Edmunds Members - Cars and Conversations (Archived)

jmonroe1

bwia said:

Speaking of cold weather activities, the Patriots will be playing in 20F weather today. I've never attended a game at less than 60 degrees so I am wondering how can the fans sit on a cold bench/chair for over four hours especially if their team is losing without being exposed to hypothermia or frost bite.

One suggestion, instead of selling beer perhaps they should consider selling hot chocolate or hot coffee. But then again, spilling hot chocolate on a fan might be too much of a risk in this litigious nation. Perhaps Canadians (who are usually more mild mannered) might be more conducive to a Hot Joe than a Molsen.

Back in the day when I was going to Steelers games during cold weather I used a high tech method for keeping my buns and feet warm. I took about and inch worth of newspaper with me and put half of it on the seat and the other half on the concrete under my feet. It worked pretty good too, not balmy-like but much better than trying to heat my seat with my buns.

As for hot chocolate, when my Father took me to Steelers games in cold weather back in the early and mid 50's when the Steelers played at Forbes Field, they sold hot chocolate via vendors that came by. The vendors actually lugged around a metal container that they started out with boiling water that contained small metal cans (around 8 ounces) of Hershey's Hot Chocolate. The cans were opened by the vendor with the old style can opener that punctured the can. The vendor then poured the hot chocolate into a cardboard cup (I told you this was a long time ago) and handed the cup to you and he put the empty can in the other side of his metal container. I remember a lot of the people asking for the empty can because it was still hot and they'd hold it to warm their hands. The heat from that empty metal can only lasted a few seconds in that cold weather but it felt so good while it lasted. Then one game I remember asking my Father to buy me two cans, one for each hand, but not having the vendor open it so that it would stay warmer a lot longer. Then when the can cooled off to where I could easily drink it without burning my mouth, I reached into my pocket and pulled out a can piercer that I brought from home and drank the hot chocolate right from the can. Believe it or not, I started a trend in our section and a lot of people started doing that. I always was ahead of the curve about stuff like that. By the time I took my Sons to Steelers games back in the mid 70's through the 80's, I had their mother make hot chocolate and we took a couple thermos bottles. I don't know why my Father never thought of that. Today the only drinks you can buy at games is beer and Cokes.

Times have changed but they make a lot more money that way and THAT is what going to games is all about today. I stay home for games now and even when it is cold outside I can have a Coke or a beer and even another one if I want to and still be able to afford gas for my cars.

Congratulations on the Patriots win yesterday. FWIW, I never thought they were dead like a lot of people were hoping/believing. Just because there are many people that don't like the Patriots doesn't mean that they are not good. Next week against the Chiefs should be a very good game. I'm not predicting anything other than it should be a good game. I haven't heard what the line is on that game, I'm just going to enjoy it. @houdini1 on the other hand has a more vested interest in that game.

jmonroe

jmonroe1

berri said:

That was a particularly clever quip

Yes it was, especially when you consider who said it. I'm beginning to think he has writers.

jmonroe

venture

stickguy said:

Venture, could be the amount, or being a personal check. But whatever it was flagged in their system as being outside of the norm, so gets extra attention. as long as they cashed it for you, shouldn't matter. I always would keep the checks until at least the next statement period anyway, though I have not been willing yet to set up a mobile banking app on my phone. so the rare check I get to deposit goes into the ATM.

You're probably right. It was either that it was a personal check or the amount. I doubt the amount though. What may seem like a fairly large amount to me is probably not much to them. They do have rules though, I guess.

I probably should have done a tiny personal check first as a test, but who knew?

This is going to take forever. Maybe I'll try a cashiers check next.

I just checked my local bank. They have not indicated that the check cleared, but it shows as being in my account at the credit union. And they wonder why...

explorerx4

When you take a picture of a check to deposit it, it becomes your responsibility to the keep it for record keeping purposes, not the banks.
Make sure you keep it.

stickguy

I don't see why the CU would care how big the wire transfer is. Seems easier to get one then have to keep getting them.

stickguy

the Pats have an advantage though, each year they start out getting a bye into winning their division! They pretty much start in the playoffs.

jmonroe1

stickguy said:

the Pats have an advantage though, each year they start out getting a bye into winning their division! They pretty much start in the playoffs.

