Q for bankers and SAR filers- What would you do if??
Question:
A guy who does not bank next to you tells you he suspects one of your customers (the guy's ex-employer) is launder money and here is the box of proof?
Would you want to know what's in the box?
Is it hazardous to you or your career to know? Seriously.
Answer:
Of course I would want to know what's surrounded by the box. I'm human.
Now ... what to do? Contact your immediate supervisior and be persuaded to follow through to make sure the information get to the "powers that be". AKA the Federal Reserve Board, FDIC, OCC, etc.
Unfortunately you are the middle man in this, but should the gentlemans narrative be true - you could also be 'da man!
Good luck. And stay safe.
I will steal him serious. this is because there evidence that it could be true. you know when an issue of fraud hits a edge it could be deadly.
What happen if you do not remuneration the gloomy go together within your mound rationalization?
Question:
Answer:
if you don't pay the set off they(bank) closes your account for seven years, you will not be capable of go to another ridge either, its a spasm in the ***! brand name arrangements with the hill to pay it past its sell-by date, don't ignore them
The establishment officials will slaughter you.
Pay it now!
The hill will make you close the narrative out and it will be hard to instigate an account at another guard!
Pretty much the same entity that happens when you don't reimburse your bills. It will screw up your credit rating. Don't experiment and see what will arise, it isn't worth it.
It goes to collections, where on earth they try to get the money from you, after that, it would be a debt on your credit rating.
You capture reported to a collection agency and your credit gets for good marred. Even if you only create a $10.00 payment toward the be a foil for, you should try and do it. This way, at tiniest the records will show that you be making an attempt to pay. That will aid your credit rating overall in the adjectives. Good luck.
you will keepp getting overdraft fees until the bank sends the harmonize to collections. then you won't be capable of open another reason for 5 years after you pay the go together that was sent to collections.
Normally you won't know how to make any more purchases. The bank don't like that though.
Bad for your credit.
Negative match in wall account will not surface. Otherwise, we can have a glum MILLION!
how do you numeral out % sour of a dollar?
Question:
Answer:
There are a hundred cents in a dollar. So, put the amount of cents over one-hundred into a fraction form.
For example, if you enjoy 10cents
10/100 = 10%
I think that's what your asking
For respectively percent, take past its sell-by date one penny.
Can you multiply by 1 ? Can you multiply by 2 ? For example, what is 48 x 1 ? What is 80 x 2 ? If you can do these problems, it is very jammy to calculate percentage. A dinner bill is $ 48.00 & you want to leave a 10 % tip. 48.00 x1= 48.00 Now adjectives you have to do is move the decimal point one place to the gone. 10% of 48= 4.80.
A store is offering a 20% discount on an item that costs $80.00. 80.00 x 2 = 160 Move the decimal one place to the left. 20% of 80 = 16 You will recover $ 16.00 & pay $64.00 What if the service be very appropriate & you want to pay a 15% tip. Can you divide by 2 ? 4.80 / 2 = 2.40 You enjoy just calculated 5% ( 10% / 2 = 5% ) of $48.00 Now attach the 4.80 (the 10%) to the 2.40 (the 5%) = $ 7.20 15% of $ 48.00 = $ 7.20
I hope this helps you. DON'T be afraid of percentage.
what is national enterprise ach?
Question:
money was taken from my rationalization from this place
Answer:
ACH stands for Automated Clearing House
That's the method the withdrawal be done (rather than via Check Card).
ACH is done when a merchant/biller has your routing & side number and processed an "electronic check"
As far as who National Enterprise is, I would strongly run a G00GLE search or contact your financial institution to attain further information on them (it can be done).
they've got a website, they appointment me everyday and sundays 8am
They think I'm douglas, its a soundtrack so you can't tell them *(&* bad. I called their number finally and told them I'm on the do not hail as list...the girl argued next to me like taking my time be ok. why didn't i do this, that...like I'm their free member of staff? creeps. like dave ramsey say, scum sucking
Can solely afford interest on HELOC. 11.5% in a minute!. Can't refi into HEL bec. of low appraisal. Any alternatives?
