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Reply #36: A SAD STORY - The Powers that Be that offer these things to us [View All]

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truedelphi Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Sep-04-09 02:44 PM
Response to Reply #8
36. A SAD STORY - The Powers that Be that offer these things to us
Edited on Fri Sep-04-09 02:45 PM by truedelphi
Keep saying that these things are the same as cash transactions. They are not!

Case in point: After one of the worst economic years of my life, M. and I realized we had 75 bucks on our debit card with which to have Thanksgiving. Since we weren't able due to illness to celebrate the holidays the year before, we were jubilant. Turkey with the trimmings, ice cream and pumpkin pie. And enough, surely, to have a friend come to dinner.

Then we stopped and bought twelve dollars worth of gas with the debit card. This triggered, without any warning, a fifty dollar "HOLD" on our funds. So we now had $ 75 minus twelve, minus fifty on our debit card.

My solution NOW is to cash all checks at the local Paycheck cashing service. And keep the cash in my sock drawer. I know how much money I have, and as yet the government hasn't figured out a way to let any of the Powers that Be put a hold on cash. At the check cashing place I pay three per cent, but I don't have to worry that I have some invisible entity "HOLDING" on to more of my money.

Also imagine if I had written several small checks before stopping for gas. The HOLD would have made my account a negative account, and the twelve spent at the gas station might have then ended up incurring several $ 23 insufficient check fees!

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