All said and done they usually take advantage of those situations when they get there. More so than any other team.

jmonroe

houdini2

jmonroe1 said:

bwia said:

Speaking of cold weather activities, the Patriots will be playing in 20F weather today. I've never attended a game at less than 60 degrees so I am wondering how can the fans sit on a cold bench/chair for over four hours especially if their team is losing without being exposed to hypothermia or frost bite.

One suggestion, instead of selling beer perhaps they should consider selling hot chocolate or hot coffee. But then again, spilling hot chocolate on a fan might be too much of a risk in this litigious nation. Perhaps Canadians (who are usually more mild mannered) might be more conducive to a Hot Joe than a Molsen.

Back in the day when I was going to Steelers games during cold weather I used a high tech method for keeping my buns and feet warm. I took about and inch worth of newspaper with me and put half of it on the seat and the other half on the concrete under my feet. It worked pretty good too, not balmy-like but much better than trying to heat my seat with my buns.

As for hot chocolate, when my Father took me to Steelers games in cold weather back in the early and mid 50's when the Steelers played at Forbes Field, they sold hot chocolate via vendors that came by. The vendors actually lugged around a metal container that they started out with boiling water that contained small metal cans (around 8 ounces) of Hershey's Hot Chocolate. The cans were opened by the vendor with the old style can opener that punctured the can. The vendor then poured the hot chocolate into a cardboard cup (I told you this was a long time ago) and handed the cup to you and he put the empty can in the other side of his metal container. I remember a lot of the people asking for the empty can because it was still hot and they'd hold it to warm their hands. The heat from that empty metal can only lasted a few seconds in that cold weather but it felt so good while it lasted. Then one game I remember asking my Father to buy me two cans, one for each hand, but not having the vendor open it so that it would stay warmer a lot longer. Then when the can cooled off to where I could easily drink it without burning my mouth, I reached into my pocket and pulled out a can piercer that I brought from home and drank the hot chocolate right from the can. Believe it or not, I started a trend in our section and a lot of people started doing that. I always was ahead of the curve about stuff like that. By the time I took my Sons to Steelers games back in the mid 70's through the 80's, I had their mother make hot chocolate and we took a couple thermos bottles. I don't know why my Father never thought of that. Today the only drinks you can buy at games is beer and Cokes.

Times have changed but they make a lot more money that way and THAT is what going to games is all about today. I stay home for games now and even when it is cold outside I can have a Coke or a beer and even another one if I want to and still be able to afford gas for my cars.

Congratulations on the Patriots win yesterday. FWIW, I never thought they were dead like a lot of people were hoping/believing. Just because there are many people that don't like the Patriots doesn't mean that they are not good. Next week against the Chiefs should be a very good game. I'm not predicting anything other than it should be a good game. I haven't heard what the line is on that game, I'm just going to enjoy it. @houdini1 on the other hand has a more vested interest in that game.

jmonroe

jmonroe1 said:

bwia said:

Speaking of cold weather activities, the Patriots will be playing in 20F weather today. I've never attended a game at less than 60 degrees so I am wondering how can the fans sit on a cold bench/chair for over four hours especially if their team is losing without being exposed to hypothermia or frost bite.

One suggestion, instead of selling beer perhaps they should consider selling hot chocolate or hot coffee. But then again, spilling hot chocolate on a fan might be too much of a risk in this litigious nation. Perhaps Canadians (who are usually more mild mannered) might be more conducive to a Hot Joe than a Molsen.

Back in the day when I was going to Steelers games during cold weather I used a high tech method for keeping my buns and feet warm. I took about and inch worth of newspaper with me and put half of it on the seat and the other half on the concrete under my feet. It worked pretty good too, not balmy-like but much better than trying to heat my seat with my buns.

