Skip to main content

DISCLOSURES - Cookies

I think this site uses cookies to analyze traffic and for ads measurement purposes. I'm not really sure, I don't do techy stuff. I built it on Google's Blogger platform, ask them. I put this here because some IDIOT BONEHEADS thought you needed new laws. Here're some links if you want more information.

DISCLOSURES

Some lawyers stay up at night trying to ruin free society and create new rules. Therefore, here are the disclosures I must have that you probably won't read.

How to Avoid ATM Fees for the rest of your life!

I Don't Like Fees

I really don't like paying fees, especially when I can help it. I find that it's simply pouring money into a drain. Some of you don't really think about this. I know because I talk to some of you on a daily basis and I see it. Recently I talked to a young man who had been taking multiple $20 withdrawals from ATM's that don't belong to his bank. He pays his bank a $2.50 fee and the other bank that owns the ATM a $2.50 fee for each withdrawal. That is paying $5 on average to take money out of an ATM. $5 out of $20 is a 25% fee!

And yet I see people do this multiple times a month, month after month. This young man paid $60 in ATM fees in three months. It's ridiculous! Now before you go blaming the banks for being greedy let's take a moment to realize that SOMEONE has to pay for those machines and repair them and stock them, etc. But it doesn't have to be you paying them to do it. Let's talk about how...

How To Avoid ATM Fees

So here are the secrets of success when it comes to avoiding ATM Fees. It's actually very simple. Don't use a Non-YourBankHere ATM. Sounds simple right? OK, maybe not. You're out and about, realize you need cash for that thing you are doing later and you don't see and branches for your bank in sight. Before you go running to the ATM nearest you, here are some things to consider.

  1. Know Your Fees. Every bank, by law, has a fees and rates disclosure. Every bank has disclosures telling you any possible fee you could ever pay before you pay it. If you read through these you will find out what they are and avoid them. There really aren't any surprises unless you failed to read through the contract you agreed to. This Fees Disclosure makes it plain as day what fees you could pay, be familiar with them and make note of the ones that are likely to affect you. 
    1.  ChaseWells Fargo, Bank of America, all of them must have a disclosure telling you every possible fee you could pay.
    2. Some banks reverse the fee you paid them, some reverse the fee you paid the other bank, most don't. If you have that arrangement find out the parameters. You may find it's only the first 1 or 2 or 4 per month. 
  2. Use Your Bank's ATM. You bank probably isn't that far. Most people own a smart phone now days, or know someone who has one with you. If your bank has an ATM a mile out of your way, go there, take the extra minute, don't pay $5 to take $20 out! 
  3. Cash Back. What if I told you that you could pay $1.69 or even $0.68 to take your money out and you'd get a prize for doing it? 
    1. Nearly all of the Grocery Stores, Walmarts, Targets, and Gas Station Convenience stores in the United States offer "Cash Back". Rather than pay $5 and get nothing for it, pay $1.69 for a Dr Pepper and then when the machine asks Debit or Credit hit "Debit", enter you PIN, and request Cash Back "Yes". Now you paid $1.69 to take money instead of $5, you saved $3.31 and you got a Dr Pepper for it! Sometimes you just have to break down what you are really doing to yourself in basic math to see how silly it is. 
  4. More is Less. If you absolutely must use an ATM that doesn't belong to your bank and there is even the slightest chance you will need more money soon, take the limit. Take $100 or $300 instead of $20. I mean if you are going to pay $5 anyway at least taking more prevents you from paying $5 again tomorrow, or even later today. 

Save Money. Consider the Cost

It's ultimately up to you. You must count the cost. If you are paying for convenience and that's what you really need right now, it may be worth the fee once in a great while. I can guarantee you that if you are paying this fee more than a few times a year it's not worth the cost and you are failing to think through your money plan. Money has you running around instead of you telling your money what to do.

My preferred method of getting cash is Cash Back. It's the best way to go unless you have an ATM from your bank closer than the store. I'm at the store FAR more than I'm at or around any bank. Cash Back is the way to go!

Take the suggestions above and stop paying those fees!

Every dollar you spend today, is a dollar you can't spend tomorrow. 


Have thoughts or comments? Start a conversation below!

______________________________________________


By Darrell Wolfe

Tumblr DarrellWolfe
Facebook DarrellGWolfe
Twitter @DarrellWolfe
Google+ DarrellGWolfe
YouTube DarrellGWolfe


    Disclaimers:

    FOR MY FULL DISCLAIMER: See my "Start Here About" page. Click Here

    Information here is As-Is. These are the opinions of a fellow traveler and seeker of truth. I am not a doctor, lawyer, licensed financial advisor, tax preparer, etc, etc... I'm just one guy, sharing what he's learned. As such, the information may be as true or faulty as the guy on the buss stop giving you directions. If you need accurate information I encourage you to seek the help of a professional in your field. 

    * I do make money from this blog. 1 Tim 5:18 says the worker is worthy of his wages. I do earn affiliate commissions or freebies from some of the products I discuss at various points on this blog. Regardless I only suggest things that have personally helped me, or someone I know. If you click on an "Affiliate Link" and you buy something I'll get a cut. Thanks for your support! 

    I am a conservative Christian. I write from a bible-centric point of view. I welcome people from other points of view to jump into the conversation. If you don't like bible-centric writing: I encourage you not to read my posts.... Unless you want to learn something new. 

    * In all you do: Live Long and Prosper, with GOOD SUCCESS! 


    Thank you, Darrell Wolfe


    Comments

    DISCLOSURES

    DISCLOSURES

    Some lawyers stay up at night trying to ruin free society and create new rules. Therefore, here are the disclosures I must have that you probably won't read.

