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#102 Mar 12 2013 at 8:11 AM Rating: Good
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Pay by the letter.
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#103 Mar 12 2013 at 9:18 AM Rating: Good
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A box of checks for me is $25, and from what I understand that mostly goes to cover the custom printing costs. In that box, I have about 250 checks. If I move, I can re-use the old one by changing the address and initialing next to it.

These days I can also cash a check into my account by taking a picture of it with my phone. We live in the future.
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I can't understand anyone who skips the cutscenes of a Final Fantasy game. That's like going to Texas and not getting barbecue.

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#104 Mar 12 2013 at 1:45 PM Rating: Good
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Uglysasquatch wrote:
Canadian banks are regulated far differently than in the states. They're not allowed to set you up for failure, like giving a sub-prime mortgage, but instead, get to rape your wallet every month, right before your eyes.


amen brother.

Royal Bank of Canada wrote:

For the full-year ended Oct. 31, RBC had $7.5 billion of net earnings.

That's up 17 per cent from 2011... so f#ck you!



Edited, Mar 12th 2013 12:47pm by Olorinus
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#105 Mar 12 2013 at 3:21 PM Rating: Default
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Smasharoo wrote:
Seriously? You pay $12.50 per month per account? Are these like gold plated accounts or something? Do they come with strippers? That's crazy. I pay nothing for my accounts

You should be making money on deposit based banking. "I pay nothing for the interest free loan I provide my bank!" isn't really the goal. I realize that's challenging if you have $50 in a checking account, but most people should be able generate some interest/"cash back" with minimal effort.


To be fair though, interest earned in a normal bank account is rarely going to cover the cost of inflation, so at best its a "not losing as much money in my savings account" kind of thing. Obviously, if you're paying $12.50/month in base fees (before things like check fees, teller fees, ATM fees, etc), whatever interest you're earning is doubly irrelevant. You don't put money in your local bank for the purpose of earning interest. It may be a slight bonus, but the purpose is a means to have cash available to you without having to lug it around in your pocket all the time. If you want to earn money, open an IRA, or get a brokerage account somewhere and actually invest in some way.

I look at commercial/personal banking just as a convenience. If you can avoid paying for it, that's great. If you can earn some slight amount of interest, that's even better.
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#106 Mar 13 2013 at 9:58 AM Rating: Excellent
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To be

I know, right? Thus conscience does make cowards of us all. You're deep, G2.
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