As for hot chocolate, when my Father took me to Steelers games in cold weather back in the early and mid 50's when the Steelers played at Forbes Field, they sold hot chocolate via vendors that came by. The vendors actually lugged around a metal container that they started out with boiling water that contained small metal cans (around 8 ounces) of Hershey's Hot Chocolate. The cans were opened by the vendor with the old style can opener that punctured the can. The vendor then poured the hot chocolate into a cardboard cup (I told you this was a long time ago) and handed the cup to you and he put the empty can in the other side of his metal container. I remember a lot of the people asking for the empty can because it was still hot and they'd hold it to warm their hands. The heat from that empty metal can only lasted a few seconds in that cold weather but it felt so good while it lasted. Then one game I remember asking my Father to buy me two cans, one for each hand, but not having the vendor open it so that it would stay warmer a lot longer. Then when the can cooled off to where I could easily drink it without burning my mouth, I reached into my pocket and pulled out a can piercer that I brought from home and drank the hot chocolate right from the can. Believe it or not, I started a trend in our section and a lot of people started doing that. I always was ahead of the curve about stuff like that. By the time I took my Sons to Steelers games back in the mid 70's through the 80's, I had their mother make hot chocolate and we took a couple thermos bottles. I don't know why my Father never thought of that. Today the only drinks you can buy at games is beer and Cokes.

Times have changed but they make a lot more money that way and THAT is what going to games is all about today. I stay home for games now and even when it is cold outside I can have a Coke or a beer and even another one if I want to and still be able to afford gas for my cars.

Congratulations on the Patriots win yesterday. FWIW, I never thought they were dead like a lot of people were hoping/believing. Just because there are many people that don't like the Patriots doesn't mean that they are not good. Next week against the Chiefs should be a very good game. I'm not predicting anything other than it should be a good game. I haven't heard what the line is on that game, I'm just going to enjoy it. @houdini1 on the other hand has a more vested interest in that game.

jmonroe

A passing interest (pardon the pun). I would like to see the Chiefs win, but when I turned 70 a few years ago I realized that my chance of becoming a pro in any sport had passed me by and my interest in professional sports began to wan.

I was rooting for the Eagles because I know Darren Sproles and his family on a personal level and think the world of them.

ab348

stickguy said:

the Pats have an advantage though, each year they start out getting a bye into winning their division! They pretty much start in the playoffs.

Well, they earn that advantage.

driver100

jmonroe1 said:

berri said:

That was a particularly clever quip

Yes it was, especially when you consider who said it. I'm beginning to think he has writers.

jmonroe

Jealous!

henryn

Moving money from your bank account to your credit union account should not be a big deal. I recently moved $35k from my bank account to my credit union, I walked in with the check and they took it, no questions asked. They did mention it would take a couple of days to clear, but I expected that.

Now you try doing that with cash instead of with a check with your name on the account -- Woah!

venture

henryn said:

Moving money from your bank account to your credit union account should not be a big deal. I recently moved $35k from my bank account to my credit union, I walked in with the check and they took it, no questions asked. They did mention it would take a couple of days to clear, but I expected that.

Now you try doing that with cash instead of with a check with your name on the account -- Woah!

I agree. It shouldn't be a big deal. My CU has no local branches.

oldfarmer50

PF_Flyer said:

Was at the 103rd PA Farm Show over the weekend and while there were some trucks on display...



...one of the more curious little details I saw was a one piece Michelin wheel/tire on a John Deere made out of some kind of plastic. Looks like they flat spot, not sure if that would round out when you start moving or not. But no tubes, no air to lose

That tractor wheel looks like a reinvention of some old tech.

imidazol97

I was going to respond threshing machines. But that would have dated me.



I remember riding on a tractor with wheels similar to this. No I wasn't driving it.

oldfarmer50

venture said:

There's a few financial guys here so...

I have decided to change from my local bank to my credit union. I have transferred money electronically to the limits my credit union allow.

I have deposited a few checks by using the credit union app. i.e., taking a picture of the front and back then destroying the check once it shows as being is in my account.

Today I wrote a check to myself and deposited it to the credit union since, with the limits they (or someone) has established it was taking too long. Although it did accept the check there was a notice this time that I would be receiving an email about the transaction. The way it was worded I could picture alarms going off and lights blinking at my credit union.

The email said to keep the check for 30 business days before destroying it and to record a "Session number" they gave me.

My question is - Why? What was so unique about this deposit? It was considerably higher than the other few checks I have deposited this way, but so what?

I don’t know how big your check was but I once deposited one in excess of $100k into my credit union account. Took it out as a cashiers check a few months later. No problems.

imidazol97

For those into history...

Here's a whole article on wheels. This picture is what's old is new again.

http://www.unusuallocomotion.com/pages/locomotion/the-wheel-reinvented.html

ab348

So, it turns out that the Cadillac CT6 isn’t dead after all and it will stay in the lineup:

https://www.autonews.com/manufacturing/cadillac-ct6-isnt-dead-us

Blaming communication problems? I’m not buying it. I think the division and the corporate bean counters got into a battle, and the division won. A good thing IMO, that has become a lovely car.

roadburner

The Michelin "Tweel" has been offered on JD ZTRs for a few years now.

explorerx4

Cadillac is totally lost. They have no clue what they are.
I think they came out with that story to deflect from the XT6 debut being a big thud.

Mr_Shiftright

Cadillac sales 2013 --- 182,000 and change
Cadillac sales 2018 -- 154, 700 (much of that in China).

tjc78

For [non-permissible content removed] and giggles what is Lincoln’s sales for the same time frame ? 

ab348

Lincoln sales 2013 81,694 (record low)
Lincoln sales 2018 103,587

Mr_Shiftright

2014 94,400

2018 103,590

Fewer sales but an upswing

Sandman6472

I have used the mobile app to deposit checks to the bank going on four years now and never have had an issue. I do keep the checks for awhile and it's been 100% accurate each time. I just hate going to the bank and have my Hertz check plus my pension and s s all go in automatically to their respective accounts. The only thing I won't do is authorize companies to withdraw my bills monthly from my account. Would rather write a check, use the credit card or authorize a phone payment so I'm left in charge. Don't want any company going in to my account no matter what. The only auto pay I might consider if we change phone plans and get to save some by auto billing/withdraw. We're still with AT&T now for just our wireless and they haven't offered it on our particular plan. I know Cricket does it and so does T-Mobile but again, we're still with AT&T but who knows for how long. We gave our internet and 2 land lines to our local cable company last month and are supposed to save some and get 4 times quicker internet speed. Was definitely worth it to do it even though they screwed part of it up and are giving us a free month to compensate for their screw up.
I just wanted to lower our infotainment bills a bit which I did. Now to get the girls to get their own wireless so the wife and I can get a senior unlimited plan. I keep mentioning it to my pharmacist kid to see what plans her hospital has but so far, she's playing dumb with me. Considering what she makes as a pharmacist, she should really pay our wireless bill!!

Sandman6472

Is a credit union better than a real bank? We've never joined one up to now and don't see the need to do it. But if there are some benefits to doing it, please tell me. Am down to using just two banks now as I like the added security one of them gives us since our disaster at Chase a few years back. They couldn't protect my money after 4 successful withdrawls from to parts of the state a few months apart. The manager at my branch finally said they couldn't protect my cash anymore and to find a bank that could! Wow! Sad because if the tellers had just done their jobs and looked at my signature card, they would've seen the signatures were in no way the same, and the wrong name was used all four times.

tjc78

So at least Lincoln is in the right direction.  Two new SUVs should only help things.  

explorerx4

Looking at past Cadillac/Lincoln sales is the wrong perspective.
Cadillac has sucked a lot of capital out of GM for well over a decade.
Ford is following, but why do you think GM went to quarterly sales reporting?
Most Cadillac's sell in the hundreds per month.
Not saying they are bad vehicles.
XT6 is a modified Equinox. Aviator is a ground up new design.

stickguy

I did like the Lincoln SUVs when we stopped there when doing recon. Drove the little one (MKC? the Escape based one) and was surprised at how nice it was. Saw a Nautilus (edge sized new one) and that was really styling too.

driver100

ab348 said:

So, it turns out that the Cadillac CT6 isn’t dead after all and it will stay in the lineup:


Blaming communication problems? I’m not buying it. I think the division and the corporate bean counters got into a battle, and the division won. A good thing IMO, that has become a lovely car.

