CHEEZY17 wrote: ↑Tue Mar 23, 2021 10:56 am
It might be a pain in the ass but you might have to just bite the bullet and move banks. There are banks out there with little or no fees- you just have to find them. My bank has free unlimited checking and no fees for electronic payments. The only requirement is maintaining a balance of at least 10k. It does not pay interest though. Like you, any type of fee irks the fuck out of me so I researched pretty hard before I settled on this one and I've been with them for about 7 years now. For my situation, the lack of any interest payment was better than the bullshit fees in other types of accounts available.
I just finished moving banks. Moved out of Wells Fargo to a smaller bank. I have to maintain a checking balance over 7 figures just to keep fees close to zero. at no interest. and that's at the new bank. Wells fargo the fees for that were around $600 per month.
But all of these fees just started in the past year or so. I mean they have always been there, but there overnight deposit rates on the big balances kept countered the fees. Its only been since Covid that those rates have dropped so much that they barely counter anything now. Shit, it wasn't too many years ago that my checking account was generating a pretty hefty interest rate over night.
i sold roughly 30 of our branches in texas a few years back. its a tough place to bank. the lending rules are very different in texas then anywhere else
Texas has unique laws when it comes to mortgages. they have very specific home equity laws. plus there are lots of homes with acreage which presents all kinds of different issues. In 2017 Texas amended the their constitution which made cashing out a home easier but its still different than any other state. there are agricultural homesteads and a bunch of really specific land issues to texas. some of the changes also allow different types of loans and lenders to do business there...its just a bunch of extra shit to deal with.
btw...there are other states and areas that are difficult to lend in. for example...Louisiana has different things in the French quarter that make it rough to lend in. the foreclosure rules are very odd and the paperwork is recorded in French
CHEEZY17 wrote: ↑Tue Mar 23, 2021 10:56 am
It might be a pain in the ass but you might have to just bite the bullet and move banks. There are banks out there with little or no fees- you just have to find them. My bank has free unlimited checking and no fees for electronic payments. The only requirement is maintaining a balance of at least 10k. It does not pay interest though. Like you, any type of fee irks the fuck out of me so I researched pretty hard before I settled on this one and I've been with them for about 7 years now. For my situation, the lack of any interest payment was better than the bullshit fees in other types of accounts available.
I just finished moving banks. Moved out of Wells Fargo to a smaller bank. I have to maintain a checking balance over 7 figures just to keep fees close to zero. at no interest. and that's at the new bank. Wells fargo the fees for that were around $600 per month.
But all of these fees just started in the past year or so. I mean they have always been there, but there overnight deposit rates on the big balances kept countered the fees. Its only been since Covid that those rates have dropped so much that they barely counter anything now. Shit, it wasn't too many years ago that my checking account was generating a pretty hefty interest rate over night.
You maintain a 7 figure checking account and you don’t have a full time accountant?
pork wrote: ↑Tue Mar 23, 2021 9:51 pm
Texas has unique laws when it comes to mortgages. they have very specific home equity laws. plus there are lots of homes with acreage which presents all kinds of different issues. In 2017 Texas amended the their constitution which made cashing out a home easier but its still different than any other state. there are agricultural homesteads and a bunch of really specific land issues to texas. some of the changes also allow different types of loans and lenders to do business there...its just a bunch of extra shit to deal with.
btw...there are other states and areas that are difficult to lend in. for example...Louisiana has different things in the French quarter that make it rough to lend in. the foreclosure rules are very odd and the paperwork is recorded in French
Thanks for the info. I know going way back to the 19th century, Texas so hated NYC banks they passed all kind of laws making sure the state wasn't overwhelmed.
CHEEZY17 wrote: ↑Tue Mar 23, 2021 10:56 am
It might be a pain in the ass but you might have to just bite the bullet and move banks. There are banks out there with little or no fees- you just have to find them. My bank has free unlimited checking and no fees for electronic payments. The only requirement is maintaining a balance of at least 10k. It does not pay interest though. Like you, any type of fee irks the fuck out of me so I researched pretty hard before I settled on this one and I've been with them for about 7 years now. For my situation, the lack of any interest payment was better than the bullshit fees in other types of accounts available.
