Cliffs - NAACP and others claim that banks don't have enough branches for minority areas, meanwhile white areas have more than enough.
NEWS FLASH - banks care about ONE color........green. Even in the article it states that the one area of Dallas that has a ton of banks has an average household income of 200,000 dollars (and was 98% white) and the other part of town which was mostly black has an average household income of 17,000 bucks. Now why would anything think that the race of the people in the respective areas has anything to do with anything? There is money in one area and none in the other, so get over it.
I swear, anything to whine and pull the race card.
Thats true, Obamas old hood back in Chicago has blacks living there and I bet there is no shortage of local banks. That comparison would be like having a surf shop or deep sea fishing outfitter in Missouri or a snow mobile shop in the Bahamas.
Well that is one of the things they were bitching about, saying that most people in the poor areas use check cashing places that charge fees. Well no shit? Go figure, a business tries to make money! What a concept.
Banks are in business to make money. They won't make money by cashing small paychecks and supporting a few savings accounts with less than 1,000 bucks in them. Plus look at the crime rates in the areas people are crying about, why would a bank put a branch in an area that not only won't make them money, but has a higher chance at being robbed/vandalized/etc?
Awaits typical liberal nonsense from the dynamic duo.......
Jason
Black 04 SRT-4
mopar BOV, Shortshifter, Progress springs, s1 ecu, agp wga, MaxxFab 3" o2 and Side Exit Exhaust w/no cat, AIS BFMIC and LFS 60mm tb,Dasmopar mapclamp, Injen SRI, 17"Motegi LC5's, PTP STG 3 Clutch
Best et 12.9 no traction
Best mph 113
270/330
seriously, ever been in an intercity bank? It's un-nerving! Guards, controlled entrance, nervous tellers, bullet proof glass...etc
__________________
Quote: Originally Posted by Anti-American Socialists
Now regarding me personally on the Fascist/ Socialist/ Communist spectrum, I am socialist. - SRT-4owns
There is no definition for terrorist. Because if there was, the United States could be in that group! -I8URVR6 - "Patriotic Terrorist!"
There shouldn't be extra fees. Why are there extra fees for those inner-city banks anyway?
This isn't a race issue; it's a class issue. The banks could do microloans, which have worked WONDERS in third world countries, in poor neighborhoods. They also shouldn't be praying on the poor like that. I'm not saying the banks should just give money away, but they need to be fair and not charge ridiculous interest rates and fees.
Hell, I just heard the other day that banks made 38 BILLION dollars on overdraft fees ALONE!! That is just absurd. I hope a new bank bill passes eventually that says banks can't charge such high fees on overdrafting and that they have to apply the order of the transactions CORRECTLY so that the fee is only applied once instead of twice (they LOVE to do this). They also need to be responsible for giving an accurate representation of your balance 24/7. No more inaccuracies to trick people into thinking they have more money in their account than they actually do.
This isn't a problem for me anymore now that I make a lot more money than I used to, but it used to be a HUGE pain the ass. I talked about this a couple months ago and showed that the interest rate equivalent is in the THOUSANDS for these overdraft fees.
I work in downtown baltimore. I work in the NICE part of downtown. The Tourist part. I am in between 2 banks. BoA and 1st Mariner. They have both been robbed by minorities in the last 6 months. I wouldn't want a bank in an area like that.
They should quit bitching. Go get a prepaid WalMart visa and stfu.
__________________
Quote: Originally Posted by o5socalsrt
Good thing you put what intake manifold gasket your using on your mod list... If that wasn't there I would think that your slow......
O.T. - Only Ten(Number of people allowed to post in the off topic section)
There shouldn't be extra fees. Why are there extra fees for those inner-city banks anyway? Read you douche. He said Check Cashing places charge fees. They are not banks.
This isn't a race issue; it's a class issue. The banks could do microloans, which have worked WONDERS in third world countries, in poor neighborhoods. They also shouldn't be praying on the poor like that. I'm not saying the banks should just give money away, but they need to be fair and not charge ridiculous interest rates and fees. They should get no different treatment than I do.
Hell, I just heard the other day that banks made 38 BILLION dollars on overdraft fees ALONE!! That is just absurd. I hope a new bank bill passes eventually that says banks can't charge such high fees on overdrafting and that they have to apply the order of the transactions CORRECTLY so that the fee is only applied once instead of twice (they LOVE to do this). They also need to be responsible for giving an accurate representation of your balance 24/7. No more inaccuracies to trick people into thinking they have more money in their account than they actually do. Idiots who cannot keep accurate accounting of their money should not have bank accounts. That should be the new bill. I agree that the overdraft fees should be lowered though, and daily charges for negative balances should be illegal.
