fefesafaea

4 ms·

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by fefesafaea 9y ago
At the scale larger banks are operating at, you could argue that even customers storing a few dollars each represent a significant block of capital in aggregate. It's also clear that banks aren't losing money. What's at issu
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by fefesafaea 9y ago
There are a lot of books on the subject, but the short answer is that it's just the most common standard at this point. Yes there are some things about it that don't make sense, but for whatever reason it seems to be the most coh
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by fefesafaea 9y ago
I can't give a super accurate history of how we got here, but it seems as though it's been a gradual process. Once the banks saw that people at bars, casinos, and high end hotels would pay these 'convenience' fees, they
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by fefesafaea 9y ago
It's important to note that many large banks actively discourage customers from opting out of overdrafts. So much so that they even have scripts they make their tellers recite. For example, if you attempt to opt out, the teller might
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by fefesafaea 9y ago
Hey thanks for the support. While I don't think making sweeping generalizations about HN readers is necessarily constructive, I would definitely agree some of us are working from very different assumptions here. I guess the main thing
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by fefesafaea 9y ago
Alright, start on the page you just linked https://www.walmartmoneycard.com/account/faqs now click on the fees tab https://www.walmartmoneycard.com/account/faqs#fees then click on the 'fee pl
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by fefesafaea 9y ago
Not sure why you are accusing me of intellectual dishonesty, unless the goal is to derail the conversation. You are right to say that a few of the specifics I gave were not correct. I was clearly not arguing that. However, the specifics y
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by fefesafaea 9y ago
https://www.walmartmoneycard.com/account/legal-info-page?pro... As I said, there are a variety of cards on offer, from a variety of sources, but they all seem to fall within the same range cost-wise, even if the fees a
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by fefesafaea 9y ago
I couldn't say, but would be interested to find out. As far as CU's are concerned, I'll admit that I'm speaking anecdotally. Obviously each CU is different, and I can't really speak to the specific terms that each
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by fefesafaea 9y ago
I read it. Maybe you should go to a store and actually get one of these cards, then let me know how it works out. Seriously though, these cards, like many "financial products" come with a variety of price points and fee structure
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by fefesafaea 9y ago
Kind of fucked up that the article doesn't mention the fees associated with these cards until like 3/4 of the way into the article. These cards charge 5 bucks a month, plus like 3 dollars to deposit cash, 3 dollars to withdraw cas
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by fefesafaea 9y ago
The real question is how long until someone kickstarts a fyrefest gone right.
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by fefesafaea 9y ago
Found a video of one of their prototype scanners. IIRC they looked at like every scanning solution available and also got a bunch of universities and libraries to help them purchase and operate scanning equipment. Pretty cool stuff. http
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by fefesafaea 9y ago
Damn shame. EEVblog is one of the shining examples of the sort of program that could only come about on a platform like youtube. I've often wondered why netflix or amazon haven't picked it up or made similar programming, and yet
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by fefesafaea 9y ago
I know you guys are joking, but there is a whole class of cell phone that is designed specifically with the prison market in mind. Not too sure on the specs of the higher end models though. http://i.dailymail.co.uk/i/p