There is an increasing level of financial uncertainty amongst the citizens of the US, a situation which is not helped by indecisive government or an inherent absence of concise fiscal planning. As the federal government continue to debate the details of spending cuts for the coming fiscal year, so too increasingly inappropriate financial fees and charges are being applied to everyday functions, serving only to make a a difficult existence even more troublesome for family units and individuals of the numerous states.
Put simply, a disproportionate burden of the nations debt is been placed upon the shoulders of ordinary citizens, with the inevitable consequence that they are finding it difficult to manage their finances. It is a frequent but distasteful corollary of many recessions, whereby an issue caused in the main by irresponsible government expenditure or lending becomes an issue for the people, leaving them to face economic constraints amidst rising unemployment and social hardship.
Rising ATM Fees in the US
An example of the everyday expenditure issues are hindering the citizens of the US can be witnessed through rising ATM fees, which apply to non customers who use a machine outside of their network. These fees have been in existence for some time, but their continued rise is at odds with the current financial situation facing most of middle class society. Quite aside from the timing, there is a separate issue concerning the methodology utilized by banks and financial organizations, especially those who retain a large amount of ATM’s within a small geographical area.
If we assess the timing, then we see J P Morgan Chase implementing $5 and $4 fees in Illinois and Texas respectively, at a time where these areas are witnessing high unemployment and increased economic stress. This is being done as a trial exercise to see whether the increased fees are viable nationwide, and whether they are generative in terms of revenue. Of the bank’s total number of ATM’s, 20 percent are operated within these two states, as part of a huge network that they have built over a significant period of time.
At face value, it would appear that the move shows little financial or social awareness on behalf of the bank, who refused to comment directly when the story emerged. However, another view is that they are in fact displaying an acute awareness of both the economic climate and their own market position, and that inflated charges are aimed at exploiting this for financial gain. If the latter is true, then it is a further insult to the intelligence of citizens, who faced a global recession due largely to irresponsible lending by banks and financial organizations.
An Ethical Concern
This also raises a concern about the policies and operational procedures employed by banks, especially those who build a specific network of ATM machines are levy charges for non customers to use their apparatus. Given the fact that the geographical split of these owned machines is not balanced, it would suggest that are strategically placed in areas where a bank has a minimal amount of customers, enabling them to derive a financial revenue without having to acquire the business of new individuals.
Such issues are pertinent, but even if these it could be addressed it would not resolve the chief concern that charging consumers to access their own money is fundamentally wrong and unconstitutional. For instance, individuals are free within a democratic environment to pursue careers and earn individual wealth, which they are then encouraged to save and retain within a checking or savings account. To then charge them for accessing this accrued capital, regardless of the specific ATM that they use, serves as an unofficial and ill deserved additional tax.
The Future of Banking Charges
This concern aside, it is fair to note that banks have employed ATM charges for a substantial length of time, and have managed to do so without serious opposition to its cause. As it has become accepted however, banks have sought to gradually raise the payable charge, from what could be described as a token service charge to one which can often equate to a significant percentage of the fiscal amount withdrawn. This practice is one of pure opportunism, and has result in proposed $5 charges that have no relevance to the service provided.
Of course, this has a domino effect on other banks, meaning that institution that previously waived charges for non customers who utilized their ATM machines have now began to implement minimal fees. This is bound to continue, to the obvious point in time where all ATM machines will carry an extortionate operational fee nationwide, often claiming up to 25 percent of small withdrawals. This is unless the government seek to involve themselves, and either push to render fees obsolete or, more realistically, place a financial cap on the levy that banks can charge for ATM usage.
Current Shop
Do you have a spam problem on this blog; I also am a blogger, and I was wondering your situation; we have created some nice procedures and we are looking to exchange techniques with others, please shoot me an e-mail if interested.
