Beware of overdraft protection on debit card though

• which is worse. - Money problems.
  • If it is like my bank they will cover you up to $500 -sm -
  • From what I recall from my banking days - - missy
  • Used to work in a bank, under some circumstances... - mttor
  • no, nobody knows but the bank, they will cover checks you wrote - then charge overdraft fee - no message
  • what I would do - sm
  • Overdraft Protection - LinK
    • Beware of overdraft protection on debit card though - bad news
      • An idea:-) - ILMT
        • that same thing happend to me - Margaret
        • Overdraft and Debit Cards - LinK
          • 1. Escalate the problem to a supervisor. 2. Write a letter. - Keep asking until they waive the fees. (nm) mtst
            • That's right sm - Margaret

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My pay is deposited right on the card.  I can also load the card, but it costs $3.50. Its called Real Money.  There is a $5.95 month fee though. To take money out of an ATM costs $1.50 plus whatever the ATM charges.  It also has a bill payer with a lot of merchants already programmed in so you can pay bills online.  The only problem I have with it is that they'll put holds on funds and give the merchant 15 days to claim it before releasing it like if something gets charged twice for instance. One time I tried to buy a money order at the Wal-Mart money order machine and it never gave me my money order but had charged my card. It was for over $200 and they were going to hold it for 30 days! I had to have Wal-Mart fax a release to them. That was a pain.    You have to be careful with some of this prepaid debit cards and read the fine print because some of them have a lot of hidden fees.

Part of article:

Credit cards have long been a very good deal for people who pay their bills on time and in full. Even as card companies imposed punitive fees and penalties on those late with their payments, the best customers racked up cash-back rewards, frequent-flier miles and other perks in recent years.

Now Congress is moving to limit the penalties on riskier borrowers, who have become a prime source of billions of dollars in fee revenue for the industry. And to make up for lost income, the card companies are going after those people with sterling credit.

We pay off our balance every month. If they do this (punish those who have sterling credit) Ridiculous!! I'll stop using my CC and pay by cash or check.

So much for reform.

I have tried twice to tell this story but deleted it both times because the story is just too long so I will be as short as I can. 

I have a bunch of ROTTEN TO THE CORE sisters.  My sisters are just about the worst people I have ever met in my whole 43 years on this planet.  There is one who is especially bad and I just told my other sister that if she ever dies, to please not call me as I won't come to any wake or funeral for her because I HATE her guts.  I come from a very large family with 5 sisters and 1 brother with my brother being the oldest.  He is not involved.  He sort of "left" the family years ago because he couldn't take the bulls**t of my sisters anymore.  They did terrible things to him after his divorce.  We rarely see him now.  I am considered a scumbag and a loser because my husband and I don't make a lot of money.  We don't own a home.  We don't have gorgeous cars.  We can't give our 3 children everything they want and we can only give them small amounts of what they actually need, but we do try.  We love our children with everything in our souls.  They have made fun of me and my husband and insulted us to our faces.  My husband and I have a difficult marriage as he is tough to get along with so they hate my husband's guts.  My sisters have all gone out to dinner without inviting me.  I have found out because of someone's slip of the tongue.  They have made threats and sent rumors flying throughout the family, without me knowing, about calling DCYF on me.  I heard that one too from a slip of the tongue.  I cried for 2 hours in the shower that day.  They talk about everyone and I mean everyone badly.  They have a well known reputation in a couple of our towns here for being mean horrible girls.  They are about as fake and phony as a person can get.  Sweet and all smiles to your face and when you turn around, they stick that knife in as far as they can get it in.  They have what they have in their lives because of what someone has given them.  My sister had her property given to her by her in-laws.  It is worth about $1,000,000.  My other sister had land given to her by her husband's family so they could build their house and then his parents used to come over with BIG fat checks "to lessen their mortage burden" so now they owe almost nothing on their $500,000 house.  They think they are fabulous people.  They think they are the cat's meow.  In the past years when we were all talking and I would be invited to a holiday, I was not spoken to at all the whole time I was there.  I am a venter and I always have been so if my husband and I are fighting, I will always go to my older sister (one up from me) and vent and vent until I can't talk anymore because I just get so angry.  She gets on the phone the second I leave and tells every person in my family what is going on.  They in turn judge me and my husband, make their threats, and so on.  This is also happening to my oldest sister and her partner (she is in a gay relationship but was always dating a man and was married twice) and my sister's daughter and her family.  The three of us, me, my sister and her partner, and my sister's daughter and her family, talk.  We get along well.  We are happy with each other.  We don't judge each other.  Whatever happens in each other lives, we just accept it and don't judge each other because we realize that each other has their own life and they will deal with whatever comes on their own with their own family in their own way.  I now attend holidays at my sister's daughter's home.  I don't leave her house after a holiday feeling lonely or sad or angry because no one would speak to me.  I don't feel judged.  The sisters (I like to call them the Witches of Eastwick) all attend holidays with each other up at my sister's husband's family's cabin in the mountains.  The three of us are not invited.  My older sister has a son.  Several yeas ago, my sister and her partner had a terrible fight with him.  He went to the witches and told them a bunch of lies and now they have pretty much shunned her and her daughter and me too because we still talk to her.  I have a sister, who is involved in all of this, that I speak to on a regular basis.  She is close to my kids or at least my oldest son.  She pretty much ignores my other two children and they tell me, It's alright mommy, we know Aunty Becky hates us."  She is the one who has spread rumors about me in the family trying to get everyone to call DCYF on me.  I heard this too by a slip of the tongue from another sister a few years back.  I tend to be a forgiving person so I quietly forgave her for this without her ever knowing that I knew what she was trying to do.  Now that they are all inviited to the holidays up to my sister's cabin up north, this rotten sister of mine (the one closest to my son) has 3 cats that are fed twice a day.  They are extremely fat just like her.  These holiday trips up north are usually kept quiet and I only know about it the day before they are leaving to go, which is when she inevitably asks me to come feed her f******g cats.  This is how I know that a big party is going on up at the cabin and once again only the chosen selected few are going.   This is usually for 3 or 4 days and they get fed twice a day so I have to go to her house twice a day.  Sometimes I have to give them medication and the last time she asked me, I even had to soak her sick cat's feet in medicine.  She lives about 20 minutes away from me.  This girl would NEVER, NEVER, EVER do this for me.   My husband and I took our children on a cruise 3 years ago and we have a cat and I never asked her to do this for me as I know she would have laughed in my face.  I have been feeding her cats for years now when she goes away.  Keep in mind though that she was in the select chosen few to be invited up to the cabin.  I was not as I am considered trash in the family.  I am SICK AND TIRED of feeding this girl's cats so SHE can go up north to have fun with the family on the holidays.  My sister who invites everyone to go is a mean, horrible, sadistic, vicious, backstabbing wretched b***h.  No one will say anything to her like, "Gee Pat, where is everyone else?  Didn't you invite this one, and this one, and this one?"  They could care less.  All they know is that THEY were invited. 

