I also had amazon do something weird with the way they billed an order. It caused my card to go about $30 negative. There were no fees charged above my usual monthly fee.
If you can't open a checking account due to chex systems, and you have been cashing checks at walmart for $3 per check. Chase liquid will open a prepaid debit account for you and if you cash more then 2 checks a month, you are saving money. You are also saving time and alot of other hassles, always wondering if Walmart changed a rule, or how long the line wil be.
The Chase liquid card won't charge you fees for overdrafting, because you can't overdraft. It will go negative slightly to cover you monthly fee, again, no other fees are charged.
I challenge you to find another way to cash more then 2 checks a month for less then $4.95 if someone can't open a traditional checking account.
Even if you are just using the chase liquid card to pay some bills by phone or something, the monthly fee is about the same as a green dot card. With the added benefit that you can reload it at any chase atm (which usually accept cash and checks) for free. Every other prepaid card will charge you for that. And with most other prepaid cards, once your money is on that card you aren't seeing cash unless you pay an atm fee. With the liquid card, I can walk into any branch or pull money out of any chase atm for free. I can also use other atm's for the ATM owner's fee, no chase fee's.
I am just a happy user. I haven't seen a competing product that compares.
Another issue (invisible to most people) is avaliability of funds. If I take a check to my bank and cash it, I might not be able to use that money for 3-5 days.That's along time if you are staring at an eviction or hungry kids. I've heard of people who will cash that check at the issuing bank (which is now a fee transaction), then put that cash into their own bank so it is available immediately. That kind of thing is hard for many people to comprehend, but it's more common then they think.
Chase offers a pretty good solution for the unbanked. Their chase liquid card does everything tmobile appears to be doing and the only fee you are charged is a monthly $4.95. You can deposit checks at and ATM, at a branch, or with your phone.
I personally have a hard time trusting banks, they want to hit you with fees all the time, but Chase has been doing very well with this card. I'm flabergasted by people who want to use their phone for banking. Hmmm, let me think of one company that rips off more people then banks....(maybe...)
A Doctor visit for a cold or flu (aside from being entirely unnecessary and useless) is a major expense that many people cannot absorb. If I need to get 4 people (typical family) tested for strep, that is $80 / with most insurances. Without, as you advocate, it's at least $280.
Many American family's do not have an extra $100 in their budget.
My problem with powershell is the poor documentation built into it. The commands are ridiculously long and there doesn't appear to be an easy way to figure out the proper names for things you want to manipulate.
I have 5 kids, under age 12. I also come from a family of 8 children. I see these people all the time. If you are reading books and learning from those around you, you are probably doing it right. Like most things, showing an active interest and trying are usually enough.
There are plenty of parents who are too wrapped up in their own drama, or too selfish to consider their children's needs. I can't count the times I have been the only parent at a neighborhood playground. Especially when my kids were around 3 or 4. These other kids would be starved for adult attention. It's really sad to watch.
If you are confident you made the right choices, stand by them and don't feel like I am attacking you. My comments are directed at those making the wrong choices because they are easier. Don't deny their are plenty of those. I have plenty of experience with kids that won't sleep and siblings that act very different. That is the reality of working with and raising children.
My point was clearly stated above and had more to do with knowledge of the consumer's knowledge of price to value ration. Should this test cost $90, or is $5 more fair? My insurance company seems to know this and that's what I pay them for. Sure, some cash patient gets an across the board discount, but my discounts are often way higher. Would you let an auto dealer charge you $100K for a Kia just because he is giving you 15% discount?
I think consumers need more ability to hire and fire their insurance providers as well as their medical providers. Or maybe we could get by with some sort of single payer who has the clout to dictate fair markups. That's truly my preference, but something needs to be done to separate healthcare from employment.
You appear to be doing it right, how am I judging you. I reserve my judgment for the other parents who are doing it wrong. Unfortunately there are more of them and you often get tarred with the same brush.
How is anything I described a result. I described an over-scheduled child with no firm bedtime who is forced to get up early. This is all too typical today. Kids need a bedtime routine and general routine. Kids need enough sleep.
-said most parents who then proceeded to medicate their kids.
But don't worry, their kids were really serious problem. They need this medication to make their lives better.
Meanwhile their kids goes to after school care, gets picked up and shuttled to some activity with a snack. Sometimes a second after school activity. Then a late dinner at 8:30 or 9pm. Has to do homework. Might got to bed sometime between 10:00 and 11:30. Gets up a 5:30 to get dropped off on the way to work.
