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Old 10-06-2010, 05:48 AM   #51
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I would not put it in such a extreme words as Emil but checks really are obsolete! We used checks and get paid via checks in the communist times! The moment the first signs of free democracy showed the checks were gone and thankfully so. It is baffling to me that the supposedly the most advanced country in the world is still using this ancient form of payment.(but then again you still dont use metric system).Even more ridiculous is paying with checks - I dont even remember the times when someone paid via check in the store..so can anyone explain why is this??I remember when I was a kid USA was light years ahead of everyone..Now the rest of the world is advancing but you still cling to old "habbits"...what gives? Sometiems I get a feeling that you do it so you can just flip a finger to the world and say "America! Fuck yeah!!!"

About wires etc: I have no idea which bank (issuing or receiving) charges but yes,it usually costs around $50 per wire no matter the amount when I get wire from USA.

However I dont know how you call it but transfers between accounts of different banks in different countries all over EU cost just few euro if even that (might even be free). I think we use BIC or SWIFT code and that's it. The payment is done in matter of hours, maybe one day ...Wires take longer than this from USA to EU. All those non standard ways for transfers make additional cost probably when transferring from USA to EU..or there are some greedy bankers...

Cashing checks fee is different in different banks, some have %, some have fixed fee.I pay around 5€ for any check.

Last edited by adult-help; 10-06-2010 at 05:52 AM..
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Old 10-06-2010, 05:49 AM   #52
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Quote:
Originally Posted by a2000 View Post
I don t care if money are sent by check or by wire. Important is to get money not form of sending.
Lets say that you're going on a vacation. Does it matter if you go by airplane or camel? You'll get there anyway, right? Just curious...
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Old 10-06-2010, 05:50 AM   #53
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Originally Posted by TheDoc View Post
Looks like some Int banks can do it, it's called International ACH Transaction (IAT). Either way, I know an International bank sent me an ACH payment just a few days ago, I think it cleared on Saturday.
http://en.wikipedia.org/wiki/Automated_Clearing_House

i think i just have to get a US bank account somehow. most mainstream programs will pay by ach/direct deposit anyway.

this month i went from posting pics of bukakke to getting a crash course about international banking systems for some reason.
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Old 10-06-2010, 05:50 AM   #54
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Originally Posted by Adraco View Post
If in Sweden, call up the Wallenberg Bank, SEB, at 0771-365 365, wait for an operator.
If they even know what a wire is, they will then tell you that they will charge you 150 SEK (~$20) per transfer, just for RECEIVING a transfer.

Now, there is always a possibility for the sender to opt to pay the receivers costs also. Then those costs are covered in the sender fee and thus not assessed upon the receiving account.

S.E. Asia is not a country but a region. And as such, not the most advanced in the world. They do not have any leading banking system there, and not all countries in the region have banking systems working the same as their neighbour. It might be true for a single country or bank because they already have so much staff they can assign to this since manpower is cheap and they like to get USD currency coming in, it will not apply to an entire region.
You still not get it
you must be a real moron
MY BANK DON'T CHARGE ME ANY FEES
end of the discussion
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Old 10-06-2010, 05:50 AM   #55
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I dont care if I have to pay ~$50 for the company to send out the wire, just do it. It cost me money too cash checks too. Checks are what retards use to send money. I bet most of you people who send out checks drive a T-ford and dont even own a fucking phone.
It's completely different in the U.S. The others have mentioned why but I will rehash.

Advantages of checks in America:

1. No fees to cash.
2. You can take them to any of your bank accounts (or even Walmart ) to deposit or cash.
3. Banks here typically credit the money within 48 hours.
4. Sponsors typically charge no fees for checks or very low fees.
5. The mail system is typically 99.9% reliable.


Disadvantages of Wires in America (for small to medium amounts)

1. Sponsor typically charges high fees ($10 - $50)
2. Receiving bank typically charges high fees to receive
3. Tends to attract more attention than ACH or checks.
4. Less safeguards.