I just finished moving banks. Moved out of Wells Fargo to a smaller bank. I have to maintain a checking balance over 7 figures just to keep fees close to zero. at no interest. and that's at the new bank. Wells fargo the fees for that were around $600 per month.
But all of these fees just started in the past year or so. I mean they have always been there, but there overnight deposit rates on the big balances kept countered the fees. Its only been since Covid that those rates have dropped so much that they barely counter anything now. Shit, it wasn't too many years ago that my checking account was generating a pretty hefty interest rate over night.
You maintain a 7 figure checking account and you don’t have a full time accountant?
Well, that is kind of the other elephant in the room.
CHEEZY17 wrote: ↑Tue Mar 23, 2021 10:56 am
It might be a pain in the ass but you might have to just bite the bullet and move banks. There are banks out there with little or no fees- you just have to find them. My bank has free unlimited checking and no fees for electronic payments. The only requirement is maintaining a balance of at least 10k. It does not pay interest though. Like you, any type of fee irks the fuck out of me so I researched pretty hard before I settled on this one and I've been with them for about 7 years now. For my situation, the lack of any interest payment was better than the bullshit fees in other types of accounts available.
I just finished moving banks. Moved out of Wells Fargo to a smaller bank. I have to maintain a checking balance over 7 figures just to keep fees close to zero. at no interest. and that's at the new bank. Wells fargo the fees for that were around $600 per month.
But all of these fees just started in the past year or so. I mean they have always been there, but there overnight deposit rates on the big balances kept countered the fees. Its only been since Covid that those rates have dropped so much that they barely counter anything now. Shit, it wasn't too many years ago that my checking account was generating a pretty hefty interest rate over night.
You maintain a 7 figure checking account and you don’t have a full time accountant?
CHEEZY17 wrote: ↑Tue Mar 23, 2021 10:56 am
It might be a pain in the ass but you might have to just bite the bullet and move banks. There are banks out there with little or no fees- you just have to find them. My bank has free unlimited checking and no fees for electronic payments. The only requirement is maintaining a balance of at least 10k. It does not pay interest though. Like you, any type of fee irks the fuck out of me so I researched pretty hard before I settled on this one and I've been with them for about 7 years now. For my situation, the lack of any interest payment was better than the bullshit fees in other types of accounts available.
I just finished moving banks. Moved out of Wells Fargo to a smaller bank. I have to maintain a checking balance over 7 figures just to keep fees close to zero. at no interest. and that's at the new bank. Wells fargo the fees for that were around $600 per month.
But all of these fees just started in the past year or so. I mean they have always been there, but there overnight deposit rates on the big balances kept countered the fees. Its only been since Covid that those rates have dropped so much that they barely counter anything now. Shit, it wasn't too many years ago that my checking account was generating a pretty hefty interest rate over night.
You maintain a 7 figure checking account and you don’t have a full time accountant?
CentralTexasCrude wrote: ↑Tue Mar 23, 2021 10:06 pm
I'm thinking I see the problem.
shit, i could run fucking laps around any accountant you could come up with for a business this size. my CPA says he has never seen a company with books as good as ours.
CentralTexasCrude wrote: ↑Tue Mar 23, 2021 10:06 pm
I'm thinking I see the problem.
shit, i could run fucking laps around any accountant you could come up with for a business this size. my CPA says he has never seen a company with books as good as ours.
What the Hell is the matter with you? Just shut up and let W/CTC run your business for you.
CentralTexasCrude wrote: ↑Tue Mar 23, 2021 10:06 pm
I'm thinking I see the problem.
shit, i could run fucking laps around any accountant you could come up with for a business this size. my CPA says he has never seen a company with books as good as ours.