I’m really enjoying the theme/design of your site. Do you ever run into any internet browser compatibility problems? A couple of my blog readers have complained about my blog not operating correctly in Explorer but looks great in Chrome. Do you have any advice to help fix this problem?
Hello are using WordPress for your site platform? I’m new to the blog world but I’m trying to get started and create my own. Do you need any coding knowledge to make your own blog? Any help would be really appreciated!
This design is spectacular! You definitely know how to keep a reader entertained. Between your wit and your videos, I was almost moved to start my own blog (well, almost…HaHa!) Great job. I really enjoyed what you had to say, and more than that, how you presented it. Too cool!
Hi there, i read your blog from time to time and i own a similar one and i was just curious if you get a lot of spam comments? If so how do you stop it, any plugin or anything you can recommend? I get so much lately it’s driving me crazy so any support is very much appreciated.
Interesante!, Gracias.
Heya this is kinda of off topic but I was wondering if blogs use WYSIWYG editors or if you have to manually code with HTML. I’m starting a blog soon but have no coding knowledge so I wanted to get advice from someone with experience. Any help would be greatly appreciated!
I’m sometimes asked about finding other programmers so I created Musician Finder, a music social networking web site where we can all make friends upload audio, images and videos, promote upcoming gigs, and get info on record deals, management and much more. Come and join us soon..
Hi, Great article! This is very much helpful for my research and i hope to run through more of your posts someday! How i wish i can see you in person so i can get to know you more.
Thank you for every other informative blog. Where else may just I am getting that kind of info written in such an ideal manner? I have a challenge that I am just now working on, and I’ve been on the glance out for such info.
Admin, your site opens very very slow.
Loading times have been good so far. See, if your computer is working fine.
I would like to thank you for the efforts you have made in writing this post. I am hoping the same best work from you in the future as well. In fact your creative writing abilities has inspired me to start my own Blogspot blog today. Greetings from Swansea
Glorious information here. This fascinating post made me smile. Maybe if you happen to throw in a few pictures it would make the whole thing more interesting. Anyway, in my language, there arent a lot good source like this.
This was a truly awesome read. How long have you been writing? I enjoyed reading this article so very much, I linked to it from my web-site at bed liner !
Would you be interested in exchanging links?
Sure.
11/04/79 Iranian Hostage Crisis04/18/83 U.S. Marine Barracks Beirut06/24/85 TWA flight 847 Hijacking – Athens10/07/85 Achilles Lauro Hijacking – Egypt12/21/88 Pan Am flight 103 – Lockerbie02/26/93 World Trade Center Bombing – New York City06/25/96 Khobar Towers – Saudi Arabia08/07/98 U.S. Embassies – Tanzania, Kenya10/17/00 U.S.S. Cole bombing – Yemen09/11/01 World Trade Center, New York City09/11/01 Pentagon. Washington D.C.09/11/01 Failed attempt – plane crashed in Pennsylvania (thanks to American Heroes!)Habeus Corpus for Americans and those here legally!!
Hi, Great job! This is my first time i visit here. I discovered so numerous fascinating stuff in your blog.
Wonderful post. I have got a page on my web-site at bed liner , where we weblink back to blog posts we find useful. Check it out some time!
I absolutely enjoy your contribution, exactly what I was looking for, I definitely appreciate it.
I discovered your weblog web site on google and examine a couple of of your early posts. Proceed to maintain up the very good operate. I just extra up your RSS feed to my MSN News Reader. Searching for forward to reading more from you afterward!…
I’m impressed, I need to say. Actually not often do I encounter a weblog that’s both educative and entertaining, and let me inform you, you’ve got hit the nail on the head. Your concept is outstanding; the issue is one thing that not enough people are talking intelligently about. I am very completely happy that I stumbled across this in my search for one thing regarding this.
great info! thanks
greetings from Arizona! 😉
greetings from Arizona! 😉
Super-Duper site! I am loving it! Will come back again – taking you feeds also, Thanks.