Actually our ACH (http://en.wikipedia.org/wiki/Automated_Clearing_House) is probably more like the way your wires work over here. Generally there are no fees in using it but not all sponsors offer it. There is also the minor potential disadvantage of not being able to decide which bank account to deposit money on the fly if that matters to you. Our ACH is typically easier to set up as well.
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Old 10-06-2010, 05:57 AM   #56
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there seems to be cheap methods of bank transfers but limited just within countries or regions.

although it seems that you can recieve ach paymets through payoneer so that may be a solution for international webmasters.

http://techcrunch.com/2008/07/09/pay...sh-out-easier/

now the question is why hardly any programs offer ach payments?

Quote:
Originally Posted by adult-help View Post
I would not put it in such a extreme words as Emil but checks really are obsolete! We used checks and get paid via checks in the communist times! The moment the first signs of free democracy showed the checks were gone and thankfully so. It is baffling to me that the supposedly the most advanced country in the world is still using this ancient form of payment..Even more ridiculous is paying with checks - I dont even remember the times when someone paid via check in the store..so can anyone explain why is this??I remember when I was a kid USA was light years ahead of everyone..Now the rest of the world is advancing but you still cling to old "habbits"...what gives?

About wires etc: I have no idea which bank (issuing or receiving) charges but yes,it usually costs around $50 per wire no matter the amount when I get wire from USA.

However I dont know how you call it but transfers between accounts of different banks in different countries all over EU cost just few euro if even that (might even be free). I think we use BIC or SWIFT code and that's it. The payment is done in matter of hours, maybe one day ...Wires take longer than this from USA to EU. All those non standard ways for transfers make additional cost probably when transferring from USA to EU..or there are some greedy bankers...

Cashing checks fee is different in different banks, some have %, some have fixed fee.I pay around 5? for any check.
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Old 10-06-2010, 06:08 AM   #57
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You still not get it
you must be a real moron
MY BANK DON'T CHARGE ME ANY FEES
end of the discussion
My bank = "all banks in Sweden"???

Good argument there, you really seem to get it... NOT
Thank you for trying, now you may go away.
I have some real money to be made, as this is just a side business and timefiller for lonely nights in hotelrooms, flights and waiting for my next meeting.

Please come back and play again!
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Old 10-06-2010, 06:09 AM   #58
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Now I know why companies like to send out checks. They dont have to pay out the money! Look what I found here at home:


11 old checks that I haven't cashed because it's a pain in the ass to go to the bank and do it because they never know how to handle the checks because they dont use obsolete payment-methods like USA do. I bet I can find more.
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Last edited by Emil; 10-06-2010 at 06:11 AM..
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Old 10-06-2010, 06:10 AM   #59
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You still not get it
you must be a real moron
MY BANK DON'T CHARGE ME ANY FEES
end of the discussion
Ok, but others do.
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Old 10-06-2010, 06:12 AM   #60
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That degree obviously didn't include geography. Unless that is, that you've worked in Antarctica?
True, a degree in finance seldom incorporate any special courses in geography.
I worked on a volunteer project about ten years ago for some people who where going to ski accross the Antarctica. We handled their food supplies, did medical checks and so on. Darn freezing cold place, but very exiting to at least have seen and experienced. Very doubtful if I would ever go back.
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Old 10-06-2010, 06:13 AM   #61
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You still not get it
you must be a real moron
MY BANK DON'T CHARGE ME ANY FEES
end of the discussion
I dont think my bank charge me anything either to receive a wire-transfer. Only the sponsors do...
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Old 10-06-2010, 06:19 AM   #62
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Old 10-06-2010, 06:20 AM   #63
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True, a degree in finance seldom incorporate any special courses in geography.
I worked on a volunteer project about ten years ago for some people who where going to ski accross the Antarctica. We handled their food supplies, did medical checks and so on. Darn freezing cold place, but very exiting to at least have seen and experienced. Very doubtful if I would ever go back.
Yeah, and I'm there right now, living with the penguins.
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Old 10-06-2010, 06:26 AM   #64
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My bank = "all banks in Sweden"???

Good argument there, you really seem to get it... NOT
Thank you for trying, now you may go away.
I have some real money to be made, as this is just a side business and timefiller for lonely nights in hotelrooms, flights and waiting for my next meeting.

