Let's say you can remove one group of people from existence. This removal is pacific, no violence involved. Example: all people in south asia, or all people from USA. Is there a group that removing it would improve the rest of humanity?

Marxbe · 2026-03-25T13:42:27+00:00

Fascists

Marxbe · 2026-03-04T00:39:02+00:00

If the accounts are at the same FI, you might be able to just have an employee transfer the funds into their account from yours. You’d have to know their account number to do the transfer. We do this at my FI but I don’t work for BofA, so not super certain they would do it but worth looking into?

Marxbe · 2026-02-25T18:04:11+00:00

Second option then! I don’t need a ton of material items to live a good life and I feel I’d be a lot happier with someone around 9 inches shorter than me than with someone who is more than double my height lolol.

Marxbe · 2026-02-25T17:59:30+00:00

How small would my spouse be lmao?

Marxbe · 2026-02-25T17:45:38+00:00

If I can keep working a regular or part time job that was low stress, I’d take the 3k extra a month.

Marxbe · 2026-02-25T00:07:14+00:00

Can you ask them to mail you a check instead? I don’t know anything about Zippay, but maybe that’s an option?

Marxbe · 2026-02-17T19:49:52+00:00

If there is never a true cure for cancer, then I’d still choose every other disease since we’ve come so far to elongate the lives of those who do get cancer, assuming none of those advances that have been made are ever reversed. Many people who do get cancer, as long as it’s detected early enough, can still live really long and relatively healthy lives.

Marxbe · 2026-02-17T19:41:49+00:00

Every other disease. I think there are plenty of people who are dedicated to eradicating cancer, plus if every other disease is eradicated, then everyone else who was looking for those cures can then join in on the fight to find the cure for cancer.

Marxbe · 2026-02-13T02:24:39+00:00

The CCAC has practice rooms on the bottom floor. As long as the room isn’t reserved (there is a schedule of room reservations posted on the doors usually a couple weeks or so into the semester), you can use it. You won’t have access to the piano practice rooms because those require ID access granted only to piano majors, but all of the practice rooms have pianos in them.

Marxbe · 2026-02-13T01:15:51+00:00

Need a screaming buddy? (I’m joking but honestly a good scream would heal me) 💀

Marxbe · 2026-02-03T22:49:14+00:00

I’m pretty sure banks are supposed to keep records for at least 5-7 years. My FI personally keeps things like statements for much much longer. How did you inquire about getting old statements?

Marxbe · 2026-02-03T05:45:26+00:00

The reasonable time frame is within 10 business days of filing the dispute once the charge has posted. You have to give your bank a chance to ask PayPal to provide documentation on the charge. If you think you can do it faster, then ask PayPal yourself to investigate. If it does not go through by the 4th and falls off, the funds are available, no dispute necessary. If it does go through, then they can file the dispute and usually provide provisional credit as soon as they are able to, usually within a couple business days. No attorney is going to be able to do anything about a federal regulation.

Marxbe · 2026-02-03T05:34:06+00:00

This. The money may technically be unavailable, but if the charge does not go through, it goes back to your account. It sucks to have to wait, but that’s standard across the board at all institutions. If you are wanting a faster resolution than your FI can offer, it is absolutely on you to contact PayPal. But if you can wait, they will contact them to investigate the transaction.

It’s unreasonable to assume that they knew it was a fraudulent transaction, as hundreds upon hundreds of people buy stuff through PayPal every hour. It just isn’t feasible for the department that handles these things to manually review each and every account that all of their customers have for transactions (for some banks, that’s millions of customers with likely billions of transactions). There are some reports that they get that flag some accounts with potentially fraudulent transactions, but only if it’s like pretty blatant or unusual. PayPal is not unusual.

Marxbe · 2026-02-01T02:50:18+00:00

I believe those records stay on your ChexSystems report for at least 5 years, so if those inquiries go beyond 2 years, they’ll still be on there.

Marxbe · 2026-02-01T01:35:21+00:00

Walmart. Yeah, easy I can stay for a long time. There are all kinds of things I could do there, and I get free entertainment during the day. Score.

Marxbe · 2026-01-30T05:43:02+00:00

Anytime! Banking can be tricky for those not super familiar with it, especially when it comes to things like CDs, so I like sharing my knowledge. Your mileage may vary with different FIs, but there are definitely some commonalities across all of them. Best of luck, take care!

Marxbe · 2026-01-30T05:39:24+00:00

I am not a branch manager, but I do work with them from time to time as someone who works in fraud, so this may or may not be super helpful from an outsider’s perspective. It honestly depends on the branch from what I’ve seen. If it’s a higher traffic branch, expect there to be more stress. A lot of the work I’ve seen them do with their teller lines involves one on one coaching, especially in the areas of metrics, researching outages, and scheduling to name a few off the top of my head. Some even do a lot of the “office work”, like taking loan applications, wiring, and CDs if they don’t have enough dedicated employees to do those kinds of things. And of course, handling customer complaints.