I'm not discounting your problem. I'm certain there are many children who have benefited like you. However, there are also many children who are drugged by their parents because it is easier than following through on consequences. Children have to be patiently taught. It takes weeks of repetition to teach a toddler to do or not do something. Often, the kids want to please you, so they will appear to learn things quickly. Just because a child is strong willed or stubborn, the end up medicated.
Have you tried shopping around for non-trauma care? I have, it's neigh impossible. You can easily spend an hour finding the best price for a medication. You can spend days pricing out a procedure. It's true that part of this is due to lack of incentives. Some places will flat out refuse to quote you a price, and you can bet the ones who do quote you do not consider it binding. They can sprinkle some different meds and have a couple extra doctors glance at your chart to double your bill.
Insurance is a great way for me to pay someone with the knowledge to insure prices are correct and procedures are billed properly. The crappy part about the US system is I am stuck with the insurer my employer picks. My current insurer makes you fill out dozens of forms if you have any sort of accidental injury treated. Like I want them sueing my neighbor to recover costs. I would drop them in a hot minute if I had the choice. They are also habitual late payers. Too bad I don't have a choice unless I want to decline a large part of my pay package.
If this is true, where are the new antibiotics in pipeline? Throwing money just attracts the worst people who have the worst ethics. They will only research the blockbusters and ignore common problems. More then half the "inventions" in the medical industry are creative ways of patenting old things.
I have only been in the workforce for about 15 years, but I don't see your false happiness. I see a lot of people who complain about chronic pains or anxieties that they are forced to medicate. With some people it seems like a contest to see who is the most medicated. I also see many people having surgeries or other procedures that seem designed to give them access to pain medications.
The Dems aren't perfect, but at least they aren't kowtowing to a radical fringe group in their own party. The Tea Party is a sizable MINORITY of US voters, less then 20%, probably less then 10%. Stupid incumbents shot themselves in the foot with their gerrymandering.
Slashdot Mirror
I also had amazon do something weird with the way they billed an order. It caused my card to go about $30 negative. There were no fees charged above my usual monthly fee.
If you can't open a checking account due to chex systems, and you have been cashing checks at walmart for $3 per check. Chase liquid will open a prepaid debit account for you and if you cash more then 2 checks a month, you are saving money. You are also saving time and alot of other hassles, always wondering if Walmart changed a rule, or how long the line wil be.
The Chase liquid card won't charge you fees for overdrafting, because you can't overdraft. It will go negative slightly to cover you monthly fee, again, no other fees are charged.
I challenge you to find another way to cash more then 2 checks a month for less then $4.95 if someone can't open a traditional checking account.
Even if you are just using the chase liquid card to pay some bills by phone or something, the monthly fee is about the same as a green dot card. With the added benefit that you can reload it at any chase atm (which usually accept cash and checks) for free. Every other prepaid card will charge you for that. And with most other prepaid cards, once your money is on that card you aren't seeing cash unless you pay an atm fee. With the liquid card, I can walk into any branch or pull money out of any chase atm for free. I can also use other atm's for the ATM owner's fee, no chase fee's.
I am just a happy user. I haven't seen a competing product that compares.
Another issue (invisible to most people) is avaliability of funds. If I take a check to my bank and cash it, I might not be able to use that money for 3-5 days.That's along time if you are staring at an eviction or hungry kids. I've heard of people who will cash that check at the issuing bank (which is now a fee transaction), then put that cash into their own bank so it is available immediately. That kind of thing is hard for many people to comprehend, but it's more common then they think.
Try using a 3rd party check with those debit cards (AKA cashing a check).
Chase offers a pretty good solution for the unbanked. Their chase liquid card does everything tmobile appears to be doing and the only fee you are charged is a monthly $4.95. You can deposit checks at and ATM, at a branch, or with your phone.
I personally have a hard time trusting banks, they want to hit you with fees all the time, but Chase has been doing very well with this card. I'm flabergasted by people who want to use their phone for banking. Hmmm, let me think of one company that rips off more people then banks....(maybe...)
no RAID, Each drive mirrors to another drive on a daily or weekly basis depending on churn. Offsite backups to an external drive or rsync node.
Best for home or small office.
like you won't need firewall access for ipv6.
Why do you buy Apple when they are dicks?
A Doctor visit for a cold or flu (aside from being entirely unnecessary and useless) is a major expense that many people cannot absorb. If I need to get 4 people (typical family) tested for strep, that is $80 / with most insurances. Without, as you advocate, it's at least $280.
