Cash not good anymore .. Deposit Only …

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friendfromlowry

Senior Member

6,239 posts
Jan 14, 2014 2:23 PM
Belly35;1567094 wrote:Note: If I get a statement I'm interested in the statment not the junk within. So yes I would not take the time to read the other secondary 4 fliers within the statement. If it so important why cluster fuck the information.
With my bank (and I doubt they're unique about this), if they have a policy change or something important to share, they will do it separately from statements, and perhaps more than once. If you couldn't distinguish letters from your bank from holiday junk mail, then you have no business bitching or bragging about how accomplished you are.
Jan 14, 2014 2:23pm
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sportchampps

Senior Member

7,361 posts
Jan 14, 2014 2:24 PM
If he's on her account and he dies the money is subject to an estate tax which is what he is trying to avoid. Belly is actually being smart by having the separate accounts and protecting his wife and himself if something unfortunate happened to either.
Jan 14, 2014 2:24pm
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sportchampps

Senior Member

7,361 posts
Jan 14, 2014 2:28 PM
All states have different estate tax rules though. Most allow joint bank accounts to be passed freely to the surviving widower without an estate tax. I don't deal with this so I haven't really looked into the Ohio laws.
Jan 14, 2014 2:28pm
TedSheckler's avatar

TedSheckler

Emporium Entrepreneur

3,974 posts
Jan 14, 2014 2:29 PM
sportchampps;1567142 wrote:If he's on her account and he dies the money is subject to an estate tax which is what he is trying to avoid. Belly is actually being smart by having the separate accounts and protecting his wife and himself if something unfortunate happened to either.
And God forbid he stop being a fucking crybaby about it and just use an ATM to make a deposit and avoid this whole 103 post clusterfuck of a thread..
Jan 14, 2014 2:29pm
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Belly35

Elderly Intellectual

9,716 posts
Jan 14, 2014 2:50 PM
sportchampps;1567144 wrote:All states have different estate tax rules though. Most allow joint bank accounts to be passed freely to the surviving widower without an estate tax. I don't deal with this so I haven't really looked into the Ohio laws.


Joint account in ohio is $500,000 after that estate tax of 6% (I think) is applied.
The bigger problem is in the case of something that happens and nursing care/home is required ... Spending Down is now the drain on joint accounts.
Jan 14, 2014 2:50pm
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thavoice

Senior Member

14,376 posts
Jan 14, 2014 3:07 PM
sportchampps;1567142 wrote:If he's on her account and he dies the money is subject to an estate tax which is what he is trying to avoid. Belly is actually being smart by having the separate accounts and protecting his wife and himself if something unfortunate happened to either.
According to Andy Dufresne you can give a one time gift, up to $60k, to a spouse and the government cannot touch it for taxes. That was al ong time ago so maybe it is more now....

that is the extent of my help.

You are welcome
Jan 14, 2014 3:07pm
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TedSheckler

Emporium Entrepreneur

3,974 posts
Jan 14, 2014 3:42 PM
thavoice;1567160 wrote:According to Andy Dufresne you can give a one time gift, up to $60k, to a spouse and the government cannot touch it for taxes. That was al ong time ago so maybe it is more now....

that is the extent of my help.

You are welcome
I guess I owe you some suds.
Jan 14, 2014 3:42pm
Belly35's avatar

Belly35

Elderly Intellectual

9,716 posts
Jan 14, 2014 3:47 PM
sportchampps;1567142 wrote:If he's on her account and he dies the money is subject to an estate tax which is what he is trying to avoid. Belly is actually being smart by having the separate accounts and protecting his wife and himself if something unfortunate happened to either.
Silences my critics and I'm the stupid one.. Mofo
Jan 14, 2014 3:47pm
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thavoice

Senior Member

14,376 posts
Jan 14, 2014 3:53 PM
TedSheckler;1567165 wrote:I guess I owe you some suds.
Just three beers for each of my coworkers will suffice.
Jan 14, 2014 3:53pm
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TedSheckler

Emporium Entrepreneur

3,974 posts
Jan 14, 2014 3:59 PM
thavoice;1567170 wrote:Just three beers for each of my coworkers will suffice.
What are you going to do? Hunker in the shade with a smile on your face?
Jan 14, 2014 3:59pm
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thavoice

Senior Member

14,376 posts
Jan 14, 2014 4:09 PM
TedSheckler;1567172 wrote:What are you going to do? Hunker in the shade with a smile on your face?
Yeah. SOme think I did it to curry favor of the guards, but I really did it just to feel
normal again.
Jan 14, 2014 4:09pm
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TedSheckler

Emporium Entrepreneur

3,974 posts
Jan 14, 2014 4:11 PM
thavoice;1567175 wrote:Yeah. SOme think I did it to curry favor of the guards, but I really did it just to feel
normal again.
I know the feeling. Almost the same feeling as you're tarring the roof on your own house.
Jan 14, 2014 4:11pm
DeyDurkie5's avatar

DeyDurkie5

Senior Member

11,324 posts
Jan 14, 2014 6:21 PM
Belly35;1567040 wrote:If they sent a notice in the mail I missed it during the junk mail Christmas. Wow! perfect timing to inform customers ... like I have nothing better to do during the holiday than to read junk mail.
So an envelope from your bank is something that you slip over? Like I said you sound like the Obama lovers. Never your fault
Jan 14, 2014 6:21pm
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Belly35

Elderly Intellectual

9,716 posts
Jan 15, 2014 9:33 AM
DeyDurkie5;1567220 wrote:So an envelope from your bank is something that you slip over? Like I said you sound like the Obama lovers. Never your fault


Many of you are for online banking, atm transfer I have those option I just refuse to use them nor do I what all of our accounts to be joint accounts.
If many of you are so computer banking, ATM and you can bring up your account online ( which I do for all our accounts) wtf do I need a postal mail statment to begin with. If the bank is so intent to inform their customers. Why was this information not posted on my online banking account when I opened it up to check the balances?

