Bank: a credit union
Americans are shitty drivers. At least here in Nashville.
Signal to turn? What is that?
VerizonI'm pumped for the food haha
Pollo Loco
In and out
No means no
I think that covers it.
Americans are shitty drivers. At least here in Nashville.breh I'm from Vancouver let me tell you about shitty drivers lol
Signal to turn? What is that?
Why would you live there?to make neogaf great again
http://www.neogaf.com/forum/showthread.php?t=1253826
:doge
lol you fool. Don't come crawling back Syph.straight to the top baby
Bank: a credit unioncould you elaborate please?
Bank: a credit uniontrue patriots use usaa. :usacry
Why not go to law school in Canada? I thought about going to law school in Canada myself being from California. Isn't the Canadian market better for attorneys?Simply put I want to practice in the states. Higher ceiling. Don't let that stop you from applying though, UBC and a couple others are still quite reputable here.
We just need to get Wrath back over here and the bore mad max raiding tribe will be strongtoku are you in cali?
As far as food goes:I'm looking forward to taking full advantage of that
If you're going to be on a campus or in a college town always be on the lookout for new places to eat.
Also, be sure to bask in the glorious flavors of street food :rejoice.
A cursory look at their website has been informative. I didn't realize you have to pay for the phone in the States...in Canada you can often get one as part of the plan or have a greatly reduced price so that you're locked into a term. It appears that isn't the case here?Thanks for the responses. I'll look into credit unions.I have T-Mobile.
Any more info on phone provider? Which companies do you guys have cell phones from?Why not go to law school in Canada? I thought about going to law school in Canada myself being from California. Isn't the Canadian market better for attorneys?Simply put I want to practice in the states. Higher ceiling. Don't let that stop you from applying though, UBC and a couple others are still quite reputable here.We just need to get Wrath back over here and the bore mad max raiding tribe will be strongtoku are you in cali?As far as food goes:I'm looking forward to taking full advantage of that
If you're going to be on a campus or in a college town always be on the lookout for new places to eat.
Also, be sure to bask in the glorious flavors of street food :rejoice.
They've really stepped up since the past decade or so and offer a cheap service for unlimited data/text.
AT&T is overpriced trash that is generally expensive.
Verizon is getting on AT&T's level but it's not there yet.
Sprint is... alright. Their connection imo, and in Florida, has been way too spotty. Expect hour/two hour periods a couple times a year where you'll have no connection.
Why not go to law school in Canada? I thought about going to law school in Canada myself being from California. Isn't the Canadian market better for attorneys?Simply put I want to practice in the states. Higher ceiling. Don't let that stop you from applying though, UBC and a couple others are still quite reputable here.
No on wells fargo. I'm in the middle of closing my accounts with them after they fucked something up then proceeded to hang up on me TWICE. Use a credit union.Wow another vote for a credit union haha i guess it really is the way to go. Thanks.
Also, silicon valley? Man, it's going to be more expensive than you think. Even after you reset your expectations.
Anyhow, not trying to deter you from law school, but I do try to heavily warn people going to law school of what's ahead because way too many people jump into law school thinking it'll be $$$ and then problems. If you want $$$, be a doctor. If you want to kick ass and enjoy your job and maybe make $$$, be a lawyer.
Don't sign up for any of the big banks like wells Fargo, chase, bank of America, etc.
Find a local credit union. There might be one for your school. Lower fees, better customer service and interest rates and yearly dividends from profits.
Don't sign up for any of the big banks like wells Fargo, chase, bank of America, etc.
Find a local credit union. There might be one for your school. Lower fees, better customer service and interest rates and yearly dividends from profits.
I have never really had any bad experiences with Chase but the fact that overdraft at my credit union is $4 as opposed to $35 and every loan I have ever applied for with Chase has had a ridiculous interest rate is enough for me to not recommend them.Don't sign up for any of the big banks like wells Fargo, chase, bank of America, etc.
Find a local credit union. There might be one for your school. Lower fees, better customer service and interest rates and yearly dividends from profits.
Can't say that I've had any problems with Wells Fargo.
:idont
Had heard bad things about Bank Of America's customer service.
Had heard bad things about Bank Of America's customer service.Bank of America is a wonderful company.
Based on 82 ratings out of 2,608 reviewshttps://www.consumeraffairs.com/finance/bofa.html
5 stars
1%
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1%
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1%
1 stars
96%
Based on 313 ratings out of 3,127 reviews
5 stars
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95%
When the Obama administration launched HAMP in 2009, Bank of America was by far the largest mortgage servicer in the program. It had twice as many loans eligible as the next largest bank. The former employees say that, in response to this crush of struggling homeowners, the bank often misled them and denied applications for bogus reasons.
