http://thefinancebuff.com/2008/04/never-pay-late-fee-again.html like a friend telling you about money ... Thu, 19 Nov 2009 19:44:17 -0600 http://wordpress.org/?v=2.8 hourly 1 http://thefinancebuff.com/2008/04/never-pay-late-fee-again.html/comment-page-1#comment-1644 julie) what can we do??? Thu, 26 Feb 2009 06:29:09 +0000 http://blog.thefinancebuff.com/?p=252#comment-1644 there has to be someone that can help us get the banks to pay us back for all the banks NSF they take for our account there is no way it cost 24.00 for them to send back something and i no that i pay for anything in my account no matter what id i write a check and i dont have the funds do to something i always always make sure that checks gets paid so i dont think the banks should be aloud to take that much money i would be satisfied with them takeing 1.00 that would be ok but 24.00 for what am i paying there wages for the day or what does anyone out there no if there is a website out there that can help thanks alot. there has to be someone that can help us get the banks to pay us back for all the banks NSF they take for our account there is no way it cost 24.00 for them to send back something and i no that i pay for anything in my account no matter what id i write a check and i dont have the funds do to something i always always make sure that checks gets paid so i dont think the banks should be aloud to take that much money i would be satisfied with them takeing 1.00 that would be ok but 24.00 for what am i paying there wages for the day or what does anyone out there no if there is a website out there that can help thanks alot.

]]> http://thefinancebuff.com/2008/04/never-pay-late-fee-again.html/comment-page-1#comment-625 mcfnord Thu, 24 Apr 2008 05:37:00 +0000 http://blog.thefinancebuff.com/?p=252#comment-625 i keep fishing around for a sound argument for credit cards. there's allegedly additional security from fraud (either theft or merchant dispute), but i carry a debit with $300 on it, so a theft wouldn't get much money. my bank has acted in merchant disputes on the debit. 3% cash back on "categories"? this adds up to perhaps five bucks a month tops, but i lose the unified accounting provided by my bank online. i haven't paid a fee to a financial institution in many years. i do have cc's though, a $175k credit line. the physical cards are destroyed and account details encrypted. i don't see the point of carrying one. nor do i relish the psychology of getting "cash back" as it probably incentivizes more spending. i get "cash back" by borrowing at 0% and holding, up to $80k last year, now just $25k. i keep fishing around for a sound argument for credit cards. there's allegedly additional security from fraud (either theft or merchant dispute), but i carry a debit with $300 on it, so a theft wouldn't get much money. my bank has acted in merchant disputes on the debit. 3% cash back on "categories"? this adds up to perhaps five bucks a month tops, but i lose the unified accounting provided by my bank online. i haven't paid a fee to a financial institution in many years. i do have cc's though, a $175k credit line. the physical cards are destroyed and account details encrypted. i don't see the point of carrying one. nor do i relish the psychology of getting "cash back" as it probably incentivizes more spending. i get "cash back" by borrowing at 0% and holding, up to $80k last year, now just $25k.

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