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#27 Mar 01 2013 at 5:59 PM Rating: Good
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Greendot
Debit, also has higher fees than a bank.

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Ah, yeah. I can't overdraft my account unless/until I enable it ad it won't be enabled until I show I have a steady income.


Out here we let them overdraft but RQ paycheck routing for the banking solutions a poor would use.
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#28 Mar 01 2013 at 8:06 PM Rating: Default
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Guenny wrote:
catwho wrote:
Wal-Mart employs approximately 1% of the working US population. Them going under would single handedly plunge us back into a recession as bad as 2008.


And about 80% of them are on food stamps, and none of them have health benefits.


DailyKoS? Really? You can't spot the problems with their statistical analysis? I have no specific love of WalMart, but they don't do anything that tons of other businesses with mostly entry level and low skill labor do. They just happen to employ a lot more people while doing it. I'm not even sure where they get the 80% food stamp participation number since the link provided with that statement doesn't mention it, nor does it include the quoted statement in that paragraph, nor the quote in the box following it. But even if we assume this is true, it doesn't tell us anything specific about WalMart unless we compare that to other businesses with a similar workforce.

I also find it somewhat amusing when the left fights so hard to increase public benefits, and raise the bar to qualify for them, and then turns around and punishes businesses who now have a bunch of employees receiving those benefits. Did Walmart pay change relatively speaking? Or did it just become easier to qualify for food stamps? The bigger issue IMO isn't what WalMart is paying, but that more people who are raising families can't find a job better than WalMart to do so. I just think that it's completely backwards to try to make a low skill job like shelf stocking at WalMart pay a "living wage". What we should be doing is encouraging the creation of jobs that actually produce greater economic value (and thus command higher pay). And in this area, the economic policies of the Left have been an absolute disaster.

Blaming the company paying low wages for low skill work is just kinda stupid. That's like blaming the retarded kid for being retarded. What should be alarming us far more is the lack of availability of genuine good paying jobs out there in the market. Making the crap jobs pay more isn't the right answer and it should be obvious why.
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#29 Mar 01 2013 at 11:34 PM Rating: Good
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15-20 years ago you could be in trouble in Australia if you didn't qualify for a credit card, to take advantage of internet prices and goods. So I feel the pain of people who need a credit/debit card but don't qualify for one. Then they introduced the ****-debit card into Australia and life was peachy because of different bank practices over here. Qualifying for a cheque account was not a problem because every bank has a Transaction Account option that comes without cheques or overdrafts for that matter. Choose the right financial institution and they come without bank fees, either.

Most employers, government departments and insurers pay wages and benefits straight to your nominated account. Almost no regular transaction goes through a cheque. We're considering getting rid of them all together. If your pay goes straight into your Transaction Account with attached card, cheques, and bouncing cheques, become a non issue.

The big hurdle in Oz to having a basic bank account, and a debit card, is not poverty or a bad credit score, but providing your identity. You need one of a birth certificate, a driver's license, or a passport. If you have two of those, great. If you have only one of them, they want to see a utility bill in your name with your address on it as well.
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#30 Mar 02 2013 at 5:20 AM Rating: Good
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I haven't seen anyone use a check in.. well... ever. I think you could still pay with them but I don't know of anyone who ever does.
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#31 Mar 02 2013 at 6:25 AM Rating: Good
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Larger stores like Wal-mart just scan the check and get the bank routing info, then give you the check back and have you sign electronically similar to a debit card.

Funny watching old people spend a minute filling out a check and then giving it to the cashier as the cashier tries to kindly tell them they don't need to fill it all out and the person just doesn't listen.
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#32 Mar 02 2013 at 10:40 AM Rating: Decent
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I also find it somewhat amusing when the left fights so hard to increase public benefits, and raise the bar to qualify for them, and then turns around and punishes businesses who now have a bunch of employees receiving those benefits. Did Walmart pay change relatively speaking? Or did it just become easier to qualify for food stamps? The bigger issue IMO isn't what WalMart is paying, but that more people who are raising families can't find a job better than WalMart to do so. I just think that it's completely backwards to try to make a low skill job like shelf stocking at WalMart pay a "living wage". What we should be doing is encouraging the creation of jobs that actually produce greater economic value (and thus command higher pay). And in this area, the economic policies of the Left have been an absolute disaster.

