OT: Bank of America has got me in a corner....

[Richard Cranium]

I've never used an ATM in my life.  

that explains alot

It explains that I'm smart enough to know how mouch money I need to have on me at any given time rather than running to an ATM every other day.

[hemi68charger]

I've never used an ATM in my life.  

that explains alot

It explains that I'm smart enough to know how mouch money I need to have on me at any given time rather than running to an ATM every other day.

Who goes every other day?  Wow, that is a lot.........

For me,
I limit my use of ATM's as well (only to deposit checks and grab some money on the weekends if I'm going to a carshow or cruise night)............ I don't carry cash with me or if I do, limit it to the bare minimum for normal activities throughout the work week. I use my check card. In the event that something happens to it via lost or stolen, no worries... So,, saying I'm not smart enough? I really don't want to be going into the bank to get cash all the time either (lines always long) and being that I have direct deposit, I have no need to head over to the nearest check cashing establishment.

Je suis desole pour le "the explains alot", I thought you were always up for a good tagging...  By the way, great "Hello!!" picture there with Belushi....

[Old Moparz]

Troy, you need to switch banks to the one this little old lady uses.......

http://news.yahoo.com/s/ap/20110603/ap_on_fe_st/us_odd_determined_depositor

She's 100 years old & has had her account since 1913. She never switched because she loves the customer service they have. 

---------------------------------------------

Ohio woman, 100, has bank account dating to 1913

CHILLICOTHE, Ohio – An Ohio woman who just turned 100 years old has taken customer loyalty to the extreme: She's still using a bank savings account that's been around almost as long as she has, since the year before World War I.

June Gregg recently mentioned to a friend that her account is the same one her father opened for her in January 1913, when she wasn't even a year-and-a-half old. The friend told the people at Gregg's small-town bank in southern Ohio.

"That perked my ears up, because I was like, `1913?!'" said Doug Shoemaker, general manager of what's now a Huntington National Bank branch in this community, 45 miles south of Columbus. The bank's investigation found out that not only was it the same account, but also that the account number changed only once, when Columbus-based Huntington acquired the plainly-named Savings Bank in the early 1980s, Shoemaker said.

Gregg still has the little blue passbook from when the account was opened with an initial deposit of $6.11. Her father, Gilbert, a farmer who grew corn, wheat and hay, was a Savings Bank customer and wanted his only daughter to learn thrift.

"That's what he always taught us: to stay out of debt and save our money and not buy anything until we had the money to pay for it," Gregg said in an interview.

With the help of the account, Gregg is comfortable in retirement even after so many years, Shoemaker said.

"I get along good because I don't have many wants," said Gregg, who never married and has no children.

The compact, white-haired woman who tends to speak with a chuckle in her voice retired in 1976 after working for the post office for more than a quarter century. Earlier, she operated a general store, using the savings account for the business. Gregg opened the store in 1932, three years after she graduated from high school and received as gifts a $2.50 gold piece and a $5 gold piece, which went into the account.

"I wish I hadn't put those in," she said, aware of gold's value. "It was during the Depression, and my dad told me to put them in the bank."

Gregg said she never considered taking her savings elsewhere because she liked the bank, across the street from the Ross County Courthouse. Greg McBride, senior financial analyst for Bankrate.com, said it used to be far more common for customers and families to develop long-term attachments to banks, but that was before all of today's shopping around and bank name changes.

"It seems less prevalent today because we're seeing such consolidation and so many changes in banking, and incentives for consumers to move," he said.

Though she has a checking account to pay bills, Gregg said she uses the savings account for "personal dealings" and still goes to the bank regularly, though she lives in Bainbridge, 17 miles away.

"I had to give up driving two years ago, so now I just have to go when I get a chance. I try to go once a month if I can," she said. Gregg now relies on friends to get around and walks with a cane.

The bank toasted Gregg on her 100th birthday Thursday with a party complete with balloons and a cake with large candles of the numerals "1-0-0." Bank employees sang "Happy Birthday."

"Certainly I think June takes the cake" for loyalty, Shoemaker said, while noting that there are other customers who've stayed with the bank for 30 or 40 years, sometimes more.

As a gift, the bank will bump up Gregg's interest rate for the next 100 days to around 5 percent, about 5 times the average going rate, Shoemaker said.

[learical1]

With the help of the account, Gregg is comfortable in retirement even after so many years, Shoemaker said.

"I get along good because I don't have many wants," said Gregg, who never married and has no children.

If I never married and had no children, I could probably retire comfortably, too.  Instead, I'm on the "work until I die" retirement plan.

[Richard Cranium]

I've never used an ATM in my life.  

that explains alot

It explains that I'm smart enough to know how mouch money I need to have on me at any given time rather than running to an ATM every other day.

Who goes every other day?   Wow, that is a lot.........

For me,
I limit my use of ATM's as well (only to deposit checks and grab some money on the weekends if I'm going to a carshow or cruise night)............ I don't carry cash with me or if I do, limit it to the bare minimum for normal activities throughout the work week. I use my check card. In the event that something happens to it via lost or stolen, no worries... So,, saying I'm not smart enough? I really don't want to be going into the bank to get cash all the time either (lines always long) and being that I have direct deposit, I have no need to head over to the nearest check cashing establishment.

Je suis desole pour le "the explains alot", I thought you were always up for a good tagging...  By the way, great "Hello!!" picture there with Belushi....

Massachusetts is a lot faster paced than, let's say, a state like Texas & people up here blow through money faster.  Seriously though, I know people who go to the ATM as much as they go to Dunkin Donuts.

