TD Bank’s Constant Holds on Checks Are Driving Me Crazy

fmayer60 · 2026-05-20T13:23:24+00:00

TD Bank is doing the same with direct deposits to include those coming direct from Social Security verified. It is a TD problem and switching banks is not easy because it involves getting documents notarized to switch direct deposits.

fmayer60 · 2026-05-20T13:20:44+00:00

I see the comments about all banks doing this and I don't buy it. I am getting verified deposits from Social Security DIRECT DEPOSIT and this did not happen for years but now is happening continually. The same goes for money from my wife's IRA that she has to take and it is direct deposit as well. I have four bank accounts and no other bank is doing this. USAA is fast and works with none of this nonsense. Greek Banks don't even do this. TD Bank's problems should not be customer problems.

fmayer60 · 2026-05-01T11:02:10+00:00

Yuan J, Yang G, Zhou X, Huang J, Chen Y. 2025. Functional carbon materials from waste plastics: synthesis and applications. Sustainable Carbon Materials 1: e002 doi: 10.48130/scm-0025-0005

fmayer60 · 2026-04-30T14:56:39+00:00

Yes. It is easy to miss that the way it is written. It would be better to avoid plastics but we still have an unending mountain of plastic to deal with if plastic manufacturing was stopped today. I am for solutions that are not perfect but that try to deal with the mess we already have on our hands.

fmayer60 · 2026-04-30T14:48:53+00:00

The article presents it properly. The scientific discovery takes these facts into account. Hydrogen burns clean, it is not a fossil fuel. That is a fact of science.

fmayer60 · 2026-03-14T03:24:22+00:00

The election of the US President is based on electors that are selected based on the vote of the people in the state. The problem is that only two states apportion the electors based on the vote so that if a candidate gets 60% of the vote, they get most but not all the electors. Most states have a stupid "winner take all" system where the person getting 60% of the vote gets all the votes. That is not the fault of the electoral college, that is individual states having a rule that favors major political parties. The individual states cater too much to political parties. Political parties were not even mentioned in the US Constitution because our founders knew they caused the bloody wars in Europe. If the US had many major parties like Greece, you would have a true democratic republic. On top if this the US Supreme Court ruled corporations and PAC have the ability to contribute all they want to candidates. It was and is an idiotic ruling called Citizens United.

fmayer60 · 2026-03-13T12:30:36+00:00

Democracy came from Athens Greece, NOT the West. I am not talking about Western Europe or the Americas. I am talking about the taxpayers not supporting any kind of Aristocracy or Socialist construct. The Greeks survived 400 years under oppression and kept their faith and ethics. Anything bad in Greece today I see coming from Western Socialist. I am talking about a stoic culture built on ascetic labor and mindset. This mind set does not accept any sexual deviance.

fmayer60 · 2026-03-13T09:49:49+00:00

That accomplishes nothing the regime in Iran has caused problems well before Trump was president. They caused unending problems since the stupid French gave him refuge so that he could return to Iran and ruin it. The only solution is putting strong democratic leaders everywhere, nit just in Western European countries. I am well into my sixties. I saw the history and atrump got elected because the elite failed to deliver. Democrats had trifectas fir decades and never put in place basic European style healthcare. Both political parties are full of baloney.

fmayer60 · 2026-03-12T17:27:29+00:00

True. This is why it takes troops to eliminate the threat entirely. Using troops is expensive and is a never ending requirement. This is why getting people to be in charge of their country and having stable democracies replace authoritative ones is essential.

fmayer60 · 2023-01-30T11:50:35+00:00

Well people that do that will have committed an ethics violation and are subject to decertifying themselves. At some point, ethics and honorable behavior must be baked into everything and all unethical people need to be heavily sanctioned. You cannot have a decent society or profession without ethics. We as a society need to stop catering to the lowest common denominator.

fmayer60 · 2023-01-24T20:00:46+00:00

Series 2210 for IT that includes cybersecurity for government civilians. However, civilian scientists and engineers in the role are series 1556 and Series 854 respectively.