Wow that was odd. I just wrote an very long comment but after I clicked submit my comment didn’t appear. Grrrr… well I’m not writing all that over again. Anyways, just wanted to say fantastic blog!
greetings from Arizona! 😉
Wow, this was awesome haha.
Thanks on your marvelous posting! I really enjoyed reading it, you could be a great author.I will always bookmark your blog and definitely will come back sometime soon. I want to encourage you continue your great job, have a nice afternoon!
I build a blog for give some Information
Hello there! This is my first visit to your blog! We are a team of volunteers and starting a new initiative in a community in the same niche. Your blog provided us useful information to work on. You have done a wonderful job!
I do not even know how I ended up here, but I thought this post was great. I do not know who you are but certainly you are going to a famous blogger if you are not already 😉 Cheers!
Thank you a lot for sharing this with all folks you actually recognise what you’re speaking about! Bookmarked. Kindly additionally consult with my website =). We may have a link alternate arrangement among us!
Generally I do not read post on blogs, however I wish to say that this write-up very forced me to try and do so! Your writing taste has been surprised me. Thank you, very nice article.
Thanks for the warning Rio,I appreciate it. I will not watch that movie.
What i don’t realize is in truth how you are now not really much more neatly-preferred than you might be now. You’re very intelligent. You realize thus considerably in the case of this matter, produced me in my view imagine it from a lot of varied angles. Its like women and men don’t seem to be involved until it¡¦s one thing to accomplish with Woman gaga! Your individual stuffs outstanding. Always care for it up!
http://www.vbulletin.org/forum/showthread.php?t=231165
I love your website, blogs important. I’ll bookmark it and come back soon.
I was really happy to land on this site, just what I was looking for. Fanned : D
I’ll gear this review to 2 types of people: current Zune owners who are considering an upgrade, and people trying to decide between a Zune and an iPod. (There are other players worth considering out there, like the Sony Walkman X, but I hope this gives you enough info to make an informed decision of the Zune vs players other than the iPod line as well.)
Zune and iPod: Most people compare the Zune to the Touch, but after seeing how slim and surprisingly small and light it is, I consider it to be a rather unique hybrid that combines qualities of both the Touch and the Nano. It’s very colorful and lovely OLED screen is slightly smaller than the touch screen, but the player itself feels quite a bit smaller and lighter. It weighs about 2/3 as much, and is noticeably smaller in width and height, while being just a hair thicker.
Very good text. I’ve found your site via Google and I’m really glad about the information you provide in your articles.
Thank you a lot for giving everyone remarkably spectacular opportunity to discover important secrets from here. It really is so pleasurable plus full of a good time for me personally and my office colleagues to visit the blog at the least thrice in one week to learn the fresh items you will have. Not to mention, I’m also at all times impressed with your extraordinary knowledge you give. Certain two areas on this page are unquestionably the most beneficial we’ve ever had.
It’s really a cool and useful piece of info. I am glad that you shared this useful info with us. Please keep us up to date like this. Thanks for sharing.
I think I’ll tell the lot of my collegues about this cool little blog because I like it a lot. In my opinion I think it’s quite different & just a little bit funky, which to my mind is good. I’ll mark it as a favourite. Why can’t all blogs be like this one?
I will tell the lot of my buddies about this great site just just cause I like it a lot. In my opinion I reckon it’s pretty unique & just a tiny bit funky, which in my humble opinion is great. I’m going to flag it as a favourite. Why can’t all blogs be similar to this one?
I think I’ll tell all my buddies about this cool little blog just cause I like it . I I reckon it’s quite unique & just a tiny bit quirky, which in my humble opinion is refreshing. I’m going to mark it as a favorite. It’s a shame most blogs aren’t similar to this one?
I’m going to tell the lot of my friends about this great site just because I like it a lot. In my opinion I reckon it’s quite unique & just a small bit quirky, which to my mind is good. I’m going to mark it as a favorite. Why can’t all blogs be like this one?