    Sign Up

    Consider Supporting This Site: Become a Patron! Sign Up so you don't miss a post:

    Special Delivery

    * indicates required

    View previous campaigns.

    Powered by MailChimp

    Darrell's Reading List


    Here are some books I've been reading lately:
    • Hacker: The Outlaw Chronicles (here) by Ted Dekker (Author). The story of a young Hacker girl, who went on a wild adventure into the supernatural realm beyond trying to save her mom, but saved her self too in the process.
    • Saint: A Paradise Novel (here) by Ted Dekker (Author). He's an assassin, or is he? He finds a secret to his past that unlocks supernatural abilities, at a cost.
    • For a full list of all my book suggestions, see my Amazon Store.

    Popular posts from this blog

    Research: Erase Hard Drive/ Thumb Drive

    2: DegaussingHard drives are nothing more than bottles of data held in place by magnetic glue. By removing the magnetic glue, you can create a breakdown of the underlying bits and bytes and scramble them in a way that's pretty tough to recover from. If the degaussing device used is good enough, you'll destroy all of the bits and bytes at the user level as well as the low-level formatting that makes it function as a drive. (If you're serious about data security, you'll use a powerful degausser.)
    Although degaussing might be looked at as a way of simply erasing a drive, it's actually a destructive mechanism, though it's not nearly as fun to watch as a shredder.
    Powerful degaussers will also render inoperable a drives servo motors and will damage the spindle motor of the drive. It truly is a paperweight when you're done.
    A really good degausser is expensive, but it doesn't cost as much as a really good shredder, and it might be enough for your needs. Also, it…

    Flavia Antoinette Wolfe: Here's what happened...

    Flavia Antoinette Wolfe died this morning (06/25/2018) at approximately 2:45 am PST. For update see
    http://www.darrellwolfe.com/2018/06/flavia-antoinette-wolfe-and-baby-wolfe.html?m=1

    The following is meant to answer some basic questions that everyone's asking me. I'd rather send a link then type or talk it out over and over. I'll add more memories and things later as I recall or rediscover. It's a little cathartic for me, to be able to get it out of my head anyway.

    The background leading up to this morning:


    On May 24, 2018, I got a text with a picture of a positive pregnancy test followed by "So... Boy, girl, twins?"We made appointments, got excited. Flavia was overweight but in generally good health otherwise, so-say-the-tests. However, the pregnancy hit her hard and fast. She said within a month of that test she was feeling like she did when she was six-months pregnant.06/06/2018: She took the boys to get Fro-Yo, it was nice outside, they decided to walk a…

    A Memorial Message of Hope

    My wife, Flavia Antoinette Wolfe, passed into Glory on 06/25/2018. This is the message/word God gave me.Dealing with Tragedy
    When tragedy strikes, we often compelled to ask questions and express doubts:
    • Why?
    • What if… a thousand what-ifs…
    • If only…
    • I should have/shouldn't have
    • Can God really be good?
    • Can the Bible really be true?

    The answer to why is simple, hard, and totally unsatisfying: This World Is Broken. 

    Sin entered the world, and through sin, death. BUT, God. So many powerful stories have a "but God" moment. Jesus came, he conquered death, and through him, our sorrow is lessened, and a drop of joy lies underneath.

    "These things I have spoken to you, that in Me you may have peace. In the world, you will have tribulation, but be of good cheer, I have overcome the world.” John 16:33 New King James Version (NKJV)

    You WILL have tribulation. That's just as much a promise as anything else in the bible. Trouble is here on this planet for all of us because of…

    Flavia Antoinette Wolfe (and Baby Wolfe) - Memorial Information Page

    Flavia Antoinette Wolfe (and Baby Wolfe, nickname "Blueberry") passed away on 06/25/2018. gofundme.com/flaviawolfememorial 



    Links and Contact:

    Honestly, Facebook and Facebook Messenger are the best places to reach Darrell.
    Darrell's Facebook Page(s) Self & JointFacebook Messenger: @darrellandflaviawolfeme@darrellwolfe.comMobile: 208-907-1617Flavia's Facebook PageHer Art Page: Creatively Unique ArtistExplanation of What HappenedGoFundMe Link: gofundme.com/flaviawolfememorial Memorial Photo AlbumMemorial Slide Show or on YouTube HereGood Grief Resources:Memorial Message of Hope (written)Jesse Duplantis: CLOSE ENCOUNTERS OF THE GOD KINDYouTube: Good Grief Playlist
    What Happened?

    For detail on what happened, click here.

    If the link doesn't work, paste this into your browser:

    http://www.darrellwolfe.com/2018/06/flavia-antoinette-wolfe-heres-what.html

    Shared Photo Album:

    I created a Google Photos album, ! Flavia Wolfe (link here), so that I could share photos of her. …

    Have you died yet today?

    Recently, I said I wasn't religious but I did have a relationship with Jesus. The person replied that is a "textbook" response for a Christian; therefore, I am a Christian; therefore, I am religious.

    I have to laugh because "religion" is the dead following of dead traditions. The difference between my two-way relationship with a real living person (Jesus) and a religious person is the difference between a Tree and a Motorcycle. They have nothing to do with one-another.

    Yet, I can see how they get it. Religious people would read this passage and see something totally different than I see, yet we read the same passage.
    ...anyone who has died has been set free from sin... In the same way, count yourselves dead to sin but alive to God in Christ Jesus... Don’t you know that when you offer yourselves to someone as obedient slaves, you are slaves of the one you obey—whether you are slaves to sin, which leads to death, or to obedience, which leads to righteousness? Roma…

    Other sites I follow: