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Kirk W

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Everything posted by Kirk W

  1. That still violates the TX regulation that say that you must show "Evidence of Texas Vehicle Registration* for each vehicle you own."
  2. Which is exactly what I did, but most of those sites will allow nonsubscribers to see for a limited time. When I go back and look for it I did see a place to subscribe that had a counter to tell me how many times I could read it before I had to subscribe. Most of us do not examine the entire page when looking at a news story. Since that happens from time to time, I just do a search on the subject, as it seems Dan does as well.
  3. So what about the retiree who has a summer home and a winter home and keeps a car at each location and proper registration of a car is where it is garaged, while driver's license properly is only in the state of domicile? I found on the DMV site where it states that you have only 30 days to register a car after you bring it to TX and also that you have 90 days to get your driver's license moved. I also found this on dps.tx.gov. Evidence of Texas Vehicle Registration* for each vehicle you own. Registration must be current. Visit Texas DMV vehicle registration for more information. (New Residents who are surrendering an out-of-state driver license only) Proof of Insurance* for each vehicle you own That still leaves the question of the winter/summer home folks? I suspect that most people simply pretend the other care doesn't exist. Most likely the reason for the registration issue is that so many people move in but do not transfer vehicle registrations until they are due to be renewed in the state that they moved from. If I remember correctly, we did that when we moved to TX from WY. I did look at several states and didn't find the same rule on any of those that I checked.
  4. I hear that from time to time, but I question it because our son moved to TX from WA several years ago and got his TX license right away, but didn't even bring his vehicle to TX for several months. I also have two grandchildren with TX licenses that do not own any vehicles. It has been so long since we moved to TX that I don't remember what we had to do.
  5. In a bankruptcy, the court determines what the assets are and how they will be distributed.
  6. I'm not sure how one is supposed to know that it is, but if you were to search on the headline, as Dan probably did, you can almost always find another source for that story. Report: Regulators Issue Formal Orders to Wells Fargo to Enhance Monitoring
  7. Regulators Say Wells Fargo Isn’t Doing Enough to Police Customer Crimes
  8. § 1020.220 Customer identification program requirements for banks. (i) Customer information required — (A) In general. The CIP must contain procedures for opening an account that specify the identifying information that will be obtained from each customer. Except as permitted by paragraphs (a)(2)(i)(B) and (C) of this section, the bank must obtain, at a minimum, the following information from the customer prior to opening an account: (1) Name; (2) Date of birth, for an individual; (3) Address, which shall be: (i) For an individual, a residential or business street address; (ii) For an individual who does not have a residential or business street address, an Army Post Office (APO) or Fleet Post Office (FPO) box number, or the residential or business street address of next of kin or of another contact individual; or (iii) For a person other than an individual (such as a corporation, partnership, or trust), a principal place of business, local office, or other physical location; and (4) Identification number, which shall be: (i) For a U.S. person, a taxpayer identification number; or (ii) For a non-U.S. person, one or more of the following: A taxpayer identification number; passport number and country of issuance; alien identification card number; or number and country of issuance of any other government-issued document evidencing nationality or residence and bearing a photograph or similar safeguard. Note to paragraph (a)(2)(i)(A)(4)(ii): When opening an account for a foreign business or enterprise that does not have an identification number, the bank must request alternative government-issued documentation certifying the existence of the business or enterprise. (B) Exception for persons applying for a taxpayer identification number. Instead of obtaining a taxpayer identification number from a customer prior to opening the account, the CIP may include procedures for opening an account for a customer that has applied for, but has not received, a taxpayer identification number. In this case, the CIP must include procedures to confirm that the application was filed before the customer opens the account and to obtain the taxpayer identification number within a reasonable period of time after the account is opened.
  9. That is a great reason to open an old thread. I hope that someone knows the answer. I gather that you didn't get anything back?
