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|Wednesday, November 16th, 2011|
Преграды для покупки облигаций в РФ для рядовых инвесторов
Оригинал взят у ivanshivan
в Преграды для покупки облигаций в РФ для рядовых инвесторов
Почему существуют у ряда инвестбанков ограничения на включение в рассылку для инвесторов при размещении по открытой подписке? На мой взгляд, это противоречит самой сути этого вида подписки. С другой стороны, возможно, эта позиция продиктована тем, что если облигации по открытой подписке будут доступны всем, то депозиты будут не столь востребованы. Рынок же облигаций пока мало освоен физлицами по причине малой финансовой грамотности подавляющей части населения, которая по привычке пользуется только депозитами и кредитами, не имея ни малейшего представления о брокерских счетах, ПИФах и других, не менее интересных инструментах для инвестирования.
|Sunday, March 21st, 2010|
I've written the second article in my series. This one is about using an individual voluntary arrangement (IVA) to clear debts:IVA Advice
|Friday, March 19th, 2010|
|Thursday, December 10th, 2009|
|Friday, April 17th, 2009|
you have to take the disclosures!
I hate when you're going over the account disclosures and the customer keeps interrupting you because they do not to know how much you are going to charge them for overdraft fees. These are always the customers that are going to cause the most problems because they will overdraw their account and then tell you that no one told them about the fees or the dreaded $8 a day we charge after your account has been overdrawn for 4 days. My response is to add extra remarks to their account to make it known that I did go over the fees, but the customer did not care to listen.
More tales from the bank posted on my blog.
|Thursday, April 2nd, 2009|
If you want check copies for the last year, we need the check numbers you want copies of. If you do not have the check numbers we have to have the research department find the checks. This means you will be charged a per hour research fee, as well as a fee for the check copies. I am sorry you do not think this is fair, but you have no idea how much work you are putting us to....
|Tuesday, March 31st, 2009|
Banking note... if someone gives you their ATM card and you aren't on the account... Don't go into the branch of the bank and try to withdraw funds out of their account and then act stupified and frustrated why we confiscate the ATM card and refuse to give you money...
|Friday, March 27th, 2009|
"Can I deposit this check into my bank account?"
Oh, no, sorry, we don't do deposits at this bank. lmao
|Thursday, March 26th, 2009|
Just because you are the Personal Rep for this person, it does NOT mean you can sign the deceased's name and cash the check through your personal account. We told you this last week. You need to open an estate account! Grrrr.
|Wednesday, March 25th, 2009|
CAN I GET NEW BILLS AND CRISP FIVES PLEASE?
*sighs* Current Mood: silly
|Saturday, March 7th, 2009|
Oh Hooray! A group of folks that will understand!!!!! And on to the rant..
I am sorry, I don't care how pissy you get sir, I will not be opening a checking account for your underage son without you signing on it as well. That is our policy. I do not care if other banks will allow this, my supervisor will not, nor will his supervisor.
|Friday, March 6th, 2009|
|Tuesday, December 30th, 2008|
good thing i didn't make the call...
we received a night drop deposit from our most irate regular members...
it was three checks... not one of them was negotiable....
one of them was completely blank...
one of them was not signed...
one of them was signed on the memo line...
we kinda drew straws to see who was going to call her and explain to her why we can't take her deposit...
if it would've been up to me i would've just mailed them back to her because she's just so mean to us...
|Tuesday, October 7th, 2008|
I've been working as a PT teller for 6 weeks now with no problems, then today I go to balance before I leave and I'm short $5! My manager didn't really say anything, I had to fill out a slip that had how much I was off on it, and all that. But I felt really bad. I'm only there for a couple hours a day, I have no idea what I could have done! Have any of you been off on the balance before? What happened?
|Friday, September 12th, 2008|
Biggest Pet Peeve
I feel the need to bitch. I like my job. I really do, I don't love it but it's tolerable but most of my pet peeves include something about work. However my number one pet peeve as of late is when people walk over, grab a deposit or withdrawal slip and decide to walk over to my teller station to fill it out. I mean what the hell?
We have a nice little table where you got the damn slip with pens and a calculator, but instead you choose to walk over to my teller station, making other people wait and try to do the math with your tiny little brain for 10 minutes. When you finally hand me the slip, you are only depositing a $10 check and want $5 back. What took you so long to figure that out? Meanwhile, I'm forced to sit there and stare at your ugly mug wondering what the fuck is taking you do damn long. Current Mood: irritated
|Friday, August 1st, 2008|
Foreign Transaction Rates
I'm afraid I know nothing about the banking world save what horror stories my friend has from his days as a teller.
I come bearing a question. I'm moving overseas for a long while (approximately two years) and would like to continue using my debit card while overseas. Every bank has different foreign transaction rates, and I'm trying to find the best one. Do you have recommendations? Or is there even such a thing as a bank which offers these services for free, i.e. I don't don't have to pay the bank every time I swipe my debit card or do an ATM transaction? Current Mood: busy
|Friday, July 11th, 2008|
I just quit my job at the bank after being left by myself when it wasn' t even my night to close last night. I was told it was all my fault and I should RESPECT my shitty branch manager.
She also called me a "little bitch" before I almost knocked her out and left.
Good luck in the banking world! Don't trust anyone-- at the end of the day they only look out for themselves!
|Saturday, May 3rd, 2008|
Tell me if I'm wrong for letting this annoy me.
Our assistant manager is really sweet. Too sweet. There's a bunch of customers who drop off their checkbooks every week and she balances them. And then they come back a day later to pick them up. I think she's being taken advantage of.
|Friday, May 2nd, 2008|
Craziest Customer Ever...
I had this customer go absolutely crazy in the lobby over the fact I had not personally greeted her when she walked in. We have two personal bankers, I am one, and was coming back from lunch. My co-banker said hello, asked her what she needed, how her day was going, she said that she "was going through a really tough emotional time right now and didn't want to talk to him." She then finished her transaction with the teller, and ran (and I'm not exaggerating) over to my desk I had just sat at, coming back from lunch as I was, and lost it. Just lost it. "I have $50,000 at this bank ,and you just better rememeber my face because when I come back, and you won't know when that will be, I want EVERY SINGLE EMPLOYEE at this bank to personally greet me and make me feel welcome and wanted here. You did not greet me. You DID NOT greet me. Why? Why didn't you greet me (peers at my nametag) Kim? Huh? Why, Kim?"
I kind of stared at her, trying to figure out if this was a joke or not.
I'm trying to figure out exactly what happened (this is the craziest one I've had in a while and you all know how you tend to dwell on it, especially when you can't figure it out). But I am hoping she comes back soon so I can ignore her.
|Wednesday, April 2nd, 2008|
We got two of the best counterfeit hundreds I've ever seen today. At quick glance, they had the security strip and the watermark. Even my currency counter didn't catch it. The thing that made the other teller look closer at them was the way they felt. They felt slightly thicker than a regular bill. When we looked at them a little closer, you could see the watermark printed (almost embossed) on the back and the lines weren't as sharp. When we compared them with a real bill on the light table, the security strip was a different color. Crazy stuff. They were so good, I would have taken them in and the other two managers that were there today said the same.
Unfortunately, the teller doesn't know where they came from. We don't know if they came in a Fed strap or if they came from a customer. I feel really bad that he's going to have to take the outage.
Has anybody else seen any good counterfeits?