Anyway, I am sorry this is so long.  I can't take my sisters anymore.  I have been thinking of this all day all weekend long.  I am really to the point where I just don't want to see them ever again.  I am going to tell my fat a** b***h sister to fnd another way to get her cats fed because I'm not doing it anymore!!  She is just using me and believe me when I tell you, she enjoys it.  She is very diabolical.  She loves it that I am not invited and she and her husband are.  She even questions me and counts the cat food cans to make sure that I came on all of the days they were gone.  These people have balls of brass and I have had ENOUGH.  I am just sitting and waiting patiently for the next time she says, "Oh, we're going up north for a few days.  Can you come and feed the cats?"  I just can't wait to see the look on her face when I simply say, "No.  I can't.  I will never feed your cats again!  Find some other sucker to do it!"

I believe that they are severely narcissistic people and this is nothing to take lightly. These types of people are very destructive.  Do any of you have family members like this and what do you do about them?  How do you stop them from making you feel sad, lonely, excluded and less than you are or deserve?  I think it is time for me to cut all ties with them.  I just can't take their crap anymore and I do think I would be much, much happier and calmer. 

while I was scooping the back so thought I'd try to get a couple of pics for DH, who is gone for the next 10 days for work.  He's a labradoodle that we got last summer at 4 months old and before anyone jumps in here and says they're overpriced mutts (which they are ) we got him from a shelter in another city.  All of the dogs I have had have been from shelters and would never pay hundreds or thousands when there are so many dogs that need homes.  We saw a brown one last summer that DH fell in love with, so I did some searching and this shelter had several.  The others had been picked up as strays, a couple of older dogs and several puppies, which I guess all but a couple died from parvo.  Jake was turned in by a family who thought he was too energetic for their 2-year-old.  He had kennel cough, we discovered, when we got him home and was sick for a few weeks, but not too bad a case, had some snotty nose and coughing, was really worried about pneumonia, but the vet said to go ahead and give him the vaccine and sometimes that helps them get over it a little easier.  He's got a nice combination of lab and poodle coat, needs to be raked once a week or so, but he doesn't shed.  He's a little pill for sure but I think is going to be a great dog with a little more work.  He's still pretty ~boisterous~ you might say on walks.  I'm a Dog Whisperer fan, just love that show and Cesar Millan, so we ordered the collar that he uses on that show, and it really is making a huge difference.  Also, I was really impressed when we got it.  How many things do you find these days that are made in the US?  His packaging on the collar had ~~we proudly support our country, made in the USA~~!!  Even more of a fan now!

I have been checking out boxer rescues and if we can afford a home of our own, hopefully next year sometime, I'd like to get a pal for him.  I'm actually a big boxer fan from way back, have a pic mom took of me as a baby in diapers sitting in the middle of a litter of boxer puppies with them crawling all over me!  a wonder any of us grew up, huh , with all the things we came in contact with like that, she'd probalby get hauled away for child abuse these days.  Dad found the mamma boxer wandering the country roads one hot summer day when he was hail adjusting.  She was struggling, pregnant, really hot and thirsty, so he brought her home, no one ever claimed her, so Duchess became a part of our family.  I had a boxer some years ago that I adopted from a puppy mill raid, where I helped take care of some of the dogs that were rescued, 200 and some of all varieties and ages, mostly all sick, filthy, malnourished, etc. in the the middle of January, below zero, snow, and a lot of them kept outside with no shelter, was a horrible mess, but people in that town really stepped up to the plate, donated all kinds of food, leashes, collars, bedding, vets donated their services, and all but a few of the dogs (too sick and had to be put down) were adopted.  Duke was a very sick pup at first and didn't know if he'd make it, but he was a wonderful dog with my kids when they were young!

Anyway, just sitting here browsing the board and rambling on...By the way Hayseed, I visited your website the other day because I wanted to see your web cam (really cool!) and saw you had an RIP pic for Arf, sorry for your loss.  I remember you said awhile back you thought it wouldn't be long but must have missed when he passed and crossed the bridge.