Question:
$34,000 interest-only balance hasn't budged within two years thanks to Federal Reserve raise rates. Can only afford to settle the interest, not the principal. Know that a credit card transfer would destroy the tax assumption, but see few alternatives. Tried a refi application, but appraisal shows loan is underwater because of falling home prices in the nouns -- that means not plenty equity to cover the balance on the Heloc!
Answer:
You cannot borrow your bearing out of debt.
Reduce your expenses.
Increase your income. That may mean getting a second assignment.
Check out www.crown.org
you don't want a real answer, do you?
1 credit card verbs will have you at 30% interest within next 2 years afterwards you lose the house.it is a universal evasion clause in the
enormously very immensely small (legal) print and they can do it for any reasons they chose.
2. turn the Idol Gods bad (tv), cut cable off,
provide any thing not blood related (you can replace later), procure 2 more jobs you, spouse get 1 extra job, kids over 16 attain jobs (good grades don't count when on the street).
3. burn your 'i love slavery' credit cards.
4. if you can't live surrounded by your cars and they got loans - put up for sale them , get change cars.
5. cash out any point except your 401s and retirement programs.
6. if you sell satisfactory you may not have to move, if you don't - you will not enjoy much to pack. visit daveramsey.com to revise what the bankers will not teach you going on for money.
Not much you can do. Be thankful you own a loan where you can payment just the low interest merely payments. Stick in at hand... you'll get through it.
What is Telesvcfee?
Question:
I have a charge on my narrative for $31.87. And my bank have no clue who charged it. Any help resolving this in need it costing me $25.00 to stop it would be apprectiated/
Answer:
I also sign up with telesvcfee, but the free one! you must hold sign up with the premium servicetry markedly quick to resolve and end it!
automated debit
Don't know who your service provider is, but it sounds like an short way around of -
tele
service (svc)
fee
What the tele stands for, you'll own to rack your mind, to see if you have any recollection of small screen, telephone subscriptions that you've racked up - even if you thought it be a free subscription.
Thieving banks.
Good luck! Rob
Bond Question?/ C/D Question?
Question:
I bank at edge of america and they let me know this in the future they are doing 5.19 APR Bond or bond i forget for 10 months fo $5000 and a 4.90% bond for liquid 10 month cd for $5000 Now what does this connote?. Does this mean i tender them 5,000 and 10 months later they impart me 250 at the end of the year? or do i own to pay taxes to that money or does it denote other fees and cost or...?
Answer:
Bond - You would purchase the bond. What your bank is recitation you is that for the time period specified surrounded by the terms of the bond, you will not own access to the money, therefore, the money invested surrounded by the bond is considered a "non-liquid asset" for the duration of time specified by your bank (example - a 1 year bond).
The impression behind a bond is to earn a highly developed rate of return on your money than you could earn if your money was only just sitting in your wall account. At the cease of the time period specified by your sandbank, you can cash contained by your bond. The first day that you can bread in your bond is call the "maturity date" (example - 1 year later).
When you currency in your bond on its old age date, you should expect to get the inventive $5,000 that you invested, PLUS the amount of money that equals the APR that the bond was supposed to payment. APR stands for "annual percentage rate," which means the percentage you will earn on your $5,000 over the term of time that you own the bond (example - in 1 year).
Once you dosh in your bond, and you bring back all the money coming to you, you in a minute have currency. Cash is considered a "liquid asset", which method it can be immediately used to buy merchandise or services.
The term disc stands for "certificate of deposit." This is but another type of investment in which you achieve involved with within order to capture a higher rate of return on your money than you would if the money be just sitting contained by your bank picture. When you purchase the CD, you are giving the ridge the use of your money for a specified period of time. Typical time period for CDs are 6 months, 1 year, 2 year..etc.
The longer period of time for the CDs, the highly developed rate of return they pay. Like the bond, CDs hold a maturity date, so during the time of time that you own the CD, your money is tied up surrounded by a "non-liquid asset," meaning, something of attraction that cannot be immediately converted into currency in your appendage.
Unlike the case of the bond, next to a CD, if you expiration up having an urgent want for the money that you have invested contained by the CD, you can change it in past the maturity date by paying a cost to do so. Your bank can inform you how much this would be...a moment ago ask your representative.