Many American family's do not have an extra $100 in their budget.
Thanks, that's very helpful.
My problem with powershell is the poor documentation built into it. The commands are ridiculously long and there doesn't appear to be an easy way to figure out the proper names for things you want to manipulate.
I have 5 kids, under age 12. I also come from a family of 8 children. I see these people all the time. If you are reading books and learning from those around you, you are probably doing it right. Like most things, showing an active interest and trying are usually enough.
There are plenty of parents who are too wrapped up in their own drama, or too selfish to consider their children's needs. I can't count the times I have been the only parent at a neighborhood playground. Especially when my kids were around 3 or 4. These other kids would be starved for adult attention. It's really sad to watch.
If you are confident you made the right choices, stand by them and don't feel like I am attacking you. My comments are directed at those making the wrong choices because they are easier. Don't deny their are plenty of those. I have plenty of experience with kids that won't sleep and siblings that act very different. That is the reality of working with and raising children.
Seconded!
Single payer healthcare neatly solves this problem.
My point was clearly stated above and had more to do with knowledge of the consumer's knowledge of price to value ration. Should this test cost $90, or is $5 more fair? My insurance company seems to know this and that's what I pay them for. Sure, some cash patient gets an across the board discount, but my discounts are often way higher. Would you let an auto dealer charge you $100K for a Kia just because he is giving you 15% discount?
I think consumers need more ability to hire and fire their insurance providers as well as their medical providers. Or maybe we could get by with some sort of single payer who has the clout to dictate fair markups. That's truly my preference, but something needs to be done to separate healthcare from employment.
You appear to be doing it right, how am I judging you. I reserve my judgment for the other parents who are doing it wrong. Unfortunately there are more of them and you often get tarred with the same brush.
How is anything I described a result. I described an over-scheduled child with no firm bedtime who is forced to get up early. This is all too typical today. Kids need a bedtime routine and general routine. Kids need enough sleep.
That sounds like a lot of work...
-said most parents who then proceeded to medicate their kids.
But don't worry, their kids were really serious problem. They need this medication to make their lives better.
Meanwhile their kids goes to after school care, gets picked up and shuttled to some activity with a snack. Sometimes a second after school activity. Then a late dinner at 8:30 or 9pm. Has to do homework. Might got to bed sometime between 10:00 and 11:30. Gets up a 5:30 to get dropped off on the way to work.
Why is this kid acting up?
I'm not discounting your problem. I'm certain there are many children who have benefited like you. However, there are also many children who are drugged by their parents because it is easier than following through on consequences.
Children have to be patiently taught. It takes weeks of repetition to teach a toddler to do or not do something. Often, the kids want to please you, so they will appear to learn things quickly. Just because a child is strong willed or stubborn, the end up medicated.
Have you tried shopping around for non-trauma care? I have, it's neigh impossible. You can easily spend an hour finding the best price for a medication. You can spend days pricing out a procedure. It's true that part of this is due to lack of incentives. Some places will flat out refuse to quote you a price, and you can bet the ones who do quote you do not consider it binding. They can sprinkle some different meds and have a couple extra doctors glance at your chart to double your bill.
Insurance is a great way for me to pay someone with the knowledge to insure prices are correct and procedures are billed properly. The crappy part about the US system is I am stuck with the insurer my employer picks. My current insurer makes you fill out dozens of forms if you have any sort of accidental injury treated. Like I want them sueing my neighbor to recover costs. I would drop them in a hot minute if I had the choice. They are also habitual late payers. Too bad I don't have a choice unless I want to decline a large part of my pay package.
If this is true, where are the new antibiotics in pipeline? Throwing money just attracts the worst people who have the worst ethics. They will only research the blockbusters and ignore common problems. More then half the "inventions" in the medical industry are creative ways of patenting old things.
I have only been in the workforce for about 15 years, but I don't see your false happiness.
I see a lot of people who complain about chronic pains or anxieties that they are forced to medicate. With some people it seems like a contest to see who is the most medicated. I also see many people having surgeries or other procedures that seem designed to give them access to pain medications.
Wayne LaPierre
If only those gun nuts were interested in other rights... (oops, I meant "others rights")
The Dems aren't perfect, but at least they aren't kowtowing to a radical fringe group in their own party. The Tea Party is a sizable MINORITY of US voters, less then 20%, probably less then 10%. Stupid incumbents shot themselves in the foot with their gerrymandering.