The thing is, you’re spending a lot of time being super accountant when you could be out generating or managing projects. Your also managing a business that maintains a 7 figure checking account with quick books.
CentralTexasCrude wrote: ↑Tue Mar 23, 2021 10:06 pm
I'm thinking I see the problem.
shit, i could run fucking laps around any accountant you could come up with for a business this size. my CPA says he has never seen a company with books as good as ours.
Maybe so. But I think the bigger question is, is it worth your time and trouble going through this monthly hassle/ experience when you could hire someone to do the rudimentary, train them in your techniques and double check their work at the end and save yourself a lot of time/ grief.
CentralTexasCrude wrote: ↑Tue Mar 23, 2021 10:06 pm
I'm thinking I see the problem.
shit, i could run fucking laps around any accountant you could come up with for a business this size. my CPA says he has never seen a company with books as good as ours.
The thing is, you’re spending a lot of time being super accountant when you could be out generating or managing projects. Your also managing a business that maintains a 7 figure checking account with quick books.
yes. i am . the same as 30 million other small businesses around the country that use Quickbooks to run their companies. Its a pretty simple process that I can maintain in about 2 or 3 hours a day. Its not rocket science.
CentralTexasCrude wrote: ↑Tue Mar 23, 2021 10:06 pm
I'm thinking I see the problem.
shit, i could run fucking laps around any accountant you could come up with for a business this size. my CPA says he has never seen a company with books as good as ours.
Maybe so. But I think the bigger question is, is it worth your time and trouble going through this monthly hassle/ experience when you could hire someone to do the rudimentary, train them in your techniques and double check their work at the end and save yourself a lot of time/ grief.
CentralTexasCrude wrote: ↑Tue Mar 23, 2021 10:06 pm
I'm thinking I see the problem.
shit, i could run fucking laps around any accountant you could come up with for a business this size. my CPA says he has never seen a company with books as good as ours.
The thing is, you’re spending a lot of time being super accountant when you could be out generating or managing projects. Your also managing a business that maintains a 7 figure checking account with quick books.
yes. i am . the same as 30 million other small businesses around the country that use Quickbooks to run their companies. Its a pretty simple process that I can maintain in about 2 or 3 hours a day. Its not rocket science.
Quickbooks has sucked since they went on a subscription basis.
CentralTexasCrude wrote: ↑Tue Mar 23, 2021 10:06 pm
I'm thinking I see the problem.
shit, i could run fucking laps around any accountant you could come up with for a business this size. my CPA says he has never seen a company with books as good as ours.
The thing is, you’re spending a lot of time being super accountant when you could be out generating or managing projects. Your also managing a business that maintains a 7 figure checking account with quick books.
yes. i am . the same as 30 million other small businesses around the country that use Quickbooks to run their companies. Its a pretty simple process that I can maintain in about 2 or 3 hours a day. Its not rocket science.
Quickbooks has sucked since they went on a subscription basis.
Can you offer him a different solution to Quickbooks, maybe?
CentralTexasCrude wrote: ↑Tue Mar 23, 2021 10:06 pm
I'm thinking I see the problem.
shit, i could run fucking laps around any accountant you could come up with for a business this size. my CPA says he has never seen a company with books as good as ours.
The thing is, you’re spending a lot of time being super accountant when you could be out generating or managing projects. Your also managing a business that maintains a 7 figure checking account with quick books.
yes. i am . the same as 30 million other small businesses around the country that use Quickbooks to run their companies. Its a pretty simple process that I can maintain in about 2 or 3 hours a day. Its not rocket science.
Quickbooks has sucked since they went on a subscription basis.
My CPA gives me a free copy. I don't have to pay for it.
And, No CTC, I have no plans to change my bookkeeping system. My CPA uses QB for all of his clients, so that when its time to close out a year I can simply send him a flash drive and he can send me his closing adjustments back the same way. Thanks for your brilliant business acumen, however.
CentralTexasCrude wrote: ↑Tue Mar 23, 2021 10:06 pm
I'm thinking I see the problem.
shit, i could run fucking laps around any accountant you could come up with for a business this size. my CPA says he has never seen a company with books as good as ours.
