5B1%5D.jpg" imageanchor="1" style="clear: left; cssfloat: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="200" rw="true" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi3CXeYwpL5V2UnTswggyojgfWSipfQ-di3OT0Mia0AaPb5aDKMQvIhIhvfi9_AjiAAGe-5gOIJ12cXIvG9Yetz_7c_oWrNBHQpOg2dnoEkdGWDCTY-9SDigFNDOrhpeJgnMk5tyEqwc78/s200/51K8RZ6GnEL._SL160_AA115_%5B1%5D.jpg" width="200" /></a></div>a book called The Creature from Jekyll Island by G Edward Griffin, A Second Look at the Federal Reserve. I have had it on request at the library for months and finally got a copy. It is recommended by Ron Paul (Congress, House Banking Committee)and Robert Kiyosaki, (Rich Dad Poor Dad). And, Willy Nelson, imagine that.<br />
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The book is huge! I just started reading and it is fascinating with lots of history and photos. It came highly recommended to me. Despite the size it reads faster than one would expect. But here's the thing. When I went to renew it someone else was in line so back to the library it goes and I will get in line again. Instead of trying to do my own review I have decided to post the link to the Amazon reviews. Sorry for the short cut but I want to make sure this book is getting out there and people are aware of it. I did notice that Amazon also carries an abridged version on CD. This might be the way to go if time is an issue. Five Star.<br />
<a href="http://www.amazon.com/Creature-Jekyll-Island-Federal-Reserve/product-reviews/0912986395/ref=sr_1_1_cm_cr_acr_pop_hist_all?ie=UTF8&showViewpoints=1&qid=1277963135&sr=8-1">http://www.amazon.com/Creature-Jekyll-Island-Federal-Reserve/product-reviews/0912986395/ref=sr_1_1_cm_cr_acr_pop_hist_all?ie=UTF8&showViewpoints=1&qid=1277963135&sr=8-1</a>Carol Schultzhttp://www.blogger.com/profile/02277120447454788570noreply@blogger.com0tag:blogger.com,1999:blog-5499650040746084717.post-16422973082588474822010-06-07T11:06:00.000-07:002010-06-07T11:06:40.589-07:00Boise woman becomes a mortgage crusader on Facebook | Local News | Idaho Statesman<a href="http://www.idahostatesman.com/2010/06/07/1221008/mortgage-crusader.html">Boise woman becomes a mortgage crusader on Facebook Local News Idaho Statesman</a><br /><br />There's good and bad news about the experience people have with loan modifications. If you are considering one you may find this article and facebook link helpful.<br /><br />I know that my experience with Chase last year was overwhelmingly terrible and I never was able to get my problem solved. The hours of being re-routed and being on hold was miserable. <br /><br />But, the loan modification program can have great benefits to homeowners who are struggling to find a way to keep going and well may be worth the effort in the long run.<br /><br />Should we expect better service than this? Of course.Carol Schultzhttp://www.blogger.com/profile/02277120447454788570noreply@blogger.com0