2013년 11월 28일 목요일

About 'payment of tuition fees'|... or loans; accept kickbacks, tuition, fees, assessments or payments of any kind from cast members or Stage Managers...







About 'payment of tuition fees'|... or loans; accept kickbacks, tuition, fees, assessments or payments of any kind from cast members or Stage Managers...








Bank               of               America               announced               that               it's               charging               debit               card               users               $5               per               month               to               pay               for               purchases               using               the               card.

The               Federal               Reserve               capped               the               per-transaction               swipe               fee.

Banks               have               been               pushing               consumers               away               from               cash               purchases.

When               buyers               use               cash,               banks               can't               collect               fees.

Banks               were               charging               merchants               up               to               $.44               per               debit               card               transaction.

Now               they               can               now               only               charge               $.21               each.

They're               scrambling               to               keep               fees               coming               in.

Banks               already               penalize               accounts               that               don't               maintain               minimum               balances:               around               $1,500.

This               hits               youth,               teen               and               college               students               especially               hard.

My               sons               both               pay               fees               because               they               were               unable               to               maintain               a               minimum               balance.

One               was               charged               steeply               when               he               had               to               withdraw               funds               to               pay               college               tuition.
               We're               forced               to               use               bank               products,               and               charged               to               do               so.

I               have               a               family               of               six.

We               opened               accounts               for               the               kids               early               on.

I'm               a               frequent               shopper               and               spender.

Here's               how               I               beat               bank               fees               and               teach               my               children               to               do               likewise.
               *               I               shop               around               for               banks.

Credit               unions               are               supposed               to               be               collectives,               but               we've               been               stung.

Our               son               was               fined               by               his               credit               union               because               his               employer               issued               a               bad               check.

Not               only               was               he               out               his               wages,               he               had               to               pay               $25.

Had               he               cashed               the               check               outright,               he               might               have               avoided               fees.
               *               I               don't               open               parent-funded               debit               cards               for               my               kids.

That's               just               a               way               for               banks               to               charge               parents               even               more.
               *               I               read               read               the               fine               print.

I               balance               my               checkbook               and               verify               every               transaction               and               fee.

I               have               caught               fees               wrongly               charged               and               had               them               reversed.
               *               I               don't               pay-to-pay               or               pay-to-buy.

Many               utility               and               phone               companies,               medical               billing               agencies,               credit               card               companies               and               vendors               charge               a               fee               to               pay.

I               pay               using               the               least               expensive               option:               mail,               online               with               an               ACH,               by               phone               with               check               or               credit               card               or,               if               local,               in               person.
               *               I               use               automatic               withdrawal.

I               have               my               mortgage,               phone,               internet               and               cellphone               bills               automatically               deducted               to               avoid               fees.
               *               I               won't               pay               for               bank               transactions.

I               missed               a               payment               on               my               credit               card;               I               thought               it               was               automatically               deducted.

I               called               the               bank               and               asked               to               have               the               funds               transferred               immediately.

The               bank               charged               $15               to               transfer               money               over               the               phone.

The               fee               was               waived,               or               I               would               have               paid               in               person               or               online.
               *               I               use               online               banking.

I               manage               my               bank               account               online,               but               I               also               have               a               PayPal               account               for               online               purchases               and               payments.

It               costs               nothing               to               transfer               funds               between               Paypal               and               my               bank               account.
               *               I               explore               payment               options.

When               I               pay               bills,               make               online               purchases,               buy               groceries               or               shop,               I               do               the               math               to               see               which               payment               options               costs,               which               are               free               and               which               actually               earn               reward               points.
               *               I               order               checks               online.

I               paid               $9               (with               shipping               and               handling)               for               200               checks.

I               buy               the               cheapest               checks.

I               save               between               $20-$50               on               checks,               including               check               printing               software.
               *               I               keep               the               required               minimum               balance               in               my               account               to               avoid               fees.

I               don't               buy               on               impulse.
               *               I               combine               purchases               and               swipe               less.

Whenever               possible,               I               pay               for               everything               in               one               transaction.

If               I               need               cash,               I               get               it               with               the               purchase.

Fewer               transactions               equals               fewer               fees.
               *               I               swipe               at               bank               ATMs,               not               stores.

Debit               card               fees               are               charged               for               vendor               transactions,               not               ATMs.

I               use               ATMs               at               my               bank               to               avoid               other               bank               charges.






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    댓글 1개:

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