Hi there would you mind stating which blog platform you’re working with? I’m looking to start my own blog in the near future but I’m having a tough time making a decision between BlogEngine/Wordpress/B2evolution and Drupal. The reason I ask is because your design seems different then most blogs and I’m looking for something completely unique. P.S Apologies for being off-topic but I had to ask!
I think I’ll tell the lot of my chums about this cool site just because I like it . In my opinion I reckon it’s quite unique & just a small bit funky, which to my mind is good. I’ll mark it as a favorite. Why can’t all blogs be like this one?
Thank you for spreading the word to your chums.
I think I’ll tell all my mates about this groovy little blog just because I like it . I I reckon it’s pretty unique & just a small bit quirky, which to my mind is refreshing. I’ll make it it as a favourite. Why can’t all blogs be like this one?
I think I’ll tell all my collegues about this great blog just because I like it a lot. I I think it’s quite different & just a small bit funky, which in my opinion is great. I’ll flag it as a favourite. It’s a shame most blogs aren’t like this one?
Attractive portion of content. I simply stumbled upon your site and in accession capital to assert that I acquire in fact enjoyed account your blog posts. Any way I’ll be subscribing to your feeds or even I fulfillment you get entry to persistently fast.
Youre so cool! I dont suppose Ive learn anything like this before. So nice to seek out someone with some unique thoughts on this subject. realy thanks for starting this up. this website is something that’s needed on the net, someone with slightly originality. useful job for bringing something new to the web! King Regard Tom
Wow! Thank you! I constantly wanted to write on my blog something like that. Can I include a portion of your post to my website?
This is getting a bit more subjective, but I much prefer the Zune Marketplace. The interface is colorful, has more flair, and some cool features like ‘Mixview’ that let you quickly see related albums, songs, or other users related to what you’re listening to. Clicking on one of those will center on that item, and another set of “neighbors” will come into view, allowing you to navigate around exploring by similar artists, songs, or users. Speaking of users, the Zune “Social” is also great fun, letting you find others with shared tastes and becoming friends with them. You then can listen to a playlist created based on an amalgamation of what all your friends are listening to, which is also enjoyable. Those concerned with privacy will be relieved to know you can prevent the public from seeing your personal listening habits if you so choose.
I will tell all my collegues about this cool site just because I like it a lot. I I think it’s pretty different & just a tiny bit funky, which in my opinion is refreshing. I’ll make it it as a favorite. Why can’t all blogs be similar to this one?
I’m going to tell all my mates about this groovy little blog because I like it a lot. I I think it’s quite different & just a tiny bit quirky, which to my mind is great. I’m going to mark it as a favourite. It’s a shame most blogs aren’t similar to this one?
The blog was how do i say it… relevant, finally something that helped me. Thank you
I will tell all my mates about this groovy blog just cause I like it a lot. I I reckon it’s quite unique & just a tiny bit quirky, which to my mind is good. I’m going to make it it as a favourite. It’s a shame most blogs aren’t like this one?
Thank you for spreading the word to your mates.
I will tell all my chums about this cool little blog just cause I like it a lot. In my opinion I reckon it’s pretty unique & just a little bit funky, which in my opinion is great. I’m going to flag it as a favorite. It’s a shame most blogs aren’t similar to this one?
Hi would you mind letting me know which hosting company you’re functioning with? I’ve loaded your blog in 3 entirely diverse net browsers and I must say this weblog loads a whole lot quicker then most. Can you suggest a good net hosting provider at a honest price? Thanks a lot, I enjoy it!
Webair.
I’m going to tell the lot of my pals about this groovy little site just just cause I like it a lot. In my opinion I think it’s quite unique & just a tiny bit quirky, which to my mind is great. I’m going to flag it as a favorite. Why can’t all blogs be like this one?