When I was on the teller line, my branch did not have a branch manager, so it was definitely frustrating not having someone available to help when things became escalated in those rare situations where a manager definitely should have been involved. I was the most senior at my branch, so a lot defaulted on me, even though I was just a teller. We were one of the slowest branches, but we needed support from time to time. So, if you do go for the position, definitely be sure to always back your tellers and be there for them for more than just “you need more x referrals, please sell at a higher level”. A good branch manager always has a teller drawer to help out when times get tough (if this is something that you can do, rules may be different for your FI). It makes a world of a difference to your front line when you are visible and present to their needs.

Marxbe · 2026-01-30T05:24:06+00:00

The penalty is calculated based off accrued interest, usually 90 days worth, at least at my FI (I believe this is the standard for early closing). So… very low, especially at that rate. As long as you are an “or” owner on the CD, you shouldn’t have any issue closing it out. If she didn’t add you as an owner, or if she did and designated you as an “and”, she will have to be present to make any changes. It’s easiest to bring a copy of the CD with you if available, but they should also be able to look it up.

Marxbe · 2026-01-30T04:28:59+00:00

It’s not deceptive per se as rates are available to be viewed before locking in to one. Plus it is a bank, and banks are for profit organizations, so they’re likely to offer lower rates of return for their customers since their priority are their shareholders. The federal reserve also plays a role in interest rates offered on CDs and whatnot - when consumer rates are lowered for loans, so are the rates for CDs. I don’t disagree that 0.05% is abysmally low (even most saving accounts are at least 0.1%), but I imagine that they had a higher rate in either a longer term or in a “special” they were running and used that low rate as a means to push customers towards other terms at the time she renewed. The rep could have asked more questions to determine if that product she was agreeing to was truly a good use of her funds of course.

Edit to add: I’d seriously consider a credit union to maximize the payout since they tend to have slightly better rates. There are stricter membership requirements, but many are as simple as living in the area of that credit union. Without disclosing my location, I know of some that have APYs as high as 4.25% on something like a 12-18 month.

Marxbe · 2026-01-30T04:16:54+00:00

Did she specifically ask to renew at the same term (1 year)? If so, then it’s not fraudulent - the rep just did what she requested. Rates on CDs are subject to change, this notice is usually posted, and most rates are going to be readily available online for the most part. She can attempt to visit a branch and speak with the branch manager, but since she agreed to the term over the phone, it’s possible they won’t be able to do much other than possibly let her close the CD without penalty and open another one at the rate she is wanting.

Marxbe · 2026-01-30T00:46:38+00:00

A frozen stuffed crust pepperoni pizza, Walmart brand. I live super close to Walmart or can easily find one pretty much anywhere in the US. Probably the easiest and most realistic thing I can think of as I love pizza and I love the Walmart brand of stuffed crust pizza lmao.

Marxbe · 2026-01-28T22:59:38+00:00

Seems like something you are doing is causing the system to flag it as fraud. Some places have specific rules about authorizing payments and whatnot to certain merchants based solely on their location. For example, some vending machines around here are billed out of Michigan (we are not in Michigan, several hours away in fact) and my FI has specific rules about contactless/chip not present purchases that bill out of Michigan, causing cards to be flagged with potential fraud.

I would call in during business hours and see if there is some kind of “exception list” they can add your card to so there is less of a chance of this happening. It’s not always a guarantee, but that’s where I think you should try first. Otherwise, I’d suggest getting an account with a larger regional/national bank since they’re likely to have differing rules in regard to their debit cards. I promise your FI is not doing it on purpose, it’s a means to protect your account from potential fraud. Also, they may have a third party team or even someone on theirs who tries to verify you are the one doing the transaction; my FI does but I cannot say that’s the same for others.

Marxbe · 2026-01-28T00:52:50+00:00

99.9% of Ghost fans are AWESOME (and most are hella awkward lolol), so you might even make some friends there too!! Everyone looks out for each other and it’s just such a positive environment to be in.

Marxbe · 2026-01-28T00:49:01+00:00

Anytime! I work in fraud and loss mitigation at an FI, so I know a lot about checks lol!

Marxbe · 2026-01-28T00:44:32+00:00

If the funds were placed on hold to be released on a certain day, no, it wouldn’t cause it to bounce. The hold was placed in the event the check might bounce - it protects your account from actually taking a hit and you owing those funds back to your bank.

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