[Tilar]

I pay everything through my banks web site bill pay, even my water bill that goes to city hall which is less than half a mile from my house in town. When I payed off my credit cards, the first thing I did was stop automatic bill payments and then pay them off.

[hemi68charger]

Troy, you need to switch banks to the one this little old lady uses.......

When I opened my first account here in Texas, Georgetown, it was in a very small bank, Commerce Bank. They knew me and my Mopars..

Then, they eventually got bought out by Bank of America..................... Never quite the same. The only difference were the "convenient services" they offered over time...

[hemi68charger]

Massachusetts is a lot faster paced than, let's say, a state like Texas & people up here blow through money faster.  Seriously though, I know people who go to the ATM as much as they go to Dunkin Donuts.

Small town Texas, where I live Houston, definitely not.......  I think I could go for a dose of New England.....

[Richard Cranium]

Massachusetts is a lot faster paced than, let's say, a state like Texas & people up here blow through money faster.  Seriously though, I know people who go to the ATM as much as they go to Dunkin Donuts.

Small town Texas, where I live Houston, definitely not.......  I think I could go for a dose of New England.....

If you want to get away, drive straight through Taxachusetts & go directly to VT or NH. 

[NHCharger]

Massachusetts is a lot faster paced than, let's say, a state like Texas & people up here blow through money faster.  Seriously though, I know people who go to the ATM as much as they go to Dunkin Donuts.

Small town Texas, where I live Houston, definitely not.......  I think I could go for a dose of New England.....

If you want to get away, drive straight through Taxachusetts & go directly to VT or NH. 

Just cruised the Kangamangus Highway today. Add me to the list of never using an ATM.

[bakerhillpins]

I used the ATM for the first time in close to a year this morning to grab enough $$ so that I would have something for a deposit on a Charger if it worked out. Which it didn't....    But otherwise, almost never.  I basically live by CCs, but it gets paid off every month. We use the points to clothe the kids. 

[green69rt]

Only time I ever used an ATM was when traveling overseas.  It's the best way to get cash, only small time robbery instead of the out-and-out robbers at cash windows.

I have also used a credit union for over 35 years and really like it.  Lots of credit unions now "share" sites.  I use Peoples Trust, they only have about 4 sites, none convienient for me.  But they share with another credit union five minutes away.  Works great.  Also I do not pay using my Credit union "bill payer" system, I go to each company (usually on their web site) and set it up from their end to have them draft my account automatically for what ever I want.  They send me an email notice (usually about three weeks before the draft) so I can change it if I want or stop it altogether.  Use this method on all my utilities, newspaper, credit cards, netflicks etc, etc, etc.  Never a late payment, they usually take it out on the due date.  It's worked for me for years, never a hitch.

[Ponch ®]

speaking of BofA....here's one for you "score one of the little guy" types

Bank of America Gets Pad Locked After Homeowner Forecloses On It
8:07 AM, Jun 5, 2011  |   comments


Written by
Kelly Heffernan-Tabor


Collier County, Florida -- Have you heard the one about a homeowner foreclosing on a bank?

Well, it has happened in Florida and involves a North Carolina based bank.

Instead of Bank of America foreclosing on some Florida homeowner, the homeowners had sheriff's deputies foreclose on the bank.

It started five months ago when Bank of America filed foreclosure papers on the home of a couple, who didn't owe a dime on their home.

The couple said they paid cash for the house.

The case went to court and the homeowners were able to prove they didn't owe Bank of America anything on the house. In fact, it was proven that the couple never even had a mortgage bill to pay.

A Collier County Judge agreed and after the hearing, Bank of America was ordered, by the court to pay the legal fees of the homeowners', Maurenn Nyergers and her husband.

The Judge said the bank wrongfully tried to foreclose on the Nyergers' house.

So, how did it end with bank being foreclosed on?  After more than 5 months of the judge's ruling, the bank still hadn't paid the legal fees, and the homeowner's attorney did exactly what the bank tried to do to the homeowners. He seized the bank's assets.

"They've ignored our calls, ignored our letters, legally this is the next step to get my clients compensated, " attorney Todd Allen told CBS.

Sheriff's deputies, movers, and the Nyergers' attorney went to the bank and foreclosed on it. The attorney gave instructions to to remove desks, computers, copiers, filing cabinets and any cash in the teller's drawers.

After about an hour of being locked out of the bank, the bank manager handed the attorney a check for the legal fees.

"As a foreclosure defense attorney this is sweet justice" says Allen.

Allen says this is something that he sees often in court, banks making errors because they didn't investigate the foreclosure and it becomes a lengthy and expensive battle for the homeowner.

CBS News

http://www.digtriad.com/news/watercooler/article/178031/176/Florida-Homeowner-Forecloses-On-Bank-Of-America

[John_Kunkel]

If I never married and had no children, I could probably retire comfortably, too. 

That's me, retired at the tender young age of 47 and never looked back. 

[Tilar]

speaking of BofA....here's one for you "score one of the little guy" types

Bank of America Gets Pad Locked After Homeowner Forecloses On It
8:07 AM, Jun 5, 2011  |   comments

http://www.digtriad.com/news/watercooler/article/178031/176/Florida-Homeowner-Forecloses-On-Bank-Of-America

Thats awesome! Score one for the good guys.

If I never married and had no children, I could probably retire comfortably, too. 

That's me, retired at the tender young age of 47 and never looked back. 

I did it in 2002 at 45 years old but let me tell you, after about 5 or 6 years boredom will take over and you'll find something to do. Now I have a part time job working 4 hours a day. 5:30 am to 9:30 am Monday through Friday. I love it.