Bailout / Stimulus Discussion (Hints Missed & Shartz Fired)

Do it. I got a lotta stories.

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I’ve always hesitated to think of myself as poor even when I was. I grew up in a middle class white hispanic family, my family and rich girlfriend helped pay for my bachelors and when my car broke down after college my parents bought me a used car to help out. I’ve always been MASSIVELY privileged growing up, so the hardships I ran into in my mid twenties has always seemed like more of a setback and less of a life sentence.

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Feel free to xpost your tales from this thread.

Grunching this thread, but we received our $1800. It’s weirdly posted to my bank account between transactions on 12/31/2020 and 1/1/2021, but it’s dated 1/4/2021. And it’s only for 3 of us, apparently not for our new child. Though reading, it sounds like I will get a tax credit for our new child’s portion of both stimulus amounts?

This is correct per my little bro who is married with a 1 year old.

“Were’s (sic) my money” was scrawled on McConnell’s front door in what looks like white spray paint, according to photos from the scene taken by CNN affiliate WDRB.

Early Friday morning, a home in San Francisco belonging to Pelosi was vandalized, according to the San Francisco Police Department.

“Unidentified suspect(s) had painted graffiti on the garage door and left a pig’s head on the sidewalk,” the police department said in a statement obtained by CNN.

This is actually kind of brilliant if your goal is to deepen the rift between Trumpers and E-Repubs. Random acts of vandalism against establishment dems and repubs at the same time. Make the acts so similar that news organizations pretty much have to report them together.

Like vandalize Loeffler, Perdue, Romney, Pelosi, McConnell, Feinstein and Schumer - all at the exact same time in the exact same way. Group them together. But do it soon. Maybe throw in Kemp, the Georgia SoS and Fauci - whomever deplorables hate the most right now.

As a fellow “I have not received my $$$ yet” person, GOOD/BAD news:

  1. Get My Payment is back up and running
  2. Still have to perfectly match the address they have on file AS THEY HAVE IT ON FILE
  3. A single incorrect letter/symbol spits out an error message
  4. I am locked out for another 24 hours
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#bastards

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Pretty much all banks do courtesy refunds like this. But they are usually limited during a time frame.

Some banks were not charging overdrafts for the first several months of Covid but then realized this is costing us all the monies.

There was a time when you could have personal relationships with banks and work with them. This is still possible with credit unions but there are pretty much no more small banks so everything is dictated by customer service policy.

About ten years ago,I had a bank I was doing a massive amount of business with. At some point they changed the way they process incoming items to biggest first. I had a situation where I knew I was going to get an overdraft fee due to timing but it was going to make me a significant amount of money.

Since they changed the order it caused a cascade of charges. I tried to get a resolution to it, and even though they were begging me for more business and services I couldn’t get any satusfaction. I just walked away. They got to eat the fees anyways because I pulled everything out,

40 plus years ago small banks were the norm. Slowly they were merged, consolidated and gobbled up. This has gone unabated for 40 plus years and no small banks exist in most places in the US. There are no relationships with consumer facing public banks.

But if you want service I recommend a high falutinv private bank.

There are credit unions everywhere. They provide all the same services of a bank with like maybe half the annoyance. Most of them want your business so badly they don’t even pretend to care if you meet their membership requirements, which is often something super dumb like “lives in this county” or “attended a major state university”. If you did military service there are multiple highly rated options available.

No stimulus yet but I was checking some different accounts and found one of the awesome fuck you fees I forgot about. Have a money market savings account with one of the Evil Mega Banks and forgot that dipping under $5k triggers a $12/mo “maintenance” fee. I simply have some cash parked there and don’t normally touch it, but it looks I mistakenly transferred out of it in 2020 knocking it to $4800. Since I caught it late, they’ve recouped all of the interest ever paid to that account and more which seems like the point.

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I would be immediately withdrawing that money and sending stern letter.

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Thank you for posting this. My info didn’t qualify for USPS tracking.

By going to the payment website I was able to see that my check should be mailed on Jan 6th.

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After nearly a month, I FINALLY got through to the IRS confirmation line. Like, I get that its for my own protection, but holy shit, no scammer is going to file a return for me in which they OWE taxes.

JFC

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A similar thing actually happened to me in the last couple years with a…CREDIT UNION. We went with the credit union for my wife’s car loan and were required to open a savings account. That was fine, I didn’t care, and the credit union even put $5 in it for me. Ok, nice. Since it was just a nothing account, I didn’t pay attention to it.

Well, turned out they started hitting me with $2 charges per month for a printed statement fee. After three months, my balance obviously went below zero, so I got hit with a $33 insufficient funds charge. I put $100+ in it and have been getting 3 cents per month. What’s weird is I don’t even think I can withdraw that free $5, like some sort of online casino bonus. My balance is $101.57, but “available balance” is $96.57.

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I got a mortgage from a credit union and they similarly made me put $5 in an account. Not only was their rate better than the huge banks, they were way way way way wayyyyyy easier to deal with on the front end, and they don’t sell your loan and servicing rights 17 times during the loan term like seemingly every bank originator.

The $5 thing is because when you join a credit union you become a partial owner of it and that’s your share.

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Just spitballing. Assume this is a dumb idea.

Want your $2,000? Get your damn shots.

Cash on the barrel head.

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That locks it up for way too long