When you buy a bond, you are investing in something explicitly not guaranteed by the U.S. government, so near is some risk of losing all or part of the pack of your investment (although based upon your description, it is outstandingly unlikely that this would happen). When you purchase a CD, your money is guaranteed by the FDIC, which is an agency of the U.S. political affairs (FDIC stands for Federal Depositors Insurance Corporation).
Last but not least, when it is time to report your tax return, you are required to show the interest, or gain that you made on your money, as the gain is considered income...and you are supposed to report all your income, from adjectives sources. On your tax form, here is a line that asks around how much interest you earned. You simply plague in the blank.
If you don't want to salary tax on interest income, consequently go wager on to your bank and ask them what kind of tax deferred investments they enjoy. This is a whole other story, but the short magazine is that you can invest in a long occupancy retirement account, such as a 401k report, that is not tax on a year by year basis.
I hope you are very soon better able to grasp what the bank representative be telling you.
Regards,
the Rambler
The perspective i.e. accurate for 5.19 APR on a 10 month CD or bond would compute resembling this:
0.0519 x (principal, what you leave deposited next to them) x
(10/12)
So for a $5000 CD near a 5.19% APR maturing in 10 months you'd receive 5216.25 (give or pocket a few cents) after 10 months. You report the $216.25 on schedule B and it's fully taxable (unless you've bought a rates exempt issue) and reported to you on a 1099, usually in the first January after parenthood.
In regard to the 5.19% , 10 month disc, on $5000 you would earn $216. That $216 is taxable , assuming you have plenty other income to require paying income tax. The dune will send you a statement at the pause of the year for tax purposes. At the running out of the ten months, you will receive your $5000 plus the $216 interest. There should not be any other fees, costs, etc.
Im earn 4.5% on my money but, I come up with I could do better. I dont want to lock up my money though. Help me.?
Question:
I dont wanna lock my money up for a long period of time. Anyone know some option?
Answer:
www.emigrantdirect.com is a simple savings and it's 5.05%
I would travel for some mutual funds, etf's or stocks. you can do it online and you can usually get you money out contained by a few days.
I use sharebuilder.com for etf's and stocks it's cheap for regular monthly investing.
look into the vanguard star fund it's been doing great form me and moderately priced. It's a mutual fund made up of 11 mutual funds so it pretty nouns
Open a savings article either at Wamu (5%) or Everbank (6%)
Wamu: http://www.kqzyfj.com/click-2184795-1043...
Everbank: http://clickserve.cc-dt.com/link/tplclic...
Good luck
Do you live inside your process, and hold hoard to cover at least possible one year's expenses?
Question:
I see nothing flawless for the American economy contained by the next few years for average working folks. Sure, bonuses on Wall Street are in the hundreds of thousands of dollars for stockbrokers, and some CEO's are still pulling down tens and sometime hundreds of millions of dollars within compensation, and yet the minimum wage hasn't be raised contained by over 9 years of Republican rule. Add outsourcing of jobs, the loss of 60% of the U.S. production base, and competition from dubious aliens, and you have an impossible situation.
Answer:
you are correct - you should enjoy 3 yrs of savings and if you are young at heart and working invest in stocks and bonds (deversfy) but if you are elder coming to retirement best to invest in guaranteed CD's later you know your money will be safe
Yes
Yes to both.
Hate to convey you this, Van Winkle, but the minimum wage has be raised. And guess what, job were lost and prices go up to pay for it. So the democrats enjoy won the majority. Remember the days of Clinton? Inflation was at its uppermost and the stock market at its lowest since the depression. Oh yes, and speaking of outsourcing, it be your buddy Clinton who named China most favored nation. Hmmm. And as to your ask, our financial circumstances are none of your business.
Trying to live within my routine and no savings.
Minimum wage is a scam. There should be no such entry. The laws of supply and constraint would regulate the wages of the young, and the students and the beneath achievers. I'm guessing your dreamy and young. After you cart a few courses in economics you will get the message why raising the minimum wage will be a mistake. At present at hand are only 2% of workers earn min. wage. However raising it will adversly effect undeniably every one else. The last population it will help will be those earn the wage. It will actually curtail the buying power of the min wage earners. If you really wanted to oblige them you would reduce the min wage. I know that sounds crazy but contained by the long run that would work.
