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Old 11-05-2011, 02:51 PM   #11 (permalink)
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Hey Hobo, you can circumvent that $10 charge by making a transfer from a checking to savings acct. as well. However, you cannot circumvent the $3 monthly fee that they have decided to instate on your debit card. All it takes is one transaction in the month with your debit card, and BOOM!, $3 fee for the month. If I thought for one second that the local credit union would actually let me have a bank acct., I'd be there depositing my money. Unfortunately, when I was young and financially dumb, I ruined my chances of getting just about any bank acct. Wells Fargo was the only one that said yes to me. And now I have to pay a fee after having them for the last year with no fee.
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Old 11-05-2011, 03:00 PM   #12 (permalink)
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I have waived the account fee by doing the checking to savings monthly transfer since I opened the account - but they've now changed it so that that doesn't work anymore. I basically just got an email last month that said "Gee-Wiz, we're real sorry but that won't work anymore, too bad for you. Why don't you take out a $25,000 personal loan and get raped with interest so you can waive our new fee!"

I might be able to waive it if I set up an automatic monthly payment to my credit card account with them, but I don't know if that counts. I just find it ironic that in the face of people getting pissed about corporate america, corporate america is still blatantly trying to find new ways to increase already record level profits. The problem with a market theory of always-increasing GDP/Profit/Growth is that it has to eventually hit a ceiling. Economies cannot exponentially continue to grow forever when the world around them is based on limitations and scarcity. One things for sure, we will be hitting a major scarcity point within the next 10 years that will shake current economic beliefs/practices.
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Old 11-05-2011, 03:16 PM   #13 (permalink)
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Hmmmm......I better go re-read my e-mail as well. I thought the $10 fee could still be waived, but not the $3 fee for the debit card.
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Old 11-05-2011, 04:56 PM   #14 (permalink)
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slyder, the reason that 35% pay no income tax is because they make so little income. I have no problem with that. The same argument goes, the top 5% pay 60% of the income tax! Well, that is because they make 60% of the income.
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Old 11-05-2011, 05:25 PM   #15 (permalink)
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Quote:
Originally Posted by NWBoarder28 View Post
Hmmmm......I better go re-read my e-mail as well. I thought the $10 fee could still be waived, but not the $3 fee for the debit card.
If you check your statements online, the disclaimer (if it's there) should be on your last statement. Here's directly from my statement.

Quote:
IMPORTANT ACCOUNT INFORMATION
We want to keep you informed of upcoming changes to your Custom Management Checking account. Effective November 14, 2011,
the options to waive your monthly service fee with a complete package will change to the following:
- A qualifying direct deposit of $500 or more, OR
- $1,500 minimum daily balance, OR
- A monthly automatic loan payment from this account to a Wells Fargo home equity/personal loan or line of credit, or Wells Fargo
Home Mortgage loan
Otherwise $10 (if you have online statements for this account you will receive a $2 discount on the monthly service fee)
Please review the new criteria carefully, as the automatic transfer waiver option is no longer available and it may be necessary for you
to take action to meet the new requirements in order to waive the monthly service fee. For questions, please contact your local banker
or call the phone number listed at the top of your statement.
Edit: I just found this article pertaining to the changes, according to the article it's only effective for CA and NV accounts, but it was written in September so that could have changed. The weird thing is I don't live in CA, but I opened the account in CA so I get charged? Pretty fucking lame. I think I'm gonna go into a branch and bitch.

http://www.bizjournals.com/sanfranci...-accounts.html
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Old 11-05-2011, 06:11 PM   #16 (permalink)
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Your vote literally does not matter. Electoral college. It doesn't matter who you vote for anyway. Once they are elected the two parties just argue and nothing gets done or one party controls everything and it becomes a complete disaster. How do you know who you're even voting for. For all you know know politics could be just one big hoax, or it could all be 100% honest and truthful. I really don't think anyone can say anything about politics unless they have been a governor of a major city or higher. It's like war, learn and be prepared all you want, but until you get there you'll never know.
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Old 11-05-2011, 06:54 PM   #17 (permalink)
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Hobo, that may be the difference. I opened mine in WA and I do not have the same note that you do. Going into the branch may be your best option to try and get it so that you do not have to pay the fee.
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Old 11-05-2011, 07:04 PM   #18 (permalink)
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Originally Posted by Extremo View Post
Number 1:

Over 3 years 280 of the Fortune 500 corporations paid less than half their 35% tax rate. 40 years ago the tax rate was 52% so you'd think they'd be happy to pay the bargain basement rate. 30 of them didn't pay any taxes at all. And republicans want to give them more tax cuts? It's no wonder why we have the income inequality of some third world countries.

30 Major Corporations Paid No Income Taxes In The Last Three Years, While Making $160 Billion | ThinkProgress

As if voting Democrat is a fine fucking solution as well. When are people on here going to learn it doesn't matter Republican or Democrat; they're all fucking crooks and thinking one party or the other is going to make a difference for the average joe is just plain ignorant. Politicians are fags controlled by greed and big corporations that stroke them checks. Lets go back to 4 year terms for all politicians...no more of this career politician shit...


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Old 11-05-2011, 08:02 PM   #19 (permalink)
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As if voting Democrat is a fine fucking solution as well. When are people on here going to learn it doesn't matter Republican or Democrat; they're all fucking crooks and thinking one party or the other is going to make a difference for the average joe is just plain ignorant. Politicians are fags controlled by greed and big corporations that stroke them checks. Lets go back to 4 year terms for all politicians...no more of this career politician shit...


Krug
TBH I think most of us have come to the realization that most in upper tier politics, Republican or Democrat are corporate cronies. It's just perhaps that the Republican party has been a lot more obvious in their dealings and in revealing their true intentions. Right now people will pick Democrat because it might be the lesser of the two evils, but ultimately we all know they are still evils and we want something better.
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Old 11-05-2011, 08:24 PM   #20 (permalink)
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the fact that some corporations had a net tax bill of $0 is basically meaningless because whatever tax burden is imposed on corporations is ultimately a burden borne by individuals in one of several ways.

1. Stakeholders, in the form of smaller ROI from dividends, etc.
2. Employees, in the form of reduced wages, benefits or working conditions
3. Customers, in the form of higher prices, lower quality/quantity.

Most of us fall in to camp 2. All of us fall in to camp 3. And unless you have no retirement savings whatsoever, you're also in category #1 since institutional investors (i.e., your 401k, pension, annuity, etc.) are the largest owners of common stock.

The real problem is: If you raise the tax burden on corporations, who will most likely bear that cost?

Everyone always thinks that "someone else" will foot the bill. But you don't have to look very hard to see that most of the time that "someone else" is going to include you.
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