Posted on 08/07/2010 1:00:36 PM PDT by nina0113
We moved to a small local bank awhile ago. They’re open on Saturday. The LOBBY is open.:-) Rare nowadays. We still have a BoA account but just keep enough in it to keep it open.
Credit Unions (good ones) are the way to go, especially private ones. They are more stable, less likely to get sucked into bad investments (ie sub prime mortgages) and are often paying higher rates than banks for savings and such.
We have 80 acres of wood. Just have to cut some. They’re trying to outlaw it in some states. So far my state just outlawed burning barrels. Farmers ignore it. lol
If stored with a hydrophilic agent like silica gel, they are!
It might be worth having a local bank (preferrably one with multiple branches, if you travel).
I would also have funds in more than one bank, if possible and depending on ones individual situation.
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Several years ago, I tried to use a debit card on a national bank. The store computer system refused it. It tried a local bank debit card, and the store computer accepted it.
I tried that national debit card in another store, just across the state line, and the store there accepted it.
Not all stores, ATMs, etc., accept all cards.
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I agree that one should keep cash on hand. The current economic climate has too much uncertainty.
And, banking system computers do go down sometimes.
We’re going to burn off at least some of the mountain of brush I’ve accumulated from this summer’s yardwork tonight. Finally, it’s neither too hot to enjoy a bonfire nor too dry to be safe lighting one.
I did that too, and I wouldn't trade it for anything. They're open Saturdays, and they couldn't be more helpful. A small local bank is the only way to go.
It’s been too dry here. Our volunteer FD does burns but we haven’t gathered all the brush in a pile yet. They use it for training. I get rid of my brush safely and they get to train new guys.
If your credit union is part of the national network of CUs, you can make withdrawals and deposits anywhere in the country.
The nearest small bank got gobbled by a bigger bank so we had to go to the next town but it was worth it.
Bug-out money. Enough to get out of town in an emergency. However much you think it’ll take. Don’t forget small bills and singles. People won’t always have change for a twenty.
“Do you really think BoA employees can tell the difference?”
Hell, it was probably an inside job.
How much cash, under the mattress are we talking about? Is there a formula? I have canned food that I keep adding to, and several envelopes of 20s that I also keep filling. But how much is the factor I keep asking myself.
“What would happen to YOU if you suddenly couldn’t access your bank account? “
Nothing for at least 6 months!
Is there any credit unions where you live? They know how to give you customer service!
Really? You’ve got six months of gas for your vehicle? We wouldn’t have gone hungry if I couldn’t have gotten to my bank account, but the cats would have been eating the human tuna instead of regular cat food. I’ll be stockpiling more of THAT too.
>>They said federal law requires it.<<
I always reply, “May I see the law?” After stumbling around like a fool, it generally comes out that it’s a corporate regulation for customers.
>We’re going to burn off at least some of the mountain of brush I’ve accumulated from this summer’s yardwork tonight. Finally, it’s neither too hot to enjoy a bonfire nor too dry to be safe lighting one.<
Throw a tarp over it to keep it dry and during the next rainstorm, that’s when to light it. No chance of flying ashes setting a nearby field on fire.
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