That CT6 is a beautiful car......even has large windows. There seems to be mixed messages, one said some models will continue into 2020, and there seems to be some bargaining to get concessions from the unions...we will keep building this model if you give up something too.......

driver100

Mr_Shiftright said:

Cadillac sales 2013 --- 182,000 and change
Cadillac sales 2018 -- 154, 700 (much of that in China).

.......and the article ab linked said sales were down 8% this year and under 100k in the US.
The only reason to continue is because GM does sell Caddies in China, and it is prestigious for GM to have a luxury car in the market.

driver100

Mr_Shiftright said:

2014 94,400

2018 103,590

Fewer sales but an upswing

An upswing and probably more profitable since they can use parts from other cars in the lineup.
Just me, but, I think Ford did a smart thing with Lincoln.....they aren't going to compete by making a true luxury car, so they fancy up a regular car and put a prestigious name on it...and can sell it for a lower price than the competition.

The Aviator is a different animal. Yes, it is a completely new model, but, Ford could make the Aviator the F-250 of SUVs, and SUVs are hot, and Ford is successful at making trucks.

andres3

snakeweasel said:

driver100 said:

imidazol97
We were overrun with the white death major snow here as the first full snow of the season came

Imid...you have your problems....we got ours....another one did a header into a swimming pool this week!
(is that a Cobalt?)

I guess they can honestly claim that there is no flood damage since technically that car is not in a flood.

Knowing insurance companies, they'll claim the fall broke the car before the water did if you did have flood coverage.

suydam

@Sandman6472, the main difference between credit unions and banks is that credit unions are non-profit (you become a member) vs. for-profit. Credit unions don’t have stockholders but exist for the members. So their fees are lower (especially for mortgages and car loans) and their savings rates are higher than most banks. Disadvantages are that they are regional, and so their credit cards and ATMs aren’t always as widely available. This doesn’t matter to me because I don’t use bank credit cards from my own bank anyway. They also have free services like a notary and sometimes those machines that sort change for you.

oldfarmer50

Sandman6472 said:

Is a credit union better than a real bank? We've never joined one up to now and don't see the need to do it. But if there are some benefits to doing it, please tell me. Am down to using just two banks now as I like the added security one of them gives us since our disaster at Chase a few years back. They couldn't protect my money after 4 successful withdrawls from to parts of the state a few months apart. The manager at my branch finally said they couldn't protect my cash anymore and to find a bank that could! Wow! Sad because if the tellers had just done their jobs and looked at my signature card, they would've seen the signatures were in no way the same, and the wrong name was used all four times.

From my experience a credit union has fewer/lower fees and loans money out at slightly lower rates. I use to keep my money in a regional sized savings bank but they chased me away with fees. For simple things like checking accounts or car loans they’re superior IMO.

oldfarmer50

explorerx4 said:

Looking at past Cadillac/Lincoln sales is the wrong perspective.
Cadillac has sucked a lot of capital out of GM for well over a decade.
Ford is following, but why do you think GM went to quarterly sales reporting?
Most Cadillac's sell in the hundreds per month.
Not saying they are bad vehicles.
XT6 is a modified Equinox. Aviator is a ground up new design.

I drove a Ford Edge today and was very impressed. Who needs a Lincoln or a Caddy?

venture

oldfarmer50 said:

venture said:

There's a few financial guys here so...

I have decided to change from my local bank to my credit union. I have transferred money electronically to the limits my credit union allow.

I have deposited a few checks by using the credit union app. i.e., taking a picture of the front and back then destroying the check once it shows as being is in my account.