Sometimes, homeowners were simply denied en masse in a procedure called a “blitz,” said William Wilson, Jr., who worked as an underwriter and manager from 2010 until 2012. As part of the modification applications, homeowners were required to send in documents with their financial information. About twice a month, Wilson said, the bank ordered that all files with documentation 60 or more days old simply be denied. “During a blitz, a single team would decline between 600 and 1,500 modification files at a time,” he said in the sworn declaration. To justify the denials, employees produced fictitious reasons, for instance saying the homeowner had not sent in the required documents, when in actuality, they had.
Five of the former Bank of America employees stated that they were encouraged to mislead customers. “We were told to lie to customers and claim that Bank of America had not received documents it had requested,” said Simone Gordon, who worked at the bank from 2007 until early 2012 as a senior collector. “We were told that admitting that the Bank received documents ‘would open a can of worms,’” she said, since the bank was required to underwrite applications within 30 days of receiving documents and didn’t have adequate staff. Wilson said each underwriter commonly had 400 outstanding applications awaiting review.
Anxious homeowners calling in for an update on their application were frequently told that their applications were “under review” when, in fact, nothing had been done in months, or the application had already been denied, four former employees said.
Employees were rewarded for denying applications and referring customers to foreclosure, according to the statements. Gordon said collectors “who placed ten or more accounts into foreclosure in a given month received a $500 bonus.” Other rewards included gift cards to retail stores or restaurants, said Gordon and Theresa Terrelonge, who worked as a collector from 2009 until 2010.
Jose De Santiago, a municipal inspector in Mission Viejo, California, was in the midst of a modification in December 2011 when he got the letter: He had five days to leave his two-bedroom condo. De Santiago, 43, spent Christmas packing his belongings with his son Joseph, then 13, and was out the next day.
After a Bloomberg News reporter alerted the lender’s communications department, Bank of America bought the condo from Alton Holdings Inc., which had purchased it in a foreclosure auction. A bank lawyer apologized, and De Santiago was allowed to move back after two weeks.
Bank of America offered $5,000 to compensate him for furniture lost in the eviction, according to a draft of a proposed settlement. De Santiago refused because he would have had to sign a liability release, he said. He’s still fighting the lender to get it to repair his credit scores.
“They asked me to put in writing how well they treated me,” De Santiago said. “I can’t believe Bank of America was allowed to do the horrible things it did to me and others.” Bank of America’s Sturzenegger said some customers who should have received government assistance may have fallen through the cracks of the system the lender created.
“If you went back and re-reviewed the documents, based on today, would they have qualified for HAMP?” Sturzenegger said. “Possibly. That’s the best way to answer it.”
One early conversation took place on Dec. 8, 2009. It was with a Bank of America representative who identified himself as “Brian.” Morrow said “Brian” told him that he and his wife were locked in for a loan modification program. If they successfully made reduced trial payments for three to four months, Morrow said he was told, their loan modification would be made permanent.
After the whole thing unraveled and the Morrows filed suit, one of the defenses made by Bank of America was that, according to its records, Morrow had not spoken with anyone by the name of Brian on the date in question. On Dec. 8, 2009, the bank said, Morrow spoke with a customer service representative in India by the name of Sunil Kumar.
Heenan later deposed Kumar by telephone. Heenan said Kumar told him, “We all use American names” when speaking with customers.
And what American name did Kumar use? “Brian,” he told Heenan.
The bank has also settled two major actions by the federal government related to its foreclosure practices. In early 2012, 49 state attorneys general and the federal government crafted a settlement that, among other things, provided cash payments to Bank of America borrowers who had lost their home to foreclosure. Authorities recently began mailing out those checks of about $1,480 for each homeowner. Earlier this year, federal bank regulators arrived at a settlement that also resulted in payments to affected borrowers, though most received $500 or less.
I like Verizon :doge
Half that seems like android problems tho :dogeI like Verizon :doge
CDMA
Lock-in
Most expensive prices
Shitty customer service
Shits up phones with crapware and stupid hardware modifications (looking at you, DROID line)
For the record I had a Galaxy Nexus 4G on Verizon for two years. The service overall was great, but I care more about the phone than anything and Verizon's shitty ass ain't getting no mo' Nexuses.