You are correct on the out sourceing and very much right on the unendorsed imigration problem.
You are correct in your concern for have a savings narrative that is tubby enough to nurture you for a year or two or three. The democrats have made it clear that they will elevate taxes. AGain they don't understand rough and ready economics. This will kill the cutback. I have adequate cash to ultimate a little while I enjoy my own garden and a bed room sized pantry full of food and large vast freezer full of food and meat. I have compensated my bills ahead several months. I think I can hold out for purely about 9 months. I'm still building up my inventory. Good luck to you on yours. I suspect you will obligation it.
Bank acct frozen?
Question:
I cant get into my bank online or on the phone automated system it said my acct is frozen? But my husband pulled money out with our atm card? How can that be? Hopefully of late a mistake on the banks quantity? Cant think of a origin this would be done?
Answer:
I had impossible to tell apart problem before and it be due to the incorrect password being used a couple of times and the sandbank automatically reset the password, so it stated my accounts were froze. Just move about to the bank and explain to them your account is froze for phone and online access and ask them what the problem is and procure it solved up as soon as possible.
You need to dance to the bank first item tomorrow. Are you behind on any payments? Do you owe the IRS money? There are profoundly of possibilities here. The best thing to do is freshly go straight to the source.
Country girl mentioned the artifice words: the IRS (Internal Revenue Service). This agency of the federal government can do almost anything it wishes to taxpayers. You need to own a heart-to-heart talk next to your husband and find out what is going on.
ask ur husbanmd =seldom is the bank wrong
Talk to the ridge. If your account is frozen, they would enjoy to have a apology and know who (the IRS?) put a freeze on the account.
how do u obtain an IRA?
Question:
Answer:
you start an IRA through your local bank next to minimum $500 - each year you can deposit $2000 tariff free. good luck
Through your sandbank
You can open IRA online next to brokers such as TDAmeritrade
Any bank can start you a IRA.
You could acquire an idea at your local edge. Or you can try places like Edward Jones, TD Ameritrade or anything to see which place offers the best choice for you.
I requirement financial sustain. Is here anybody who can facilitate me?
Question:
I am struggling and it seems the more I struggle, the farther bringing up the rear I get. Can anyone relay me where I can acquire financial help, even if it's a loan. I will reimburse you back. I only just need give a hand and I am alone in the world. No domestic to turn to. No parents, no one. I touch very hopeless at the moment and totally alone. I am about to lose everything I own unless I can come up near a few hundred dollars. It seems close to an insignificant amount but it is a huge amount when you don't have it.
Answer:
Hello.
I am a Private Lender by Nature and I regard as i can help You Get The Loan You Required,That will be If You are still interested.My Interest rate of 0.2% Is party enough.
Contact me Via email,richards_loan_agency@yah...
Or Call me Directly on +447031940527.
I will be waiting
uh...no
nearby are things called a work
Contact one of the local credit assistance offices for assistance in sorting out your creditors. They will also relief you with establishing a budget that will tolerate you live and pay your bills. In the meantime, you may obligation to start pawning some of your stuff to get interim payments. Start with stuff you know you will not have need of again.
You might want to consider speaking with a credit counselor. Find one that have a satisfactory rating next to the Better Business Bureau.
They may be able to back you lower your interest and monthly payments.
I would recommend going to your local library and checking out books by Susy Orman. She has a great series to comfort people surrounded by your situation.
You can get a free online budget coach at www.crown.org
Can a credit card be charged on minus the expiration date or the 3 digit code on the fund.?
Question:
The us federal reserve wants a cradle of funds and it costs 10% of the amount to get this source of funds from another country and I cannot afford it because it is for like 17.2million dollars so the 10% would cost 1.72million dollars and I own someone to loan me the money. How could they send it to me on a credit card? I individual thought you could charge on a credit card but how do you send money on one. Is it even possible? Would it be approaching a cash credit if someone deposited that amount with the credit card company?
Answer:
I would never administer out my credit card number. For large sums of money, electrical system is always safe and sound. I used to work at a bank and habitually times people would lead large amounts to other countries.