And that is another reason why I"m not interested in mail bank statement junk fliers, I already know my balance, check written, deposit made, and with drawns ... many of the accounts are checked daily or weekly ... online...
Jan 15, 2014 9:33am
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Glory Days

Senior Member

7,809 posts
Jan 15, 2014 7:42 PM
Belly35;1567427 wrote:Many of you are for online banking, atm transfer I have those option I just refuse to use them nor do I what all of our accounts to be joint accounts.
If many of you are so computer banking, ATM and you can bring up your account online ( which I do for all our accounts) wtf do I need a postal mail statment to begin with. If the bank is so intent to inform their customers. Why was this information not posted on my online banking account when I opened it up to check the balances?

And that is another reason why I"m not interested in mail bank statement junk fliers, I already know my balance, check written, deposit made, and with drawns ... many of the accounts are checked daily or weekly ... online...
You don't need postal statements. My one bank actually charges for that, so I get them online. Also my banks have a notification system built in for messages from the bank, like changes in policies. They also send me emails to the email accounts I registered with the online account.
Jan 15, 2014 7:42pm
-Society-'s avatar

-Society-

Senior Member

1,348 posts
Jan 15, 2014 8:30 PM
Belly35;1567427 wrote:Many of you are for online banking, atm transfer I have those option I just refuse to use them nor do I what all of our accounts to be joint accounts.
If many of you are so computer banking, ATM and you can bring up your account online ( which I do for all our accounts) wtf do I need a postal mail statment to begin with. If the bank is so intent to inform their customers. Why was this information not posted on my online banking account when I opened it up to check the balances?

And that is another reason why I"m not interested in mail bank statement junk fliers, I already know my balance, check written, deposit made, and with drawns ... many of the accounts are checked daily or weekly ... online...
Then sign up for online statements! It usually takes 3-4 clicks of your fucking mouse. WTF?!
Jan 15, 2014 8:30pm
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DeyDurkie5

Senior Member

11,324 posts
Jan 15, 2014 8:34 PM
-Society-;1567649 wrote:Then sign up for online statements! It usually takes 3-4 clicks of your fucking mouse. WTF?!
We have come to the conclusion that belly is a Fucking moron. So don't pay any attention to him
Jan 15, 2014 8:34pm
Raw Dawgin' it's avatar

Raw Dawgin' it

Just Ain't Care

11,466 posts
Jan 16, 2014 9:27 AM
Belly35;1567427 wrote:Many of you are for online banking, atm transfer I have those option I just refuse to use them nor do I what all of our accounts to be joint accounts.
If many of you are so computer banking, ATM and you can bring up your account online ( which I do for all our accounts) wtf do I need a postal mail statment to begin with. If the bank is so intent to inform their customers. Why was this information not posted on my online banking account when I opened it up to check the balances?

And that is another reason why I"m not interested in mail bank statement junk fliers, I already know my balance, check written, deposit made, and with drawns ... many of the accounts are checked daily or weekly ... online...

Jan 16, 2014 9:27am
Belly35's avatar

Belly35

Elderly Intellectual

9,716 posts
Jan 16, 2014 9:53 AM
All of my accounts I can and do online account statments and I was this all the time and for my business account I do inter nation banking transfer all the time.
Now that this sight has informed me that my mail statement may be costing me fees ... I will be stopping all mail communication. hope this helps

Break down: I don't want to have my signature or my wife signature on all of our accounts (joint account) Thats just poor money management and security risk.
Jan 16, 2014 9:53am
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Glory Days

Senior Member

7,809 posts
Jan 16, 2014 11:52 PM
Belly's idea of online banking......

Jan 16, 2014 11:52pm
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said_aouita

Banned

8,532 posts
Jan 17, 2014 3:48 AM
At first Belly said-
Belly35;1567427 wrote:Many of you are for online banking, atm transfer I have those option I just refuse to use them nor do I what all of our accounts to be joint accounts.

Then he said-
Belly35;1567427 wrote:And that is another reason why I"m not interested in mail bank statement junk fliers, I already know my balance, check written, deposit made, and with drawns ... many of the accounts are checked daily or weekly ... online...
Jan 17, 2014 3:48am
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rmolin73

Senior Member

4,278 posts
Jan 17, 2014 4:46 AM
Wait Belly is being a hypocrite? Impossible!!!!
Jan 17, 2014 4:46am
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Raw Dawgin' it

Just Ain't Care

11,466 posts
Jan 17, 2014 7:10 AM
rmolin73;1568163 wrote:Wait Belly is being a hypocrite? Impossible!!!!
His wife probably keeps him off her accounts for her security. If my spouse were this dumb I'd get her name off my money too.
Jan 17, 2014 7:10am