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Thread: FORT Koffee Klatch

  1. #9911
    MRD
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    Re: FORT Koffee Klatch

    Quote Originally Posted by veejer;3159216;
    Boy, do I feel stupid!!!

    I just read the headline, Georgia surrounds breakaway city, rebels defiant, and was thinking of the USA state of Georgia, not the country of Georgia.

    queenb, just what are you up to?
    I always think of the state when they mention Georgia, so don't feel stupid. I think it's natural that is the first thing we think of.

    But that headline would make me think that maybe the history was going to repeat itself in some way. Was going to have to go practice my rebel yell.
    Que me amat, amet et canem meum
    (Who loves me will love my dog also)

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    Trouble in my life just1paul's Avatar
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    Re: FORT Koffee Klatch

    Quote Originally Posted by prhoshay;3159243;
    A friend told me, a couple of weeks ago, that somebody at her bank (credit union) told her that if you are going to use your debit card that it is best (cheaper) to use it in the credit card mode. I didn't understand why, then, but I sure do now.

    Purchases Trigger Overdraft Fees Before They Clear - WalletPop
    Purchases Trigger Overdraft Fees Before They Clear
    Kathy Chu
    ,
    USA Today
    posted: 1 DAY 4 HOURS AGO
    comments: 140
    For years, banks have charged customers hefty fees for overdrawing their checking accounts. Now a growing number of institutions are charging customers such fees even before the transaction overdraws their account.
    Bank of America and TD Banknorth started doing it earlier this year. SunTrust, among other banks, has been doing it for a few years.
    Here's how it works: If you pay with your debit card, some banks will now charge you a fee -- $35 or more -- if you don't have funds in your account at the time you sign for the purchase.
    Previously, you didn't get charged this fee unless you were short of cash when the signature debit transaction cleared a few days later. That meant that, while the signature debit transaction was pending, consumers could often deposit money to cover any potential overdraft. (By contrast, PIN transactions typically clear immediately.)
    10 Bank Secrets
    The banks are in trouble, and if they can use you as a crutch, they will. Click here for 10 sneaky things to watch for.
    10 Things Your Bank Won't Tell You
    Leslie Parrish, senior researcher at the Center for Responsible Lending, argues that this is "another way (for banks) to manipulate account holders' balances to spur more overdraft fees." Banks defend the practice, saying it provides customers with accurate information about account balances.
    Banks' changes come as regulators weigh whether to crack down on overdraft practices. The Federal Reserve has proposed a rule to give customers the right to demand that banks deny transactions that overdraw their account. The Fed has also asked for comments on banks' processing of transactions from high-to-low dollar amount. This practice, according to USA TODAY research in 2006, often triggers more overdraft fees than if banks paid the transactions in the order they were received.
    The public can submit comments to the Fed about overdraft fees and credit card practices until 5 p.m. ET Monday, the agency says, at federalreserve.gov. Click on "Consumer Information" and then "Regulation AA" under the "Proposed Rules for Credit Cards and Overdraft Services." Or click here to comment online. Click on "Proposals for comment."
    In 2007, banks collected a record $45.6 billion in overdraft fees from consumers, up 50% from 2001, according to Moebs Services, a consulting firm. To minimize fees, consumers should keep track of their account balances and seek out small banks, which often have lower fees, says firm founder Michael Moebs. Still, he adds, as fees climb, "there's a point when consumers say enough is enough, and I think they're saying that now."
    Copyright 2008 USA TODAY, a division of Gannett Co. Inc. All Rights Reserved.
    2008-08-05 18:10:15
    Why can't people just make sure they have the money before buying something?

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    Re: FORT Koffee Klatch

    Quote Originally Posted by gabriel;3159726;
    Why can't people just make sure they have the money before buying something?
    That's what I was thinking. I can check my balance online and I keep track of what I've used my debit card for. If I don't have enough in there, I don't buy and if I've bought and it hasn't shown up yet online, then I also know that I have to take that balance and subtract XX from it because it WILL show up soon.

    What I hate is when something shows up as "pending" and then it will take a WEEK to get it to subtract from the balance. But at least with "pending" being there, it does remind me that I have something coming out soon and not to overspend what I have left.
    Que me amat, amet et canem meum
    (Who loves me will love my dog also)

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    Re: FORT Koffee Klatch

    Quote Originally Posted by gabriel;3159726;
    Why can't people just make sure they have the money before buying something?
    My thought exactly! It's not as though writing the numbers in the ledger is brain surgery, or simple subtraction is rocket science.
    Last edited by Ellen; 08-08-2008 at 10:15 AM.
    "There's no crying in baseball!"
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    Re: FORT Koffee Klatch

    Quote Originally Posted by myrosiedog;3159733;
    That's what I was thinking. I can check my balance online and I keep track of what I've used my debit card for. If I don't have enough in there, I don't buy and if I've bought and it hasn't shown up yet online, then I also know that I have to take that balance and subtract XX from it because it WILL show up soon.