This isn't a problem for me anymore now that I make a lot more money than I used to, but it used to be a HUGE pain the ass. I talked about this a couple months ago and showed that the interest rate equivalent is in the THOUSANDS for these overdraft fees.
Mark this day down. I agreed with king douche on a very small item.
There shouldn't be extra fees. Why are there extra fees for those inner-city banks anyway?
What? I wasn't talking about that part, I was talking about the people who are bitching that banks don't put branches in minority areas.
Quote: Originally Posted by SRT-4owns
This isn't a race issue; it's a class issue. The banks could do microloans, which have worked WONDERS in third world countries, in poor neighborhoods. They also shouldn't be praying on the poor like that. I'm not saying the banks should just give money away, but they need to be fair and not charge ridiculous interest rates and fees.
I agree with you on the race vs class issue, it certainly has to do with money and not race.
As for retarded fees, that is up to the banks to decide. Don't like the fees? Don't use their services, too easy. Hell, I got ass raped on my first car since I had no credit, which apparently is worse than having bad credit. I didn't stomp and cry about it, that is the way it was and I dealt with it.
Quote: Originally Posted by SRT-4owns
Hell, I just heard the other day that banks made 38 BILLION dollars on overdraft fees ALONE!! That is just absurd. I hope a new bank bill passes eventually that says banks can't charge such high fees on overdrafting and that they have to apply the order of the transactions CORRECTLY so that the fee is only applied once instead of twice (they LOVE to do this). They also need to be responsible for giving an accurate representation of your balance 24/7. No more inaccuracies to trick people into thinking they have more money in their account than they actually do.
People need to learn how to use a fucking checkbook, bottom line. I am no fan of overdraft fees, but I also know what if I do it, it's my own damn fault. It is my job to keep track of my money. You talk as if banks are telling people that they have 10,000 bucks in their checking accounts when they really only have 100 dollars. That isn't the case at all. People don't pay attention to their money and if they check their balance, they need to ensure that any purchases they made in the past three days or so have already cleared before they go out and spend more. Problem is, people often run their debit cards as credit, which takes longer to clear, especially when they know their pay is going to hit in the next few days, hoping that their check clears before the money from the purchase is taken out. This doesn't happen and they get nailed with fees. 110% their fault. Use a traditional checkbook and keep track of your money and understand that sometimes things take a day or two to clear.
The government has ZERO business telling banks that they can't charge fees like this, that is just another form of socialism and a bad idea at that. The government shouldn't pass laws against free business just because people are stupid or lazy.
Quote: Originally Posted by SRT-4owns
This isn't a problem for me anymore now that I make a lot more money than I used to, but it used to be a HUGE pain the ass. I talked about this a couple months ago and showed that the interest rate equivalent is in the THOUSANDS for these overdraft fees.
Already addressed this, although I must say, I expected that a smart college boy like you would know how to manage money and balance a check book. Guess you suck at consumer math.
Hell, I just heard the other day that banks made 38 BILLION dollars on overdraft fees ALONE!! That is just absurd. I hope a new bank bill passes eventually that says banks can't charge such high fees on overdrafting and that they have to apply the order of the transactions CORRECTLY so that the fee is only applied once instead of twice (they LOVE to do this). the interest rate equivalent is in the THOUSANDS for these overdraft fees.
There you go again, we dont need another damn bill. We need personal responsibility. If you never want to pay another overdraft fee its real easy, (DONT OVERDRAFT) and problem is solved. I have been at the same bank for the last 20+ years and I have had one overdraft fee. It was about 19 years ago and it pissed me off so I didnt do it anymore. I didnt need government to hold my hand and help me figure it out either.
After being in retail banking for 12 years, it's pretty simple: be ACCOUNTABLE for your accounts. Know how much money is in your account before you write a check or use your debit card. There is NO excuse. You deserve OD fees if you overdraw your account. If you cannot abide by bank rules, do NOT have a bank account and hide your money in your house and/or carry lots of cash in your car or wallet so you can be an easier target for the "bad" guys.
If you threaten to close your account and go to another bank, please do. You'll have the same problems there if you can't keep track of you pathetic checking account.
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Fewer banks in minority areas....
no traction
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