Getting the flock out of here - a diary of a crazy chicken man

[ozexpat]

I have to open a bank account with Bernie this week so I can transfer his salary in each week.

Its 2000p minimum to get an ATM account and the back his you for fees if you drop below that amount and as such most people don't own a bank account.

It's like having a minimum of one to two weeks pay.

We had to establish a savings account for six months before we could open a check account. Lots of people are in orange jump suits for check fraud so you need a good relationship with a business before they will take checks.

My wife's last name is reference enough in kabankalan and cauayan.

Almost nobody is set up for credit cards or EFT-POS. The capitol one card is only good in malls and chain stores

 

[Tomtommom]

I have to open a bank account with Bernie this week so I can transfer his salary in each week.

Its 2000p minimum to get an ATM account and the back his you for fees if you drop below that amount and as such most people don't own a bank account.

It's like having a minimum of one to two weeks pay.

We had to establish a savings account for six months before we could open a check account. Lots of people are in orange jump suits for check fraud so you need a good relationship with a business before they will take checks.

My wife's last name is reference enough in kabankalan and cauayan.

Almost nobody is set up for credit cards or EFT-POS. The capitol one card is only good in malls and chain stores

American banks are becoming very similar. My bank hit me with fees the month I did not receive enough paychecks when I was on maternity leave. I believe it had to be $750 in one check or two of $500 per month, minimum. I dropped them like a bad habit

I quite like online banking, I've been with Capital One 360 for several years (ING direct before that, ING was my bank in Holland, so I was pleased to find they had a US division). Checks are deposited per photograph. No brick and mortar banks, and you can get cash through an AllPoint ATM (which are usually located in supermarkets and gasstations). No fees whatsoever, overdrafts are treated like a line of credit and have saved me many times. Highest overdraft interest I have paid was 67 cents. I cannot say enough for them.

I also have investment accounts for my children through Sharebuilder (also part of Capital One). We've grown my stepson's savings by 35% in two years time. You do not get a return like that in a savings account.

 

[vehve]

The concept of a check has always puzzled me, I don't see the use. Everything goes through account deposits here. And a debit card is handier than writing a check.

 

[Tomtommom]

The concept of a check has always puzzled me, I don't see the use. Everything goes through account deposits here. And a debit card is handier than writing a check.

When I have to pay for something for the kids (like a field trip) I often send a check to school, because I don't actually see the teacher and they have no way to take debit cards. The only other option is cash, but I wont know if it actually made it to the teacher. A check will show when it's been cashed. Other than that, I really don't use them. I use debit or credit when shopping. I don't keep much cash on hand, it's unsafe. Most banks offer protection on debit/credit cards, cash has no such benefits.

In holland we had 'giro'. It was sort of a deposit slip you could use to transfer money to someone elses account. Like a check, but it required no work on the recipients behalf.

 

[vehve]

Here that kind of stuff would be payed with a bank transfer, possibly sending the receipt along for verification, since it can take 3 banking days for a payment to show on the recipients account. It's pretty handy, you just need to give your account number, and that's it. Can be done from your smartphone too. They at least used to have a automated phone service too, but I've never used that. Quite lo tech.

 

[Tomtommom]

Here that kind of stuff would be payed with a bank transfer, possibly sending the receipt along for verification, since it can take 3 banking days for a payment to show on the recipients account. It's pretty handy, you just need to give your account number, and that's it. Can be done from your smartphone too. They at least used to have a automated phone service too, but I've never used that. Quite lo tech.

Sounds similar to what's available in Holland. My online bank actually can do that too, but Americans are very anti-givingpeopleyourbankaccountnumber.

Can't blame them, in the US identity fraud is a big issue. I can sign up for a new credit card in my husband's name in 15 seconds or less.. what is keeping someone else from not doing the same?

 

[vehve]

I think that in Britain you can still confirm your identity with a letter addressed to you. But there's something wrong with the sign up process if all you need is a social security number or bank account number. Here you usually you your online banking login information to prove identity. It's a system of single use codes and a personal client number. Works pretty well.

 

[ozexpat]

Wow. So much trouble getting on line.

We are in the midst of a typhoon enduced storm. We have had over five inches of rain just today.

No outside work. The construction guya sat under cover and formed re-bar for the posts of the fence.

Adter milling down some mahogsny , we put moulding up on the new bedroom ceiling. Painted both bathrooms and the kitchen ceilings.

Tonorrow Bernie and I are wiring a new battery back up circuit for the house. We will put 3 watt lights in the bathroom, a 220v outlet for stand fans in the bedrooms and a 15 watt LED tube light in the kitchen. That week take most of the day. Sunday will be painting the ceiling with Jun

 

[Carin]

Remember: http://thinkegg.com/index.php/world-egg-day/:

This year World Egg Day is Friday 10th October. Hope I am still in time for the Americas. World egg day is just about over in the rest of the world

 

[ozexpat]

Excuse the significant number of typos I have been throwing your way.

It was much better day today.

The fence guys were at the fence guys were at the fence instead of wiring rebar.

The bedroom renovation is very close to complete

Chicks hatched

Things are running quite smoothly. I feel comfortable leaving the place next week