Please come back and play again!
No banks in EU are allowed to charge fees for wire transactions in euro within EU.
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Old 10-06-2010, 06:30 AM   #65
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answer is simple. everyone should make an account in one bank (St. Kitts-Nevis-Anguilla National Bank for example ) and then wires will cost us only $2
I've never seen a webmaster advertise that their sales are fraudulent in their sig before... interesting approach...
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Old 10-06-2010, 06:47 AM   #66
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..or there are some greedy bankers...
this is the most logical explanation.
Every big bank in a country has branches connected to big banks all over the world. So there is no other explanation why transfers within EU are free but from USA to EU are crazy expensive. Its just greed. The cost of electronic transfers are almost none. I bet it are the fossils in banking who have the real power in the US who are responsible for not throwing out their old system of checks... because they probably make more money this way. Only explanation.
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Old 10-06-2010, 07:02 AM   #67
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and thats exactly what i'm talking about
it's FREE in Sweden and in my other bank in s.e Asia
Funny dat. I hold a Norwegian passporte and a Canadian residency card, got bank accounts in Norway, Sweden, Denmark, Belgium and Canada and have yet to ever see a free wire. Wires have sending fees and receiving fees. The only way I can see you having "free" wire is if they baked it into your existing monthly/yearly fee structure. You swedish?

btw. Banking in North America is different than you are used to from Scandinavia. Don't try to fight it, you are on the loosing end my friend.
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Old 10-06-2010, 07:20 AM   #68
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Not sure why the need to sling names and ridicule over this. People are going to select the payment methods that work for them, what do you care what they do? Kind of an idiotic thread in my view.

In my case I happen to love getting cheques. For larger payments yes I do take wires, and in fact get at least one regular wire payment from at least one of my sponsors... and yes, there is a fee at my end from my bank.

But there is no fee for depositing cheques. I simply set up a USD account at my bank, and deposit sponsor's cheques directly into that account. USD funds into USD account = NO DEPOSIT FEES. At least at all the banks I've been dealing with here. I guess Canadian banks know something foriegn banks don't?

Sorry, cheques are cool in my book. I love checking the mail and finding them. I love how they accumulate on my computer desk, and I love taking them into my bank (which I go to every couple of weeks anyway) and depositing them.

You obviously don't agree, so why not just do your own thing your own way and shaddap about worrying what guys like me do?

Cheers. Love to all. :D
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Old 10-06-2010, 07:57 AM   #69
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God, you're retarded!
You don't even show any signs of knowing what a wire is. A wire is an instant transfer, where money is being dialed in, usually via phonelines. Direct contact between the banks, they watch the funds clear in real time and deal is done (often no money is transferred in real time, but an account is virtually credited, then a final clearing is done at night, which is why such things as overnight limits and overdrafts exists, but that's probably above your head).

What you are referring to, and what is free, in most European countries, is what Americans know as ACH. There is a payment directive in place in Europe, effective from July 1st 2010, where it stipulates that intra European transfers are to be free and done within a day, in one or two years. Transferring from one account in one bank, to your friends account in the same bank is usually instant or within the hour.

You should really try to get out more, you surely show how ignorant and unknowing you are with your post. Next time, try to read up on things, before just running your mouth.
In the time I was active in adult checks and wires were all that was available and ACH was for US only. Is that still the case?

The last few years I dealt mainly with British companies so I am used to the EU system.

Sorry if this may sound like a dumb question, but if ya want an answer ya gotta ask
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Old 10-06-2010, 08:20 AM   #70
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I always do what costs the least amount.

I live in the Us and deposit 5 or more checks each week into my business account for a cost of $0. Monthly fee for my business account is $0.

I can understand in other countries there are different fees, And agree a person should do what is best for them. But I cannot understand why it makes Americans Idiots for doing what is free!
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Old 10-06-2010, 08:49 AM   #71
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For me:
checks and ACH = FREE
Wire = 2 charges, one from the sender (passed on to me) and one from my bank...
Kind of a no-brainer on the choice there..
Quote:
Originally Posted by ajrocks View Post
Americans write personal checks when they are shopping. I've been in line to by groceries and have to wait 30 extra minutes because everyone in front of me is paying by check. Its fuckin crazy!
Did the person keep filling out the check wrong and have to re-write 30 of them until they got it right? lol

(I rarely write checks, on average just 2 a month, 1 for rent and 1 for dental insurance because there is no other way to pay... )