    What I hate is when something shows up as "pending" and then it will take a WEEK to get it to subtract from the balance. But at least with "pending" being there, it does remind me that I have something coming out soon and not to overspend what I have left.

    Wow my bank immediately subtracts and adds to balances even if pending, the only time it takes about 24 hours to add is if a deposit is not direct deposit, and even so once i subtract it I know my rough balance. If there is any doubt I pay by credit card and then transfer the amount from my checking to the credit card for payment when I get home.
    Last edited by just1paul; 08-08-2008 at 10:20 AM.

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    Re: FORT Koffee Klatch

    Apparently the Canadian debit card works in a different way than the American debit card, in that it works just like cash. If there isn't enough money in my account, the purchase can't happen. And charges using the card show up in my account immediately. And I don't know about other banks in Canada, but the bank I use doesn't appear to levy individual charges for debit card usage.

    So I gather you can overdraw your account using a US debit card - is that correct?
    All I wanted was a 45, a stinking 45 - the record or the gun. I'd even settle for the damn malt liquor. - Al Bundy.

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    Re: FORT Koffee Klatch

    All I can say to this....tongue in cheek, mind you.....is "Praise the Lord!"

    7 Christian bikers arrested in Orange County raid - Los Angeles Times

    7 Christian bikers arrested in Orange County raid


    Mark Boster / Los Angeles Times

    The leader and members of the Set Free Soldiers are accused of attempted murder in a Newport Beach brawl with the Hells Angels, three of whom are also in custody.
    By Tony Barboza and H.G. Reza, Los Angeles Times Staff Writers
    9:20 AM PDT, August 7, 2008
    Long controversial for its aggressive evangelism aimed at those with a troubled past -- ex-convicts and drug addicts among them -- the Anaheim-based Christian motorcycle gang known as the Set Free Soldiers found itself in deeper trouble Wednesday when its leader and half a dozen members were arrested on suspicion of attempted murder.

    The arrests, which followed a double stabbing in a brawl with the Hells Angels at a Newport Beach bar July 27, was the latest brush with the law for the group of black-leather-clad bikers, which has straddled the line between Christian outreach group and outlaw motorcycle gang.



    By late Wednesday, authorities had arrested 10 members of the Set Free Soldiers and the Hells Angels during raids in Anaheim, Costa Mesa and Rancho Santa Margarita that started at 5 a.m., said Sgt. Evan Sailor of the Newport Beach Police Department.

    The operation involved more than 150 officers, including SWAT teams and federal drug enforcement agents.

    Seven members of the Set Free Soldiers, including leader Phil Aguilar, 60, have been charged with conspiracy to commit murder and are each being held on $1-million bail, police said.


    Three members of the Hells Angels are also in custody, including John Phillip Lloyd, a 41-year-old Costa Mesa man charged with assault with a deadly weapon. The other two were arrested on drug charges.

    Others are still being sought on arrest warrants.

    The arrests stemmed from a 15-person brawl at the Newport Beach bar Blackie's by the Sea, where Set Free members allegedly stabbed two Hells Angels members.

    During the brawl, the Hells Angels also allegedly struck one of the Set Free members in the head with a pool ball.

    On its website, which appeared to have been taken down Wednesday evening, Set Free Soldiers call themselves "a group of men who love Jesus and love to ride hard."

    "We are not your normal motorcycle club," the statement reads. "Some say we are too good for the bad guys, and too bad for the good guys."

    Aguilar, a Harley-riding ex-convict and former drug addict who served time for child abuse in the 1970s, converted to Christianity in prison. He became the founding pastor of Set Free Worldwide Ministries in 1982. But he and his ministry have been highly controversial.

    His MySpace.com page describes Aguilar as pastor or "the Chief" of the group. Next to his photo is the statement: "Sinner or Saint you be the judge!"

    Police said that through its ministry, the gang recruited people discharged from parole, state prison and county jails and has an outreach program for convicted felons.