The unicorn police have done a great job of preventing gun related homicides.

We're just posting what we want to be true, right?
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#33 Mar 02 2013 at 10:46 AM Rating: Decent
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Blaming the company paying low wages for low skill work is just kinda stupid. That's like blaming the retarded kid for being retarded. What should be alarming us far more is the lack of availability of genuine good paying jobs out there in the market.

They were moved to labor markets where cost is lower. Surely you remember the post a few weeks ago where you stated this never happened and labor cost were a tiny factor?

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#34 Mar 02 2013 at 11:49 AM Rating: Excellent
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Smasharoo wrote:
The unicorn police have done a great job of preventing gun related homicides.

We're just posting what we want to be true, right?

Depends. Are we talking about men who police unicorns or unicorns with law enforcement duties?

Because I desperately want the second one to be true.
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#35 Mar 02 2013 at 11:51 AM Rating: Good
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You guys are avoiding the all important armor color question.
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#36 Mar 02 2013 at 4:20 PM Rating: Good
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Jophiel wrote:
Smasharoo wrote:
The unicorn police have done a great job of preventing gun related homicides.

We're just posting what we want to be true, right?

Depends. Are we talking about men who police unicorns or unicorns with law enforcement duties?

Because I desperately want the second one to be true.

The first would imply that unicorns are largely responsible for gun-related homicides. I been saying that all along.
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#37 Mar 02 2013 at 4:23 PM Rating: Good
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Aripyanfar wrote:
Almost no regular transaction goes through a cheque. We're considering getting rid of them all together.

So, gbaji would starve.

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#38 Mar 02 2013 at 7:14 PM Rating: Excellent
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Man, I can't wait for Japan to finish making those manual labor robots so we never have to pay shelf stockers minimum wage anymore. Then all the people can be making the median at least!
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#39 Mar 03 2013 at 3:47 AM Rating: Good
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trickybeck wrote:
Aripyanfar wrote:
Almost no regular transaction goes through a cheque. We're considering getting rid of them all together.

So, gbaji would starve.

Do people actually pay for groceries with a check? Because that just seems so pointless and overly complicated when you could just pay cash or with a debit card.
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#40 Mar 03 2013 at 4:03 AM Rating: Decent
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His Excellency Aethien wrote:
trickybeck wrote:
Aripyanfar wrote:
Almost no regular transaction goes through a cheque. We're considering getting rid of them all together.

So, gbaji would starve.

Do people actually pay for groceries with a check? Because that just seems so pointless and overly complicated when you could just pay cash or with a debit card.


A lot of older people have been writing checks for so long, anything else would be a ridiculous concept to them. Also, if the money runs out a day or two before pay day, floating a check is often a viable solution if you know the store still processes paper checks.

Edit: Also, my debit card has a fairly low daily purchase limit. If I'm making a big purchase, I usually write a check to avoid incurring that expense toward my daily purchase limit.

Edited, Mar 3rd 2013 4:04am by BrownDuck
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You guys keep tossing facts out there like they mean something.


#41 Mar 03 2013 at 4:14 AM Rating: Good
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Daily purchase limit...? What's the point of that?

The only limit that my account has as far as I'm aware is that I can't pull more than €2500 out of an ATM per day.
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#42 Mar 03 2013 at 6:07 AM Rating: Good
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Most banks limit ATM withdrawals to around 500 USD and swiping as Credit Limits to 1000, but if you need to make a bigger purchase you just call your bank and authorize it, as an extra step in security. You can also go into the bank and ask them to change your limits w/e you want, bank dependent but most around here are like that.

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#43 Mar 03 2013 at 7:28 AM Rating: Good
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His Excellency Aethien wrote:
trickybeck wrote:
Aripyanfar wrote:
Almost no regular transaction goes through a cheque. We're considering getting rid of them all together.

So, gbaji would starve.

Do people actually pay for groceries with a check? Because that just seems so pointless and overly complicated when you could just pay cash or with a debit card.
I only have an ATM card, because at one point in time, I got myself in quite a bit of trouble with a debit card, via overdraft fees. So, I sometimes pay for groceries with a check, since all you have to do is sign it, and the machine prints all the other information on it. Honestly, it's faster than the 50% of people using a card who don't know how to work the little machine.
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#44 Mar 03 2013 at 7:50 AM Rating: Good
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Spoonless wrote:
His Excellency Aethien wrote:
trickybeck wrote:
Aripyanfar wrote:
Almost no regular transaction goes through a cheque. We're considering getting rid of them all together.

