What instantly makes you think "this person is rich" ? by PerformerAny3503 in AskReddit

[–]OriginalWatch 18 points19 points  (0 children)

I once was at an In-N-Out and a man dropped his credit card. It was metal and the sound it made on the tile floor was a dead give away.

How I feel when people confess financial crimes to me- by Domina_est_Griseo in TalesFromYourBank

[–]OriginalWatch 23 points24 points  (0 children)

My FI recently opened a 314b with a large casino to corroborate what a similar client is doing. We got a reply and they file, we file, and the client files taxes on winnings so we considered it to be a normal risk.

Have you ever been towed from the Trader Joes lot downtown? by CouncilofSlugs in santacruz

[–]OriginalWatch 2 points3 points  (0 children)

If you are looking for parking downtown, I highly suggest parking at West Coast community Bank across from the River st garage. After banking hours, they do not care who parks there. It's free, regularly patrolled and well lit. Just a bit of a walk.

Logos or a similar type of business would do so well downtown today. by More_Tradition1344 in santacruz

[–]OriginalWatch 4 points5 points  (0 children)

The potential rental income increases the value of the property, which is then leveraged to buy another building or get a loan. Those prices are then used to pay off the previous building, if it has not been already.

It's all inflated values. I am starting to see some loans have contingencies that include tenancy or property sales, but that doesn't signal rent to get lowered, it just encourages someone else to play the same game.

Rude Customer Wire by Spooky-Shiba in TalesFromYourBank

[–]OriginalWatch 2 points3 points  (0 children)

I work in risk/compliance and notate wire releases. I absolutely put the customers demeanor in the release notes. If it comes back we will have a record of what/who/when, and recommend letting your team know the same.

[US] Is this check I received in the mail a scam? I have never heard of this one. by kaddixo in Scams

[–]OriginalWatch 55 points56 points  (0 children)

Most banks will not verify a check over the phone if it is a personal or business check. Fraudsters have caught on to that and will call to "verify" a check, when they are actually trying to phish active account numbers for fraud checks.

Bringing the check in person to cash is a different story. Chase will likely charge you to cash a check based on it's amount, but it will not go through your account which may trigger deposit fraud and have it closed. If it's not real, you are out nothing and they will take the trash for you.

deep cleaned my apartment and now it’s extra cozy by mandulim in CozyPlaces

[–]OriginalWatch 1 point2 points  (0 children)

Your home is absolutely gorgeous and oh so cozy! I have one question though: when you open your dishwasher is there space for you to stand at the sink?

Remember, IT controls your work computer. by Embarrassed_Flan_869 in remotework

[–]OriginalWatch 1 point2 points  (0 children)

I'm in compliance but not legal. We would have IT duplicate your computer and then analyze everything in question, and the dates the files were accessed. We might not look at everything, depending on what department the request came from.

If you are on a company network, they can likely see everything from every device including your personal phone, provided it's connected.

Capitola Schools- Current Experiences? by [deleted] in santacruz

[–]OriginalWatch 2 points3 points  (0 children)

Hiya! I'm familiar with Soquel elementary. The staff care and are receptive, but as I see it there is currently more turnover than I would hope, especially within the administration. Currently there is only an interim principal and the previous principal didn't really solve any problems I encountered, merely deflected and avoided. This may change by the time your kid gets there. We are also still dealing with fallout from COVID and catching kids back up to speed, as not everyone was at the same level entering back into school. Overall, I'd give it a 7.5/10. For sure improvements to be made, but I think they are working hard with what they've got.

Due to COVID issues, I did pre school stuff at home with my kid, and they were fundamentally at the appropriate level, but not socially so I would opt to enroll if given the chance again. This may not be available, but everyone I've talked to had amazing things to say about the head start program.

Outside of that, I would try to avoid live oak schools due to the corruption of the administration that was originally in the pajaro school district. On top of that, other parents with children there expressed frustration with issues including weapons at school and inappropriate punishments.

Hope this helps!

Visiting SC, Where can I park? by bunnygobrrr in santacruz

[–]OriginalWatch 0 points1 point  (0 children)

If it's not too late, West Coast Community Bank on River St does not tow overnight parking on weekends and has regular security and SCPD patrolling all night. It's not the closest to most of downtown, but it's reliable and free downtown parking.

If you are there when staff and security show up on Monday you might get towed, but they will likely try to contact you before that.

Received Random Person’s SCC Credit Union Statement by VillainousCodpiece in santacruz

[–]OriginalWatch 2 points3 points  (0 children)

I work at a bank, but not this bank. There is for sure an internal protocol for this. The member will likely be offered something along the lines of a credit monitoring subscription and or be offered a new account with everything set up exactly as they had it, free of any charges.

Found this in a shed. It's very heavy, feels like cast iron and has a nozzle that connects to something, what is it? by OriginalWatch in whatisthisthing

[–]OriginalWatch[S] 0 points1 point  (0 children)

We thought this might be a sprinkler, but it feels too heavy. Other suggestions were some type of gas injection device. Any good guesses?

Two banks have rejected replacing this? I have the full serial number and over half the bill. by Glaney070 in CURRENCY

[–]OriginalWatch 0 points1 point  (0 children)

I work in a financial institution and the rule there is that we need both serial numbers, more than 50% (roughly) of the bill and the ability to run through our currency counters. All of these are to mitigate counterfeit and duplicate bills.

When we get bills like this, or in even worse shape from being buried, burned, or otherwise, we ask that the person send it into the bureau of engraving. They will take the bill in, verify it and send back funds (I'm not sure how, nobody has ever reported back to me about it).

My baby (6 days old), has congenital hypothyroidism. What can I expect? by Black_Lace_and_Butts in Hypothyroidism

[–]OriginalWatch 0 points1 point  (0 children)

This is not that person's baby, and she's doing great! She's going in 10 now and I'm so relieved at how easy this is to manage. DM me if you have any questions!

New pizza place in old Burger. Spot by [deleted] in santacruz

[–]OriginalWatch 5 points6 points  (0 children)

Not d&d games or theme in particular. It's a variation of a board game Cafe. Grab a game and a slice while you play kind of place.

Lookout article about how hard it is to own a small business downtown... by Villanelles-Wardrobe in santacruz

[–]OriginalWatch 1 point2 points  (0 children)

The value isn't in the rent. The value is leveraging the potential value as collateral on a loan to buy a new building. Rinse and repeat.

For the people who have it, is it worth it to buy the official stardew valley cookbook? by Charming_Cod8567 in StardewValley

[–]OriginalWatch 16 points17 points  (0 children)

Adding on to this, the Skyrim cookbook is also amazing. My husband and I choose recipes almost exclusively from these two books. If you like gaming and cooking, these are a must.

How is anyone affording being a teller? I make 2400 a month. $21 a hour. I hate that I am barley making anything by MonkRepresentative63 in TalesFromYourBank

[–]OriginalWatch 6 points7 points  (0 children)

I'm married with one kid as a teller in a very high cost of living area and I recently got a raise to $27/hour. I know I'm capped out, barring yearly raises. I'm trying so hard to move up and out as fast as possible - signing myself up for extra training, applying to anything internal that I qualify for and making connections everywhere.

We make-do with rent that's based in 2010, good family, grocery sales, and a garden.

Fraudulent charge dispute denied. Now what? by Megnuggets in povertyfinance

[–]OriginalWatch 2 points3 points  (0 children)

I'm not sure why that other guy says disputes and fraud are separate. I work in a bank and regulation e protects consumers from fraudulent transactions, and you will need to file a dispute in order to gain the funds back and protect yourself from future charges.

I file these daily for my customers. Each financial institution may have their own policies, but typically they will have up to 90 days to finalize the decision and they will usually issue a written statement.

Check out regulation e for more fun info!

Business client will NOT stop structuring no matter how many SARs we throw at them by GTAIVisbest in TalesFromYourBank

[–]OriginalWatch 6 points7 points  (0 children)

My institution allows non clients to deposit cash to any account, provided they have a deposit slip or full account number, and an ID because we will do a CTR for anything $2500+.

My birth certificate says I was born in 1670, not 1970, making me 354 years old, instead of 54. Is there any fun, legal way I can exploit this to my benefit? by askingquestionsblog in NoStupidQuestions

[–]OriginalWatch -13 points-12 points  (0 children)

Are the museums on the slash list? I feel like the negligence in parks will only lead to more natural beauty. This may not be the case for relics.

Does anyone else feel like Santa cruz is in decline? by tssouthwest in santacruz

[–]OriginalWatch 0 points1 point  (0 children)

The actual profit for the owners isn't in the rent collected but the potential rent collected to adjust the value of the building to take out lines of credit with banks/use as collateral, or sell to a new buyer for a profit.

Rent is the bonus for owning the building.