    Although Set Free has been praised for its streetwise approach, its detractors say it is an autocratic organization that exerts too much control over its members by confiscating their belongings and forcing them to break off relationships with friends and families.

    Law enforcement officials and former members say that the group has devolved into a motorcycle gang like any other, and that it has ties to the Mongols, an outlaw biker gang that has engaged in warfare with the Hells Angels.

    Set Free chapters in the Midwest have provided security at Mongol funerals, said Steve Cook, an Independence, Mo., police officer and president of the Midwest Outlaw Motorcycle Gang Investigators Assn.

    "It is an outlaw club," Cook said. "Their supposed Christian affiliation doesn't change my opinion."

    A former Set Free member said Aguilar has performed Mongol weddings and officiated at their funerals. The man, who asked not to be identified for fear of retaliation, said he left the group about five years ago when Aguilar began taking the church in a new direction and started recruiting tattooed bikers. Some members carry guns, he said.

    "Phil always wanted to be somebody in the outlaw biker world, and he's been hiding behind the cross for a long time," the former member said. "When he began recruiting members, he figured the badder they were the better."
    Members of other Christian motorcycle groups said they are afraid Set Free's troubles will give them all a bad name.

    "It puts all of us Christian bikers in a negative light, that all of a sudden we're gangs too," said Radawn McKinney, vice president of a motorcycle ministry based in Orange. "We're not all thugs and don't have gang behavior. We have to go out and do God's work."


    Despite Set Free's hard-core reputation -- its website features videos of members in fistfights -- some who have worked with the group were surprised at the gravity of the charges.

    Sandie Moore, 52, a retired nurse who lives in Fountain Valley, said Wednesday's arrests shocked her. She said she had worked with Aguilar's group on charity events for organizations such as the Children's Hospital of Orange County, where they had provided security.

    "What I saw today is far, far, far from how I know them," Moore said. "I can't believe they are being portrayed as thugs. I think maybe some of them who haven't corrected their ways got rowdy, but their behavior is totally contrary to how they acted in front of me."


    Carol Cantiberos, 47, of Buena Park, a Set Free member who lived at one of its group homes in Anaheim for three weeks and goes to its church services every Saturday, said Aguilar and the gang helped her stay sober for the last 86 days.

    "He doesn't ask you about your history or what you've done bad; he just accepts you with open arms," she said. "I don't believe he would do anything unless he was protecting himself, because he's turned around."

    But news of the raid was no surprise to Rose Lambie, 65, who lives three houses down from one of the four South Archer Street homes in Anaheim that were targeted. Aguilar owns several houses in the 300 block of South Archer.

    Aguilar, she said, is well-known and the gang had "taken over the neighborhood in a lot of ways."

    She said the gang has a history of intimidating neighbors, who had met with one another and with police to raise concerns about their behavior.

    Ronald Enroth, a sociology professor at Westmont College in Santa Barbara who featured Set Free in his 1992 book "Churches That Abuse," said the group is a "control-centered, authoritarian organization" that has displayed cult-like behavior, even as it cozied up to mainstream evangelical groups and Aguilar appeared on Trinity Broadcasting Network programs.

    "They feel they're reaching a kind of person the larger religious community can't reach," Enroth said. "A lot of people on the margins of society may have been helped, but they are not always aware of the tentacles that an organization like this can have on their lives."
    "...each affects the other, and the other affects the next, and the world is full of stories, but the stories are all one." - Mitch Albom, one helluva writer

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  8. #9918
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    Re: FORT Koffee Klatch

    Quote Originally Posted by Rattus;3159755;
    Apparently the Canadian debit card works in a different way than the American debit card, in that it works just like cash. If there isn't enough money in my account, the purchase can't happen. And charges using the card show up in my account immediately. And I don't know about other banks in Canada, but the bank I use doesn't appear to levy individual charges for debit card usage.

    So I gather you can overdraw your account using a US debit card - is that correct?
    I can't. If my balance is 3.00 and I spend 4.00 it won't go through. But then again I do NOT have overdraft protection on my accounts because I don't want it.

  9. #9919
    Resident curmudgeon Newfherder's Avatar
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    Re: FORT Koffee Klatch

    You have $3? You may be the richest person I know!
    "The road that is built in hope is more pleasant to the traveler than the road built in despair, even though they both lead to the same destination."
    --Marion Zimmer Bradley

  10. #9920
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    Re: FORT Koffee Klatch

    Quote Originally Posted by Newfherder;3160083;
    You have $3? You may be the richest person I know!
    HA HA HA -- I typed IF

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