The thing is, you’re spending a lot of time being super accountant when you could be out generating or managing projects. Your also managing a business that maintains a 7 figure checking account with quick books.
yes. i am . the same as 30 million other small businesses around the country that use Quickbooks to run their companies. Its a pretty simple process that I can maintain in about 2 or 3 hours a day. Its not rocket science.
Quickbooks has sucked since they went on a subscription basis.
My CPA gives me a free copy. I don't have to pay for it.
And, No CTC, I have no plans to change my bookkeeping system. My CPA uses QB for all of his clients, so that when its time to close out a year I can simply send him a flash drive and he can send me his closing adjustments back the same way. Thanks for your brilliant business acumen, however.
No problem. So 5 pages of advise and not one problem solved. Sounds about right for UJR.
CentralTexasCrude wrote: ↑Tue Mar 23, 2021 10:06 pm
I'm thinking I see the problem.
shit, i could run fucking laps around any accountant you could come up with for a business this size. my CPA says he has never seen a company with books as good as ours.
And Flumpy's doctor says he may live to see 200 years old. Cleanest colon he's ever saw!
Any damn fool can navigate the world sober. It takes a really good sailor to do it drunk
CentralTexasCrude wrote: ↑Tue Mar 23, 2021 3:24 am
I know where my package is. It's 3 miles from me and I'm going there tomorrow morning to claim it since the 3 miles seems like it's going to take them 2-3 days to deliver it. What a cluster fuck. Oh, and stop being a lapdog.
CentralTexasCrude wrote: ↑Tue Mar 23, 2021 3:24 am
I know where my package is. It's 3 miles from me and I'm going there tomorrow morning to claim it since the 3 miles seems like it's going to take them 2-3 days to deliver it. What a cluster fuck. Oh, and stop being a lapdog.
Did you get your phone today?
He dropped in the toilet
Any damn fool can navigate the world sober. It takes a really good sailor to do it drunk
CentralTexasCrude wrote: ↑Tue Mar 23, 2021 3:24 am
I know where my package is. It's 3 miles from me and I'm going there tomorrow morning to claim it since the 3 miles seems like it's going to take them 2-3 days to deliver it. What a cluster fuck. Oh, and stop being a lapdog.
Did you get your phone today?
Was heading to UPSP this morning- tracking said it would be delivered today. USPS just delivered it almost a week after I ordered it. Per OP, asked the carrier what he thought the recent problem was. He thought it was the urgency on getting out the covid checks.
Ok, beautiful phone. Once I get it fired up and serviced, can someone give me a time table on how long it takes to become a "zombie" like everybody else? You know, head down running into trees, falling into pools, getting run over in parking lots. I'm already fired up about driving the 2 miles to the grocery store without even looking at traffic.
CentralTexasCrude wrote: ↑Wed Mar 24, 2021 12:03 am
Ok, beautiful phone. Once I get it fired up and serviced, can someone give me a time table on how long it takes to become a "zombie" like everybody else? You know, head down running into trees, falling into pools, getting run over in parking lots. I'm already fired up about driving the 2 miles to the grocery store without even looking at traffic.
You were already fired up without it when you face-planted in the BBQ.
RIP
MY PEOPLE SKILLS ARE JUST FINE. IT"S MY TOLERANCE FOR IDIOTS THAT NEEDS WORK
CentralTexasCrude wrote: ↑Wed Mar 24, 2021 12:03 am
Ok, beautiful phone. Once I get it fired up and serviced, can someone give me a time table on how long it takes to become a "zombie" like everybody else? You know, head down running into trees, falling into pools, getting run over in parking lots. I'm already fired up about driving the 2 miles to the grocery store without even looking at traffic.
Don't worry about it. You bought a discount bargain bin phone that's already obsolete. For $100 more you could have done 5x better.
Oh... and it's going to take you a year to pick a cell phone carrier.