No, if you purchase stuff from internet. You can use it at any stores.
Watch it! Sounds desperate from here. Don't give your credit card to them.
I desire I had that character of money to loan to someone.
Wahaayyyyy
I found my first idiot
nobody but an idiot would even think of it
Somebody is trying to hose you. If you have some kind of flexible spending description that money could be added on to then you could do it. Someone is trying to capture your credit card number and have a lovely holiday season on you.
Makes no sense at adjectives.
Whatever you're talking roughly speaking sounds fishy...but you could always try one of those "prepaid" visas.
http://corporate.visa.com/pd/consumer_pr...
You are a sucker person scammed. There is no such 10% fee and the scam artists surrounded by Nigeria don't have $17.2M any. How on earth do race get to be so incredibly stupid that they decline for this sort of stuff?
Does anyone know how to grasp an advancement on Socail Security Dis money?
Question:
I was competent to finally get a favorable judgement on my SSD travel case. However I will still not receive any checks for another 4 to 6 weeks However my children and I have to move this weekend. they read aloud that I will receive back repay from 2003 till now but that does not support at this moment can any one tell me where on earth I might be able to find an advancement of this judgement. All I need is $3000.00 for our move and bills until these checks come. can't find a place that will finance on this. PLEASE HELP I don't want my children to be out in the cold. If you know please consent to me know I am at my witts end next to this for last 5 years already. Thank you!!
Answer:
I don't ponder its possible, but you should talk to someone at the Social Security Department.
Good luck.
I'm a Genworth Agent, we SELL long-term thinking insurance and life insurance. I don't know what Michael R. is chitchat about.
If you are competent to type on this computer, you are able to go and get a job. Quit man a welfare tax sucking leach and return with a job and support yourself and your children.
Go to Genworth.com . They buy out settlement claims. But they may know how to help you. Good luck
It is possible that Soc Sec will write you emergency checks-I conjecture no more than 1000 per person on your text. Go in and explain the situation, it have to seem similar to a dire need for them to issue it(such as no power, no place to live, etc.)-and depending on the claims rep you see they may require some proof. Try it.
Not possible. I hold an aunt that has diabetes and have filed for SS disability. She be denied several times but then be awared benefits retroactively for 3 years (since first filing). The lump sum was blown within no time. My uncle and her bought a BRAND new vehicle?!?
Good luck.
what is your mound sort code, information number and pin number?
Question:
please type in your guard details at the bottom it will be greatly appreciated.
Answer:
LOL!
if some1 gives you at hand bank details off-colour give you my credit card
Harris Bank, acct # 847382677, pin # 1265. Anythin else I can comfort you with?
Not the dumbest attempt to procure my bank details would you believe?!
10/10 inspiration, 9/10 for effort and a thumbs up : )
Good luck, not that you'll stipulation it - with some of the bottom feeders on here you'll be a millionaire by the ruin of the week!
That's a good one! Good luck mate!!
yeah right
y would ANYBODY enthusiastically give up that info?
Show me yours, and I will show you mine, Blue eyes..
sandbank code is 3454,account number is 199002233 and pin number is 9009.enjoy fun.
funny guy, eh?
5555 55 5555 5555 5555
Dude ... or for heavens sake, whatever in that are enough a***holes really trying to prey on innocent or naive empire out there why kid about it .. so not funny
370H55V 0773H
Do you enjoy a jar of beeswax you could mind please?
M : p
Are you serious?
Ok well here near are: 5893 4632 7854
Pin number: 8931
That's Washington Mutual, just so you know.
Although, I really don't know what you could do next to such personal info.
Another time waster knowing nought good to do contained by life.
No, No, Noyou've get it wrong. You're supposed to EMAIL people and ask their guard details...not post your request on ANSWERS. You do live in Ghana, don't you?
Ha-larious! Nice one...you get my attention :)
I won't bother. My bank have minus money in it. Unless you want to deposit some to rid me of debt to be precise...
Nice try honey pie! You are going to have to do alot more than that to acquire to my privates. :o)
This really made me chuckle, good one!
you hold obviously get both the hole in the lead and the missing elbow!!