The CDMA thing is enough to turn me off completely these days.
Half that seems like android problems tho :dogeI like Verizon :doge
CDMA
Lock-in
Most expensive prices
Shitty customer service
Shits up phones with crapware and stupid hardware modifications (looking at you, DROID line)
For the record I had a Galaxy Nexus 4G on Verizon for two years. The service overall was great, but I care more about the phone than anything and Verizon's shitty ass ain't getting no mo' Nexuses.
The CDMA thing is enough to turn me off completely these days.
Thank you again for the replies.Credit unions don't usually have their own ATM's except at their branches. But they do have "shared" branches where they partner with other credit unions and you can use their ATM's. Credit Unions take a bit more research but are well worth it. And like I said, my credit union will let me pull out cash at any ATM for free 20 times per year. That tends to be way more than necessary for me because you don't have to fuck with cash much in day to day life.
Do credit unions have their own abundance of ATMs or would I mostly be using credit/debit or withdrawing cash at the actual branch?
Switching gears a bit, where do people shop for groceries? For anyone that has lived or traveled to both countries, what is the Superstore equivalent? (or "noname" brand equivalent even?)
Pricey. Prepare your bunghole.it's as prepared as it'll ever be
I am paying $1,700 a month for a 1 bedroom apartment.spoiler (click to show/hide)In Nashville
:neogaf
:snoop[close]
I've found that mobile coverage is way too dependent on your particular location. I'd wait til you get there and talk to some people about what they recommend. Tmobile and Sprint in Houston are absolute crap but I hear people from other cities or states say they have no issue
Thank you again for the replies.
Do credit unions have their own abundance of ATMs or would I mostly be using credit/debit or withdrawing cash at the actual branch?
Switching gears a bit, where do people shop for groceries? For anyone that has lived or traveled to both countries, what is the Superstore equivalent? (or "noname" brand equivalent even?)
Yea I also forgot US doesn't use chips on their cards yet :cancryI've found that mobile coverage is way too dependent on your particular location. I'd wait til you get there and talk to some people about what they recommend. Tmobile and Sprint in Houston are absolute crap but I hear people from other cities or states say they have no issue
T-mobile is spotty as hell in general, but their service when I was on them was pretty :preach level. I guess it's the benefit of being a cheap third-party from Germany and not a "main telco."
I have a Verizon phone and the coverage is alright, but I hate the service. :lolThank you again for the replies.
Do credit unions have their own abundance of ATMs or would I mostly be using credit/debit or withdrawing cash at the actual branch?
Switching gears a bit, where do people shop for groceries? For anyone that has lived or traveled to both countries, what is the Superstore equivalent? (or "noname" brand equivalent even?)
Depends. The local credit union I use has ATM's around about 4-6 counties in the state. Most in rural areas and their branches are in towns. But if you're wanting to use an ATM that isn't those, you can go to a local supermarket and use theirs.
BUT, I'd be paranoid about credit card skimmers in general. I know not everyone is hit with those, but since the US is still using Magstripe cards, you might want to be kinda paranoid about your accounts.
Yea I also forgot US doesn't use chips on their cards yet :cancry
Though I like swiping more than shoving it up into the thing. :usacry
Yea I also forgot US doesn't use chips on their cards yet :cancryI've found that mobile coverage is way too dependent on your particular location. I'd wait til you get there and talk to some people about what they recommend. Tmobile and Sprint in Houston are absolute crap but I hear people from other cities or states say they have no issue
T-mobile is spotty as hell in general, but their service when I was on them was pretty :preach level. I guess it's the benefit of being a cheap third-party from Germany and not a "main telco."
I have a Verizon phone and the coverage is alright, but I hate the service. :lolThank you again for the replies.
Do credit unions have their own abundance of ATMs or would I mostly be using credit/debit or withdrawing cash at the actual branch?
Switching gears a bit, where do people shop for groceries? For anyone that has lived or traveled to both countries, what is the Superstore equivalent? (or "noname" brand equivalent even?)
Depends. The local credit union I use has ATM's around about 4-6 counties in the state. Most in rural areas and their branches are in towns. But if you're wanting to use an ATM that isn't those, you can go to a local supermarket and use theirs.
BUT, I'd be paranoid about credit card skimmers in general. I know not everyone is hit with those, but since the US is still using Magstripe cards, you might want to be kinda paranoid about your accounts.
brehs that fuckin I-5 highway
:trash
but those American flags every 100 meters (328 ft. plebs)
:obama