Financial Glossary
Ally Bank ATM Fee Rebates Work At Exorbitant Las Vegas Casinos
I spent a few days in Las Vegas last month as an extended layover, and wasted some time gambling. This also gave me a chance to try out those on my . I went to three different ATMs at three different places, and the ATM fees were $2.50, $4.99, and $4.99. Can you imagine taking out $40 and getting charged $2-5 from your own bank, and then $5 from the ATM owner? Ouch. (Ally doesnt charge you to use other ATMs, but most big banks do.)
By the third try, even I felt bad for Ally paying for all that and took out a larger sum for the rest of the trip. At the end of the month, the total fees of $12.48 was credited automatically to my account as promised. (My total eventual losses for the trip were around $100, Im sad to say.)
Oh, and if youre confused by the negative balances, I have it set up for free overdraft transfers from my to my checking account whenever my balance hits zero.
Missouri Grain Dealer Bond Update
Missouri State has put forth new legislation this summer concerning grain dealers. The new law is named SB 356/HB 458 and it changes the surety bond required of grain dealers. The previous legislation required at least a $20,000 bond and could not surpass $300,000. Due to a the biggest grain dealer fraud scheme in Missouri history, the new law boosts the minimum bond amount to $50,000 and the maximum bond amount to $600,000. SB 356/HB 458 also requires dealers to sustain assets equivalent to 100% of its liabilities. Should a dealer have a negative working capital, the new legislation allows dealers to obtain a bigger bond to compensate for the deficiency.
U.S. banks bleed
Slaughterhouses aren’t the only ones axing in the U.S. these days. Less than a week before Thanksgiving, some of the U.S.’ biggest banks are completing a second week of what CNN reports will be approximately 75,000 layoffs. Bank of America ( BAC ) and JPMorgan Chase ( JPM ) slashed jobs this week after Citigroup ( C ), Goldman Sachs ( GS ), Credit Suisse ( CS ), RBS ( RBS ) began eliminating jobs last week. “Layoffs have been expected, but what’s a little different this time is that firms are being more open about it and in some cases, actually inflating their numbers,” managing director Alan Johnson with compensation consultancy Johnson Associates told the news service. Four of those six banks might face additionally severe challenges as the past two weeks also have seen the fulcrum of the sovereign debt crisis shift west from Greece to Italy and now to Spain.
Citi Diamond Preferred Card: 0% APR For 18 Months + $200 Statement Credit
Heres another nice 0% interest balance transfer offer it mentions the holidays, but ideally youll be using it to pay down your balances even faster! The now gives you 0% APR for 18 months on both balance transfers and purchases. Now, the balance transfer fee is 3% (minimum $5). However, you also get a $200 statement credit after you make $500 in online purchases in your first 3 months. This means that you could transfer a balance of up to $6,650 and still have your transfer fee completely covered. Transfer less than that, say $5,000, and youd actually net yourself $50. Remember, purchases are at 0% APR as well. No annual fee.
Comparing this with the other , the mentioned earlier has at all, but only for a period of 12 months. If your balances are less than or around $7,000 you would get six more months at 0% with the Diamond Preferred over the Slate.
North Dakota Potato Dealer Bond
The laws for North Dakota potato dealers have evolved. A new bill titled HB 1027/HB 1399 makes financial security mandatory in order to obtain a potato dealer license. Under previous legislation, dealers were required to be licensed and the State Seed Commissioner had the option to require a form of financial security, which a surety bond would satisfy.
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