So, gbaji would starve.

Do people actually pay for groceries with a check? Because that just seems so pointless and overly complicated when you could just pay cash or with a debit card.
I only have an ATM card, because at one point in time, I got myself in quite a bit of trouble with a debit card, via overdraft fees. So, I sometimes pay for groceries with a check, since all you have to do is sign it, and the machine prints all the other information on it. Honestly, it's faster than the 50% of people using a card who don't know how to work the little machine.


How does using a check save you from the overdraft fees that a debit card would have? Both are linked to the same account and both have the same overdraft fees. And many stores have a bounced check policy that includes fees of their own...

Also, the places I go to that use machines for checks you don't even have to sign the check. You hand them the check, the machine scans/prints on it, they give you the check back (your records, I assume) and you sign on the same pad that the credit/debit card users do. A lot of places locally have set a 25 or 50 dollar min value to require signing when using a card. Under that limit and it's just scan and go. I don't know if the same exists for check signing, but from what I've seen everyone had to sign the pad when using their checks instead of a card.

Edited, Mar 3rd 2013 8:51am by TirithRR
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#45 Mar 03 2013 at 11:49 AM Rating: Good
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Weird, I've never heard of a daily spending limit. I've heard of limitations on how much cash you can withdraw, I think mine is 350. The only time it was ever an issue was when I was in Vegas, and that wasn't necessarily a bad thing. I've made some decent sized purchases on my debit card well over a grand and it never was an issue, and I didn't have to call the bank to do it.

Of course I've been with the same bank so long I don't have a lot of frames of reference.
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#46 Mar 03 2013 at 12:06 PM Rating: Good
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TirithRR wrote:
How does using a check save you from the overdraft fees that a debit card would have? Both are linked to the same account and both have the same overdraft fees. And many stores have a bounced check policy that includes fees of their own...
I got into trouble using my debit card mostly online. Using checks themselves didn't help me out, but not having a debit card did. I still use checks at the market because the system is fast, and since I have direct deposit for my pay, it saves me an ATM trip. I suppose one of these days I'll have them send me a debit card, but I just haven't had any need to do so. Adding the extra step of having to either take money out or bring a check with me helps avoid impulse purchases in general.
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#47 Mar 03 2013 at 10:12 PM Rating: Excellent
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My daily ATM withdrawl limit is 1k. Smiley: laugh

Yeah.
#48 Mar 04 2013 at 7:48 AM Rating: Good
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I got into trouble using my debit card mostly online. Using checks themselves didn't help me out, but not having a debit card did. I still use checks at the market because the system is fast, and since I have direct deposit for my pay, it saves me an ATM trip. I suppose one of these days I'll have them send me a debit card, but I just haven't had any need to do so. Adding the extra step of having to either take money out or bring a check with me helps avoid impulse purchases in general.

I think it's great that the banjo store, the wooden teeth emporium, and the moonshine boutique all still accept your quaint wooden money. Don't you have an issue when you book stagecoach journeys or stay at inns?
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To make a long story short, I don't take any responsibility for anything I post here. It's not news, it's not truth, it's not serious. It's parody. It's satire. It's bitter. It's angsty. Your mother's a *****. You like to jack off dogs. That's right, you heard me. You like to grab that dog by the bone and rub it like a ski pole. Your dad? ***. Your priest? Straight. **** off and let me post. It's not true, it's all in good fun. Now go away.

#49 Mar 04 2013 at 8:37 AM Rating: Good
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Nadenu wrote:
My daily ATM withdrawl limit is 1k.
I've never been in a situation where I need to find out whether or not I have a limit.
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#50 Mar 04 2013 at 8:47 AM Rating: Good
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lolgaxe wrote:
Nadenu wrote:
My daily ATM withdrawl limit is 1k.
I've never been in a situation where I need to find out whether or not I have a limit.

Tight wad?

I only ran into problems with my debit card once when traveling through Canada. I was only allowed $200/cash a day at the time. Apparently traveling the Kings Highway is suspicious activity and the bank shut me right down. Limited cash flow while traveling sucks.
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#51 Mar 04 2013 at 9:08 AM Rating: Excellent
I just use a credit card.
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