Speaking as a person from the USA, I prefer ACH, but the nice thing about accepting checks is they are free and I can deposit them at my ATM plus the money is in my account the same day. (scans each checks account numbers, and as long as I deposit before 4PM, it's in my account by 8PM).
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Old 10-06-2010, 09:01 AM   #72
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I'm always happy when I find check in my postbox, what I really hate is waiting 20 day until bank loads that money to my account and paying about 5 dollars for every check. Don't mentioning how long it takes to receive the check, once I have received check more than month after it was sent from USA and there was some Malaisian?? mail stamps on it..
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Old 10-06-2010, 09:08 AM   #73
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Direct Deposit or ACH Deposit.... Far cheaper than wires, often free with many banks and faster too.
yup ACH is the way to go
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Old 10-06-2010, 09:16 AM   #74
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If wires were free, then they wouldnt cost $50.

And you can quote me on that.
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Old 10-06-2010, 09:36 AM   #75
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Got so used to epassporte the last few years I forgot the pain of cashing checks. Step into a bank with those here and theyll look at you like youre some fucking peasant.

Every year I go through my huge pile of paper on the desk and find forgotten uncashed checks. These things are an abomination. Burn.
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Old 10-06-2010, 09:53 AM   #76
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you really must have a pathetic life if you have to start a post calling others idiots for still using checks.
Who would have thunk it would have taking something so trivial as checks to pull a Swede out of neutrality
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Old 10-06-2010, 10:01 AM   #77
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I've been getting cheques since I started in this business. Never had a problem.
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Old 10-06-2010, 11:37 AM   #78
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Originally Posted by TheDoc
International can send ACH to an American bank, I just got one a few days back. I don't see why I couldn't send back if they could send to me.
Never heard of this but it is encouraging.
Quote:
Originally Posted by ajrocks
Americans write personal checks when they are shopping. I've been in line to by groceries and have to wait 30 extra minutes because everyone in front of me is paying by check. Its fuckin crazy! Stores would never take a personal check in Canada!
Most stores use Telecredit, they insure check payment to stores for like 3% to 5% of the amount. I see people using debit cards now most of the time.


It is free to receive ACH payments in the USA at my bank. To send out ACH is a small fee .30 or so.

Problem is the bank must allow you to be an ACH sender. ACH is a debit/credit transaction. You can take out payments also, e.g., the electric co or your credit cards. (Taking the payment amount due.) So, there is some security risk. One bank I use wanted $40 a month to list what I would allow ($480.00/yr).

I self-insure, I have only one account that I use for ACH receipts and keep a balance of around $500 -$1,500 in it so there are no checking account fees and any risk I have is limited to THAT account's balance.
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Old 10-06-2010, 11:48 AM   #79
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I dont think my bank charge me anything either to receive a wire-transfer. Only the sponsors do...
Then your using the wrong sponsor, use Smartbucks with no wire fees to affiliates!
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Old 10-06-2010, 12:37 PM   #80
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WHY do you still use your fucking checks all you American retards! Use WIRE!!!!!!!!!!!!!!!!!!!!!!
Hey Stoopid NON-Americans:

Take a fucking shower every once in a while
Get some goddamned air-conditioning already
Learn to spell ENGLISH if you are going to BASH Americans


And oh yeah - shut the fuck up or we'll nuke your retarded asses.

Or, as you might say:
We'll NOOK you.
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Old 10-06-2010, 01:15 PM   #81
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I've never had what people call a "normal" job in my life. So fuck you.
Been following your posting here to see how funny it can go. You lie. Every other person in Sweden works in Ericcsson
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Old 10-06-2010, 01:16 PM   #82
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Hey Stoopid NON-Americans:

Take a fucking shower every once in a while
Get some goddamned air-conditioning already
Learn to spell ENGLISH if you are going to BASH Americans


And oh yeah - shut the fuck up or we'll nuke your retarded asses.