Today I wrote a check to myself and deposited it to the credit union since, with the limits they (or someone) has established it was taking too long. Although it did accept the check there was a notice this time that I would be receiving an email about the transaction. The way it was worded I could picture alarms going off and lights blinking at my credit union.

The email said to keep the check for 30 business days before destroying it and to record a "Session number" they gave me.

My question is - Why? What was so unique about this deposit? It was considerably higher than the other few checks I have deposited this way, but so what?

I don’t know how big your check was but I once deposited one in excess of $100k into my credit union account. Took it out as a cashiers check a few months later. No problems.

It wasn't near 100k.

I don't think I would have much trouble getting money out (who knows?), but I'm sure having trouble putting money in.

I'm going to call today and ask what's going on.

venture

suydam said:

@Sandman6472, the main difference between credit unions and banks is that credit unions are non-profit (you become a member) vs. for-profit. Credit unions don’t have stockholders but exist for the members. So their fees are lower (especially for mortgages and car loans) and their savings rates are higher than most banks. Disadvantages are that they are regional, and so their credit cards and ATMs aren’t always as widely available. This doesn’t matter to me because I don’t use bank credit cards from my own bank anyway. They also have free services like a notary and sometimes those machines that sort change for you.

My credit union also gives money (what would be profit at a bank) back to the members every year. I don't know the formula, but the more you have in deposits, the more you get. I assume they are all that way.

oldfarmer50

driver100 said:

Mr_Shiftright said:

2014 94,400

2018 103,590

Fewer sales but an upswing

An upswing and probably more profitable since they can use parts from other cars in the lineup.
Just me, but, I think Ford did a smart thing with Lincoln.....they aren't going to compete by making a true luxury car, so they fancy up a regular car and put a prestigious name on it...and can sell it for a lower price than the competition.

The Aviator is a different animal. Yes, it is a completely new model, but, Ford could make the Aviator the F-250 of SUVs, and SUVs are hot, and Ford is successful at making trucks.

Don’t all car companies that have a lux brand use parts from their less expensive models?

stickguy

Yes they do pretty much.

oldfarmer50

venture said:

oldfarmer50 said:

venture said:

There's a few financial guys here so...

I have decided to change from my local bank to my credit union. I have transferred money electronically to the limits my credit union allow.

I have deposited a few checks by using the credit union app. i.e., taking a picture of the front and back then destroying the check once it shows as being is in my account.

Today I wrote a check to myself and deposited it to the credit union since, with the limits they (or someone) has established it was taking too long. Although it did accept the check there was a notice this time that I would be receiving an email about the transaction. The way it was worded I could picture alarms going off and lights blinking at my credit union.

The email said to keep the check for 30 business days before destroying it and to record a "Session number" they gave me.

My question is - Why? What was so unique about this deposit? It was considerably higher than the other few checks I have deposited this way, but so what?

I don’t know how big your check was but I once deposited one in excess of $100k into my credit union account. Took it out as a cashiers check a few months later. No problems.

It wasn't near 100k.

I don't think I would have much trouble getting money out (who knows?), but I'm sure having trouble putting money in.

I'm going to call today and ask what's going on.

Just don’t ask for it in cash. I once tried to get about $7,000 in cash out of my CU and you would have thought I was trying to rob the place. They actually told me that they didn’t have that much.

I can’t imagine what would happen if you wanted over $10k from ANY bank these days. There would probably be agents from at least three different government agencies wait for you.

oldfarmer50

It’s amazing How you can have a 460hp car and still be made to feel inadequate in an instant.

https://youtu.be/wecVzPzf8R4

driver100

oldfarmer50 said:

driver100 said:

Mr_Shiftright said:

2014 94,400

2018 103,590

Fewer sales but an upswing

An upswing and probably more profitable since they can use parts from other cars in the lineup.
Just me, but, I think Ford did a smart thing with Lincoln.....they aren't going to compete by making a true luxury car, so they fancy up a regular car and put a prestigious name on it...and can sell it for a lower price than the competition.