I will tell the lot of my pals about this cool little site just just cause I like it a lot. In my opinion I think it’s pretty different & just a small bit quirky, which in my opinion is refreshing. I’ll flag it as a favourite. Why can’t all blogs be similar to this one?
I think I’ll tell all my pals about this cool little site just because I like it . In my opinion I reckon it’s quite different & just a tiny bit funky, which to my mind is refreshing. I’ll mark it as a favourite. It’s a shame most blogs aren’t similar to this one?
Thank you for sharing work with your pals.
I think I’ll tell all my collegues about this groovy site because I like it . I I think it’s pretty unique & just a tiny bit quirky, which in my humble opinion is refreshing. I’ll make it it as a favorite. Why can’t all blogs be similar to this one?
I’m going to tell the lot of my pals about this great little blog just because I like it a lot. In my opinion I think it’s quite different & just a small bit funky, which in my opinion is good. I’ll flag it as a favorite. It’s a shame most blogs aren’t like this one?
I will tell the lot of my collegues about this groovy blog just cause I like it . In my opinion I reckon it’s pretty different & just a small bit funky, which to my mind is good. I’ll make it it as a favourite. Why can’t all blogs be like this one?
I think I’ll tell the lot of my chums about this groovy blog just because I like it . I I think it’s quite different & just a small bit quirky, which to my mind is good. I’ll make it it as a favourite. Why can’t all blogs be like this one?
I’m going to tell the lot of my buddies about this cool blog just cause I like it . I I reckon it’s pretty unique & just a small bit quirky, which in my humble opinion is refreshing. I’m going to mark it as a favourite. It’s a shame most blogs aren’t similar to this one?
I’m going to tell the lot of my pals about this great little blog because I like it . In my opinion I reckon it’s quite different & just a small bit funky, which in my opinion is great. I’m going to mark it as a favorite. Why can’t all blogs be similar to this one?
I will tell the lot of my friends about this groovy little blog just just cause I like it . I I think it’s pretty different & just a small bit funky, which in my humble opinion is refreshing. I’ll flag it as a favorite. Why can’t all blogs be similar to this one?
I’m going to tell all my pals about this groovy little blog just just cause I like it a lot. I I think it’s quite unique & just a little bit quirky, which in my humble opinion is great. I’ll make it it as a favorite. It’s a shame most blogs aren’t like this one?
I will tell the lot of my mates about this great site because I like it a lot. In my opinion I reckon it’s pretty different & just a tiny bit funky, which to my mind is great. I’ll make it it as a favorite. Why can’t all blogs be like this one?
I will tell all my buddies about this cool little site just because I like it a lot. I I think it’s pretty unique & just a little bit quirky, which to my mind is refreshing. I’ll make it it as a favourite. It’s a shame most blogs aren’t like this one?
I will tell all my collegues about this groovy site just cause I like it . In my opinion I reckon it’s pretty unique & just a little bit funky, which in my opinion is good. I’m going to make it it as a favorite. Why can’t all blogs be similar to this one?
I’m going to tell all my mates about this cool little site just just cause I like it a lot. I I reckon it’s pretty different & just a small bit funky, which in my humble opinion is refreshing. I’ll make it it as a favorite. Why can’t all blogs be like this one?
I think I’ll tell all my collegues about this cool little site just cause I like it . In my opinion I reckon it’s pretty unique & just a small bit funky, which in my humble opinion is great. I’ll mark it as a favorite. It’s a shame most blogs aren’t similar to this one?
I’m going to tell the lot of my friends about this groovy site just cause I like it . In my opinion I think it’s pretty unique & just a tiny bit funky, which in my humble opinion is great. I’m going to mark it as a favorite. It’s a shame most blogs aren’t like this one?
I’m going to tell the lot of my collegues about this cool site because I like it . In my opinion I think it’s quite unique & just a tiny bit quirky, which in my humble opinion is great. I’ll flag it as a favourite. Why can’t all blogs be similar to this one?