Or, as you might say:
We'll NOOK you.
Small cock?
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Old 10-06-2010, 01:17 PM   #83
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I've been getting cheques since I started in this business. Never had a problem.
Dood, Glen Erin drive is a good area? No homos?
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Old 10-06-2010, 01:19 PM   #84
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Now I know why companies like to send out checks. They dont have to pay out the money! Look what I found here at home:


11 old checks that I haven't cashed because it's a pain in the ass to go to the bank and do it because they never know how to handle the checks because they dont use obsolete payment-methods like USA do. I bet I can find more.
Good earnings you have i guess if you keep void checks at home.
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Old 10-06-2010, 02:05 PM   #85
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There's no standard in banking whatsoever. Regarding EU. Usually wires are NOT free either. Recently vast majority of the banks adhered to SCT (SEPA credit transfer) which takes not more than 3 days and is completeyl free of charge as well as no external fees (what you send out is what the beneficiary recipient is receiving). By 2011 SDD – SEPA Direct Debit will also be available and also SEPA Credit cards (all EMV chip enabled).
Nonetheless, while US is not willing to adopt the IBAN account form (which should be really) it is understandable they will stick to checks. That's because they dont use IBAN accounts, hence payments to U.S. bank accounts from outside the U.S. are prone to errors of routing. Ideally there will be a standard to which all banks worldwide should adhere.
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Old 10-06-2010, 02:10 PM   #86
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Small cock?
Yes, but that is irrelevant to the stellar points I made.
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Old 10-06-2010, 02:28 PM   #87
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Wires within the EU are free for me to send and receive, International wires cost $7 to send. This should be standard IMO
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Old 10-06-2010, 02:33 PM   #88
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Banks don't take any wire fees, it's the company that charge that.
Most wires in the US cost between $20 -$35 to send.

Checks cost $0...

I'll stick with checks thanks.
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Old 10-06-2010, 02:37 PM   #89
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I have a solution for you, stop doing business with US companies if you don't want to receive checks. How's that? and btw, stfu. thanks
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Old 10-06-2010, 02:40 PM   #90
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Good earnings you have i guess if you keep void checks at home.
I wrote VOID on it myself because I'm sending it back to the company that sent it...
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Old 10-06-2010, 02:43 PM   #91
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I have a solution for you, stop doing business with US companies if you don't want to receive checks. How's that? and btw, stfu. thanks
I will soon, when the US economy crashes and China takes over as the world leader.
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Old 10-06-2010, 02:45 PM   #92
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Been following your posting here to see how funny it can go. You lie. Every other person in Sweden works in Ericcsson
Heh, I worked there for 4 days when I was in school. But that doesn't count!
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Old 10-06-2010, 02:47 PM   #93
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Hey Stoopid NON-Americans:

Take a fucking shower every once in a while
Get some goddamned air-conditioning already
Learn to spell ENGLISH if you are going to BASH Americans


And oh yeah - shut the fuck up or we'll nuke your retarded asses.

Or, as you might say:
We'll NOOK you.
1: I shower everyday.
2: Why would I need air-conditioning?
3: It seems my English is good enough, just look at all the angry Americans in this thread.
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Old 10-06-2010, 02:48 PM   #94
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The amount of paperwork the teller has to fill out for each check here in Australia is ridiculous and when you take multiple checks in you are in for a long ass wait. You can see the look of dread on the poor girls face when she recognizes me when as lucky ticket 100 and I siddle up with US checks in hand.
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Old 10-06-2010, 03:23 PM   #95
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Some banks here charge obscene fees for international wires...I wanna say some do as high as $60 or even higher. The larger national banks aren't as high thankfully.
Yeah, my bank in Argentina charges about $50 per transaction, plus about $40/$50 from the Standard Chartered Bank used to route the money to my bank´s account!
Too high!
This amount is for any wire upto $20k
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Old 10-06-2010, 03:36 PM   #96
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I have a solution for you, stop doing business with US companies if you don't want to receive checks. How's that? and btw, stfu. thanks
you are the personification of the stupid big-ego ignorant american. congrats.
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Old 10-06-2010, 04:51 PM   #97
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I will soon, when the US economy crashes and China takes over as the world leader.
If china tries to take over we will take our walmart product production business and go else where...Laughing!!
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Old 10-06-2010, 04:58 PM   #98
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I will soon, when the US economy crashes and China takes over as the world leader.
great logic there... I am sure China is going to lead the way in making sure porn webmasters get their payments. China is so porn friendly.
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Old 10-06-2010, 05:04 PM   #99
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Well, dearest EUROPEANS (who say they shower every day - right) all I can say is:

Without America you'd be.......
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Old 10-06-2010, 05:36 PM   #100
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I typed into google "retarded american pictures and clicked the first link.

Seriously it takes you to a very nasty fake virus whatever.

So much hate. But who pays who.
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