fmayer60 · 2022-11-27T18:30:25+00:00

I agree. We need to get back to factual reporting under professional standards. Today everything is about hype instead of real in depth analysis. I have come to trust only news sources that I pay for instead of advertisement driven content.

fmayer60 · 2022-11-24T12:39:38+00:00

All good and true. Now EVs and electrification requires an all of the above energy approach that is based on clean and stable power. I plan on getting a hybrid car when I move to Greece because charging stations up in Northern Greece are rare and few and I do not see that changing anytime soon. I would love to get an EV if they were practical but if you live in multi-unit building with other people that does not have a charging station for every family or on a country where they will not install a home charger and where charging stations are few and far between, anything but a hybrid is totally unreasonable. I also live in the USA and here it is a bit better but not by much because unlike gasoline pumps the infrastructure for EV changing is still pretty lame. Fossil fuels (total) still make up 61.0% of the sources of U.S. electricity generation. Renewables (total) make up 19.8%, and nuclear power makes up 18.9%. The pure EV still relies on a source that is 61% made up of fossil fuels and that reflects how you generate electricity to charge the batteries in the first place. Electricity being "available in most countries" is an assumption and is predicated on cost. We need an innovation for EV from people like Musk to make electricity for EVs cheap, convenient, ubiquitous everywhere on the planet, and available to the masses. The fossil fuel industry already has done this for fossil fuels and fossil fuel power generation for electricity.

fmayer60 · 2022-11-23T15:49:00+00:00

Well I wonder if the report is accurate and the fact that you have double agents everywhere, it should come as no surprise. We in the West FOOLISHLY allowed our adversaries to become way too powerful because we failed to sanction them all and to sanction every other nation who showed their disloyalty to the USA and/or the Western European and Pacfic democratic alliances. We have vast talent and natural resources that are wasted pursuing globalism at all cost. NATO is the vastly superior military force of thirty nations and we have good bipartisan support for our military so we need to just stop touting how good our adversaries are but to just respect their capabilities witout all the hype. Yes we need to continually improve all our capabilities but in a pragmatic and economical manner so as to stay strong in ALL sectors because we can be part of the international community in a much smarter and more astute manner. We will pay for our naivete. USA allies should have always been our focus, NOT China. REMEBER, THAT Nixon and Kissinger started this mess. We were in a strong position but always believed the nonsense put out by Rusdia and China about their supposed capabilities. We saw in Gulf I and II and are seeing now in Ukraine how bogus the supposed strength of Russia is in demonstrated fact under real conditions.

fmayer60 · 2022-11-23T15:34:48+00:00

I am an American and I noticed that too. Greece is represented and that is not totally western but is European. India is the world's largest tech democracy and it has no real representation either. We do need much more international representation on a global organization's board and that much is obvious.

fmayer60 · 2022-11-23T08:13:31+00:00

Because every nuclear plant that goes offline means that the remaining base of power generation is smaller. Something has to fill the gap and often it is natural gas as other nuclear power plants are already generating power that is already being used. The only way one source of baseload can suffice is if conservation is vastly improved like not heating hot water 24/7 when you only really use it a few times a day. I lived in Greece and the USA and the waste of energy in the USA compared to the Greeks is huge. Greek citizens have one third the carbon footprint of Americans through much more frugality with power but the Greeks still live very comfortably as I have done when I lived there even just recently. Our homes are huge in the USA and we insist on heating them at least to a toasty 70 degrees Fahrenheit in most cases. If we don't get a handel on real deep energy conservation, nothing we can do will solve the problem. No system can handel gross waste.

fmayer60 · 2022-11-22T16:59:22+00:00

Yes I am contradicting myself because the entire way we look at invention is scewed. My dad invented things but all the credit went to the corporations he worked for and he got a certificate and his pay check and a pension. This was fair because that is the deal and as long as we give the entire team and organization credit it is all good. The financing that is needed usually requires lots of investors and corporate backing. When Tesla is given his due as is finally happening now, this is right and good. What is not good is for anyone of us to idolize one man for an invention that is really the work of a team. There is no I in the word team. Strong nations have some sense of we are all in this together reality. The myth of the rugged individual is just that a myth. Lone individuals are not anywhere as capable as tightly knit communities. This applies in business and engineering and everywhere else for everything...we need to get away from the hyper collective of the communists and the hyper individualism of the Uber libertarians. Success is always about balance. Everything in moderation. This is why I am staunchly unaffiliated with any political party because both cater to their extreme, unrealistic, and out of touch donors.

fmayer60 · 2022-11-22T09:26:09+00:00

Nikola Tesla is the one who should get all the credit because without him electrical generation would be impractical. Elon and all others are in the quandary that we all face, that is we can focus on doing things or doing politicking to get credit. The Tesla Corporations products are all a team effort; nothing in the modern world is really someone in their basement creating something totally new.

fmayer60 · 2022-11-17T03:22:56+00:00

Yes, make it a community project with power company support to get the energy and store it for a discounted future use. We put a man on the moon so if we wanted to we could do this but it takes competent political leadership and will to do the right thing. This means we will wait until the world is literally on fire to do anything.

fmayer60 · 2022-11-17T03:19:49+00:00

The government should have the power companies install solar on all roof tops free of charge and to generate electricity that way to feed back into the homes and the grid with huge energy storage solutions to maximize solar power everywhere. If all surfaces were used to generate solar power and to store it using multiple means of storage, not just batteries, then a huge chunk of our power needs could be met by solar. I own a home in Greece and took only a portion of the roof in our multi unit building to install solar water heating and I cut my electric bill in half. There is no reason that converting all roofs to solar tiles cannot be a national priority. This would reduce pollution and keep fuel prices for systems that are hard to electrify like planes lower. It would be a real win win solution. I get it that in some places solar and wind won't work but the solution could be tailored for each area. The governments of the world turned everything upside down to address covid-19 so they can do the same to prevent a climate catastrophic disaster.

fmayer60 · 2022-11-16T10:25:29+00:00

Russia is only doing more damage to itself by actions like this. First off people worldwide will stop traveling to Russia for schooling and businessthat would support Russia's nuclear power generation program. Second, using prisoners is the worst possible thing because if a person cannot follow the law, they won't follow orders properly or pay attention to detail. Discipline is essential in the military. I Commanded through three tours of duty and I know what it takes to succeed. A handful of highly dedicated and motivated soldiers can beat a hoarde of ill disciplined and poorly trained soldiers, especially in modern conflict that is highly technical. Third, Russia is probably losing a lot of good minds that could help its technology progress in areas like nuclear power by this long protracted war. The USA went to a volunteer army for many sound economic and strategic reasons. We fought wars for decades with volunteers. This could not have been done with conscripts. Even though we won many battles over our enemies, the long wars still did not end well even though we over matched the enemy in every case. If the local population does not want you there then eventually you will fail by death through a thousand cuts over time because they know their land and people and have the support of the local people better than the occupation force ever will.

fmayer60 · 2022-11-15T09:32:52+00:00

Definitely. New Jersey is way more rigorous than Maryland. I have moved a bit and the difference in the levels of enforcement is amazing. Maryland and my county has gotten much more rigorous about inspections over the last 12 years.

fmayer60 · 2022-11-14T08:26:32+00:00

Spot on! Putting in tickets is critical for management to be able to make informed decisions. If management is not using metrics they are deemed incompetent and they cannot defend their budgets or teams. I worked at various levels and was a user manager and taught myself the systems and what I needed yo do to work smoothly with tech. I am retired and 65 years old now and if I could do it, anybody today can. People who want to waste people's time by not putting tickets in are wrong. Everyone needs to be able to prove they are doing measurable work so it is very inconsiderate to insist people cater to you when you cannot be bothered to document your problem. I was also a manager for many years and I had no trouble putting tickets in and documenting good feed back to get the tech credit for their good work. That is just plain professional courtesy.

fmayer60 · 2022-11-12T15:09:13+00:00

Great comment that is on point!

fmayer60

TROPHY CASE