The Aviator is a different animal. Yes, it is a completely new model, but, Ford could make the Aviator the F-250 of SUVs, and SUVs are hot, and Ford is successful at making trucks.

Don’t all car companies that have a lux brand use parts from their less expensive models?

Not sure if Cadillac shares parts with other GM cars.????

stickguy

Yes theyvdotherecwasvplatfirm sharing. I think the XT4 is based on. Equinox, and the FWD sedan was a glorified impala or lacrosse. Plus of course, the Escalade is just a Tahoe.

qbrozen

oldfarmer50 said:

It’s amazing How you can have a 460hp car and still be made to feel inadequate in an instant.

https://youtu.be/wecVzPzf8R4

looks great, sounds even better. But... flappy paddles and a rotary knob selector? Just doesn't feel right for a Stang.

Michaell

oldfarmer50 said:

venture said:

oldfarmer50 said:

venture said:

There's a few financial guys here so...

I have decided to change from my local bank to my credit union. I have transferred money electronically to the limits my credit union allow.

I have deposited a few checks by using the credit union app. i.e., taking a picture of the front and back then destroying the check once it shows as being is in my account.

Today I wrote a check to myself and deposited it to the credit union since, with the limits they (or someone) has established it was taking too long. Although it did accept the check there was a notice this time that I would be receiving an email about the transaction. The way it was worded I could picture alarms going off and lights blinking at my credit union.

The email said to keep the check for 30 business days before destroying it and to record a "Session number" they gave me.

My question is - Why? What was so unique about this deposit? It was considerably higher than the other few checks I have deposited this way, but so what?

I don’t know how big your check was but I once deposited one in excess of $100k into my credit union account. Took it out as a cashiers check a few months later. No problems.

It wasn't near 100k.

I don't think I would have much trouble getting money out (who knows?), but I'm sure having trouble putting money in.

I'm going to call today and ask what's going on.

Just don’t ask for it in cash. I once tried to get about $7,000 in cash out of my CU and you would have thought I was trying to rob the place. They actually told me that they didn’t have that much.

I can’t imagine what would happen if you wanted over $10k from ANY bank these days. There would probably be agents from at least three different government agencies wait for you.

In our previous house, we had my son and his friend do some reno work for us. Paid them in cash. We bank with a large company and had the same issue with making a large cash withdrawal. Told me I was lucky that it was a Friday, else they may not have had the cash on hand.

tjc78

oldfarmer50 said:

Sandman6472 said:

Is a credit union better than a real bank? We've never joined one up to now and don't see the need to do it. But if there are some benefits to doing it, please tell me. Am down to using just two banks now as I like the added security one of them gives us since our disaster at Chase a few years back. They couldn't protect my money after 4 successful withdrawls from to parts of the state a few months apart. The manager at my branch finally said they couldn't protect my cash anymore and to find a bank that could! Wow! Sad because if the tellers had just done their jobs and looked at my signature card, they would've seen the signatures were in no way the same, and the wrong name was used all four times.

From my experience a credit union has fewer/lower fees and loans money out at slightly lower rates. I use to keep my money in a regional sized savings bank but they chased me away with fees. For simple things like checking accounts or car loans they’re superior IMO.

The “big” bank I use doesn’t charge me fees for anything except for using an ATM that isn’t theirs. I have several accounts and my mortgage/HELOC with them. It is nice to have everything under one login and easily transfer funds

suydam

Many banks will waive fees if you have your mortgage through them. I don’t pay any fees at either my bank or my credit union.

Mr_Shiftright

They do, but the smart companies make sure you never see them. If you put a flimsy directional stalk on a $75K car, you're just asking to be pummeled by the automotive press.

Mr_Shiftright

oldfarmer50 said:

It’s amazing How you can have a 460hp car and still be made to feel inadequate in an instant.

https://youtu.be/wecVzPzf8R4

But that's the whole point of advertising....to make you feel perpetually dissatisfied with what you have, or who you are.

stickguy

That car needs a stick.