Brillllllliant!

It took me until 13, but my mother always had hopes that my atheism was a passing fancy.

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I wasn't allowed to read the Bible but my aunt mailed me one when I was 14. I've never believed in it but I've had a fondness for it because of that act of kindness.

All banks truly suck, but Citibank is about the worst. I had them many years back and I left them because everything was going to "be available" in 3 to 5 business days, but that never ever happened. Even the $50 checks I'd cash multiple times a week was delayed ad finitum.

So, a contract decided they'd like to do a wire transfer. I don't deal with B&M banks these days, so a they had to do a paymemt process, and when you combine "process" with "Citibank," you may as well pretend you aren't ever getting paid.

They payer the payment on Monday morning, and Citibank told her that the transfer will take 3 to 5 business days. To most humans, this means between Thursday and Monday, but we are, afterall, talking about Citibank, so the money didn't even start on it's journey until Tuesday evening. We are at 2 business days already!

Friday comes along and I'm asked if I received the money. Nope, I'll expect it on Monday night.

Monday night is gone and it is Tuesday. I contact the payer and let her no there is no transfer. She contacts the bank and the bank says "Oh... that's not right. It's really a 5 to 7 day transfer. The money will be available no later than November 24th."

Today is November 25th and guess what? There's no money.

I'm really glad I don't run an online store and don't have orders I need to fulfill. /s

an electronic transfer takes only minutes usually. not sure what kind of transfer you are talking about.

all banks nowadays dont make funds available until they clear. unless you have overdraft protection from them. or have enough to cover them and then that is what you can with draw.
generally if you need the money you can ask and they will authorize it sooner if you have had an account in good standing for a time.

but if you dont have an account with the bank you are trying to withdraw from it does take a long time, and many wont even do it for you as there is no upside for them.

I just wanted to say that I don't believe in ghosts

that is all

There are many types of transfers. The type that you get from your employer is called an ACH transfer, which is the type that clears within minutes. This particular client didn't have that set up.

To make it more stupid, Citi withdrew the transfer (after 7 so-called business days), and mailed out a check. All of this without informing me or my client. Very nice, considering I just moved back to Los Angeles and I haven't updated my contact information.

I'm shocked and appalled, but I wish I could say I was surprised.

Go bitcoin.
Withdrew $400 from my sportsbook (brag) to my wallet and it took minutes and was free. Plus the $400 has turned into $450 in the 3 days since. (variance)

the last great folk concert is on pbs tv right now. last chance to ever see, arlo, pete seegar, the weavers, and peter paul and mary.

The banking gets even more strange. I set up a page with my merchant payment gateways, both on excellent standing for the better part of a decade. Client tries the credit card and... you guessed it, declined.

She said it wasn't her cards, but the errors said the bank blocked the transactions.

Wow, just wow. It never ends.

well those payment gateways do the transaction in 3 seconds or less. and it goes back and forth between banks and credit cards and the gateway merchant until it clears or if the tiniest thing is out of order it declines. it is amazing it works at all.

a credit card is just a promise of future payment. so anyone involved wants to minimize their risk as if no pay someone ends up holding the bag.

I have stock in Bank of America. It's doing very, very well. That's all I care about.

Today the student asserts his incapacity as a privilege. - Philip Roth (From The Human Stain, p 331, First Vintage International Edition, 2001]

Could make a thread about this but decided against it. Still, wanted to hear comments from a few people on the above, especially John and Phat and Dom and others of course. I taught college students, but only for a few years, when a grad student. Did not teach High School or at lower levels of education.

I taught at a community college for several years, and saw none of that. Most of my students were adults with aspirations to get ahead in life.

Having said that, I see increasing demands from the American population in general to keep things simple. For example, the current vying over creationism and evolution is seen as a demand that either God or Nature fulfill their obligation to do things in a simple easy-to-understand manner. It took me months to realize that flat-earthers weren't joking.

Coupled with the desire for things to be simple is the desire to be able to make something so by saying it's so, which, in my opinion, is equally dangerous.

I never liked school so it's always been satisfying to not care about it. The world overall is pretty good right now so why shouldn't I act Confident without a degree?

too much technology. i want it back to simple. it just takes too much time to figure out anything you buy that is electronic. the extra utility you get from things arent worth the time of life lost mastering them at least for me.

its been extra warm for this time of the year in montana. breaking records with all this global warming.

since its so warm please hold of on the the winter thread as its too early. mr.cole.

I had them for about 6 months. They managed to take about $300 / month from me. Hope you got all of that.

Sad part is I was only earning $1k / month at that time. The few times I walk into a BofA still gives me the hives.

how did they so called take 300 a month from you.

Was thinking about this some more. It may explain education inflation and things such as PhD gluts. Students continue in school until they learn something useful. If they graduate a 4-year college without learning anything -- because of their privileged incapacity -- they have to continue to graduate work.

If, on the other hand, they had gone through a rigorous and demanding K-12 program they would be good to go with a high school diploma. None of this can be blamed on the students. It's the adults who are supposed to be teaching them.

I will be in New Orleans this week, so I won't be thinking of winter threads quite yet, Ray. Cold here in Mass, though.

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Well in kansas there was a cold front and the heat went out in my apartment . this was two days ago. I would call the apartment maintenence to fix my heat but didnt feel i could since my apartment is currently filled with smoke and trash and whisky bottles and tens of thousands of magic the gathering cards littered everywhere and thousands of books just randomly thrown about and clothes and posters and its hard to walk around. In general i would be terrified if any human saw this so i woke up at 5 am literally freezing and had to ride around in my car just for warmth. then the cold front moved east and it got warm again. Instead of cleaning my apartment i have just been going to work at the grocery store and going to other peoples houses and freezing to death when i go home to wash my clothes. still the warm front helps. This would all be easy to fix if i was a functioning person.

I think that was the worst month. Banks like to charge for "insufficient funds," which is kind of ironic, isn't it?

I think they had a minimum balance, say $50 or so, if that's not there, they charge money. So, say they charge $15 / month for a small account. If you have $7.50, they charge + overdraft. Of course, you probably spend $5 a McDonalds and another $2.50 for bus fair.

Subtract the $15 and now you have 3 overdraft fees at $35 a pop. That's $120 in fees that you didn't even get to use.

I think holding stock in banks is absolutely unethical, but then again, I'm never going to be rich enough to invest in stocks, so I can't really make a statement about it, can I?

It's freezing in Los Angeles. Been 60 and 50 at night. (sorry)

I thought it was illegal for Americans to become members of the Royal family.