MrsSpringsteen
Blue Crack Addict
That's a very pretty Jesus. I give him a ten out of ten for outfit and overall presentation. Good sign too.
You're right. That must have been burning oregano I smelled, ya know, when I was there. Three times to date.
Did I ever once say everyone down there was a bunch if stoned college kids looking for a good time?
No.
I said that the sheer number of that element is so massive down there that it mutes and hurts those who are actually making rational points.
So why don't you get your own head out of your ass and stop just assuming that anyone which dares to criticize a large and obvious element in that protest must be some privileged well to do right wing tea party felating douchebag.
Given the fact that Headache has actually been down there with the protestors in person (and multiple times), I don't think you're really in a position to be correcting him on what's going on.
Furthermore, the "get your head out of your ass" comment does nothing to further the discussion and is needlessly condescending. It would be great if you could skip the insults from here on out.
What about it does not make sense? I'm pretty well versed in the economics of my university.that makes no sense
You must be one of those "independents" that disagree with everything but whatever Fox News is spewing
You obviously know nothing about Headache. You seem quite lost by this whole thread, honestly.It wasn't a 'large obvious element' when I was down there.
You must be one of those "independents" that disagree with everything but whatever Fox News is spewing
Steved1998 said:You must be one of those "independents" that disagree with everything but whatever Fox News is spewing
You obviously know nothing about Headache. You seem quite lost by this whole thread, honestly.
99% vs. the 1%. Granted it's easier to write on a sign but is anyone else nostalgic for proletariat vs. bourgeoisie?
Bank Of America Earnings Report: Bank Sees $6.2 Billion Profit
Bank of America earned billions of dollars in profits last quarter, even as banking officials expressed concern recently about the effects of new regulations on their bottom line.
The largest bank by assets reported third quarter gains of $6.2 billion, compared to a $7.3 billion loss during the same quarter last year. The boost in profits came largely from an accounting gain and the pre-tax benefits from the sale of its stake in a Chinese bank.
The increase in profits comes after Bank of America roiled customers by announcing that it will start charging customers $5 per month to use their debit cards for purchases in 2012. Shortly after the bank announced the fee, Bank of America CEO Brian Moynihan defended it, saying that the bank “has a right to make a profit.”
Moynihan and other banking officials have said that they need to start charging fees on debit cards and checking accounts for once-free services to recoup the revenue they expect to lose as a result of financial reform regulations -- including a cap on the debit card swipe fee banks charge merchants -- passed as part of the Dodd-Frank act.
Bank of America isn’t the only bank adding new fees. Wells Fargo announced in August that it would test a $3 debit card fee this fall, while Citibank said earlier this month that it would start charging certain customers a $20 fee for low account balances.
President Barack Obama criticized the banks for the slew of fees in an interview with ABC News earlier this month, saying that they don’t “have some inherent right just to, you know, get a certain amount of profit” if their “customers are being mistreated.”
"Banks can make money," he said in the interview. "They can succeed, the old-fashioned way, by earning it."
The fees are already pushing some customers away from traditional banks. The nation’s largest credit union reported that the volume of new account openings was more than 20 percent above normal the weekend after Bank of America announced the debit card fee.
Bank Of America Earnings Report: Bank Sees $6.2 Billion Profit
Citibank said earlier this month that it would start charging certain customers a $20 fee for low account balances.
Tiger Edge said:
Why do you hate capitalism?
Yes that's how they hold you hostage-the credit report issue. They've got themselves covered in every possible direction.
Maybe soon they'll be a fee to open a door at a bank. Or a parking fee.
Because a large amount of local banks go belly up from time to timeI don't know why people even bank with these huge national banks. Stick with a local community bank or a credit union. No one should put their money in Chase, BOA, Wells Fargo or Capital One.
i have to admit, i'm gobsmacked.Bank of America in particular stopped allowing debit card purchases if there is no money in the account. It used to be that the customer was charged a $35 fee for overdrafts. The Federal Reserve enacted new rules that forbid banks from charging overdraft fees unless customers allow it but BofA went one step further and got rid of overdrafts all together.
i have to admit, i'm gobsmacked.
i need to remember to cancel my overdraft next time i'm in the states actually, i don't use my us account much for obvious reasons but i've always thought charging $35 to borrow a few bucks is ridiculous.
(just for the record, in nz they have overdrafts too but it works like a loan: instead of charging you a huge fee, you get charged interest. so if you screw up and overspend by like $2 you can potentially fix it easier and cheaper. or if you choose not to have one, your card just won't work if you try to spend more than you have.)
The profits may seem obscene to you and many others, but you have to apply to their large capital bases: BofA's which is currently $220 billion and possibly will have to be increased with Basel III (new international capital standards which will take effect in the next few years). A sufficient income on that capital base is desired. After all, this is a money making business, not a non-profit organization. And banking is a competitive industry - there are roughly 7,000 banks in the country. If the fees become too high and unnecessary, they will come down.