I think I’ll tell all my pals about this great blog just cause I like it . I I think it’s pretty different & just a tiny bit quirky, which to my mind is refreshing. I’ll mark it as a favourite. Why can’t all blogs be similar to this one?
I wanted to type a simple message in order to thank you for those wonderful steps you are giving on this website. My rather long internet look up has at the end been paid with wonderful points to share with my relatives. I would repeat that we site visitors are undeniably fortunate to exist in a fabulous place with many awesome people with interesting tips. I feel very happy to have used your web site and look forward to so many more pleasurable moments reading here. Thanks once again for everything.
I think I’ll tell all my mates about this cool little site just because I like it . In my opinion I reckon it’s pretty unique & just a small bit funky, which in my opinion is good. I’ll make it it as a favorite. It’s a shame most blogs aren’t similar to this one?
Thank you for sharing our work with your mates.
What an interesting little blog, certainly glad I ‘uncovered’ it. I will tell all my friends about this blog & I reckon I will come back in the future.
I’m going to tell the lot of my collegues about this groovy blog just just cause I like it . In my opinion I think it’s quite different & just a small bit quirky, which in my opinion is great. I’ll make it it as a favourite. It’s a shame most blogs aren’t like this one?
Such an interesting little site, certainly glad I discovered it. I will let all my buddies know about this one & I I’m sure I’ll come back soon.
I think I’ll tell the lot of my buddies about this groovy little site because I like it a lot. I I think it’s quite unique & just a small bit funky, which to my mind is good. I’ll flag it as a favourite. It’s a shame most blogs aren’t similar to this one?
Thank you for sharing our work with your buddies.
What an interesting blog, certainly glad I ‘uncovered’ it. I will let all my buddies know about this site & I I’m sure return sometime soon.
I will tell the lot of my mates about this great little blog just because I like it . In my opinion I think it’s quite different & just a little bit funky, which in my humble opinion is refreshing. I’m going to mark it as a favourite. Why can’t all blogs be like this one?
Such a cool site, certainly glad I found it. I’ll definitely tell all my friends about this one & I I’m sure I’ll return in the future.
What an interesting little site, very glad I discovered it. I’ll let all my buddies know about this blog & I think I’ll return sometime soon.
I actually wanted to write down a comment so as to say thanks to you for these great facts you are giving on this site. My prolonged internet lookup has at the end of the day been compensated with pleasant strategies to exchange with my contacts. I would assert that many of us site visitors actually are very blessed to live in a fabulous network with so many perfect people with very helpful strategies. I feel quite privileged to have seen your webpage and look forward to so many more excellent moments reading here. Thanks once again for a lot of things.
Such an interesting little site, very glad I discovered it. I’ll definitely let all my buddies know about this blog & I reckon I will come back in the future.
Such a good blog, certainly glad I ‘uncovered’ it. I will tell all my friends about this blog & I reckon I will come back sometime soon.
Such a good little site, so glad I discovered it. I will let all my buddies know about this blog & I reckon I will come back sometime soon.
Everyone is opening up currency trading accounts this week because of the world Ecconomic Problems. Loyal Forex is one of the best STP Forex Broker today. Learn to trade Forex easily as they offer a free metatrader 4 download with up to 20% Bonus. http://loyalforex.com
What a terrific little site, so glad I ‘uncovered’ it. I’ll let all my buddies know about this one & I think I will return soon.
I’m going to tell all my collegues about this groovy site just just cause I like it . I I think it’s pretty unique & just a tiny bit quirky, which to my mind is great. I’m going to make it it as a favourite. It’s a shame most blogs aren’t similar to this one?
Thank yyou for sharing our work with your colleagues.
Only 1pip fixed spreads? 1pipfix.com Get the lowest spreads, as 1pipfix is the lowest spread broker in the world. Free Metatrader Demo Today! 1pipfix forex brokerage is an IB of Loyal Forex LoyalForex