  10. Thursday has seminars only until noon and there will be a few things in the afternoon like Dip a Chip for CARE. Thursday night is the big street fair with music and food as well as other activities. Friday is departure day so what you will miss on friday is the traffic jam that is always involved in leaving but is usually pretty much resolved by 10 or 11 am. There are no events on Friday.
  11. None that I can think of but I would lift the leads at the dead converter.
  12. JPMorgan Chase? I too am banking with Chase Bank, as they offer premium accounts without any fees to all veterans & active duty people. My investment funds are elsewhere to avoid putting all eggs in one basket. JPMorgan Chase To Pay $1.7 Billion To Madoff Victims (2014)
  13. Interesting. I haven't seen as many discounts for cash as used to be common and the no sales tax is new to me Maybe unreported income?
  14. As a career electromechanical tech., I have found very few RV techs that have had a through knowledge/understanding of electrical and/or electronic principles. The fact that a second converter suffered the same fate tells me that things are not OK. My first thought was the same as Lou, and a short could also cause the cap to blow. Most likely if you install another converter it will experience the same fate.
  15. I hope that nobody believes that they have a bank that cares about them. Pam worked in banking much of her working life, being employed by 5 different major banks (WF was not one of them) and all operated pretty much the same way. If you look at a list of the 15 Biggest Compliance Fines ($1Billion and Above), you will find that the two Wells Fargo incidents are numbers 8 & 9 on that list. The largest fines were by Bank of America in 2014. Unless you choose one of the small, privately held banks they are public corporations whose only reason for existence is making a profit for the investors. Privately held, small banks do still exist, mostly in small agricultural communities but they are slowly disappearing. Publicly held corporations do not have ethics, only the profit/loss statement matters. You may find a few employees who have ethical standards and seem to care about the customers, but only profits matter to the investors.
  16. There is a previous thread about South Dakota SB17. The future of claiming South Dakota as a domicile...
  17. While we no longer are with WF, we were for more than 15 years and have no complaints. We still have several friends who have continued to do business with WF and none of them have mentioned any problems. What was your experience with Wells Fargo? I do wonder if the impact of that ruling last April may have brought extra examination by regulators over the Patriot Act requirements for customer identifications? If you read that story again you will see that it has nothing at all to do with customer address issues. On another forum there have been posts of this happening at a couple of other financial institutions as well. I have wondered if there may have been some new regulations issued or increased enforcement to others.
  18. They do not keep your money and federal banking regulations also require that the customer be notified before such action is taken and if there is no response that is satisfactory they then must notify you that your account is being closed. Most also address the way for you to receive your funds. Banks are very much regulated and monitored by the federal reserve.
  19. When you consider that part, keep in mind that most of those have a very limited time & temperature in which they are fire safe. Also emergency access should be considered.
  20. USA PATRIOT Act US Treasury Dept. Below is a brief, non-comprehensive overview of the sections of the USA PATRIOT Act that may affect financial institutions. Section 311: Special Measures for Jurisdictions, Financial Institutions, or International Transactions of Primary Money Laundering Concern Section 312: Special Due Diligence for Correspondent Accounts and Private Banking Accounts Section 313: Prohibition on U.S. Correspondent Accounts with Foreign Shell Banks Section 314: Cooperative Efforts to Deter Money Laundering Section 319(b): Bank Records Related to Anti-Money Laundering Programs Section 325: Concentration Accounts at Financial Institutions Section 326: Verification of Identification Section 351: Amendments Relating to Reporting of Suspicious Activities Section 352: Anti-Money Laundering Programs Section 356: Reporting of Suspicious Activities by Securities Brokers and Dealers; Investment Company Study Section 359: Reporting of Suspicious Activities by Underground Banking Systems Section 362: Establishment of Highly Secure Network
  21. JustRich, while I have several thoughts on some of the views expressed thus far, I am wondering what you are thinking and if your question has been satisfactorily answered?
  22. Since you are already a resident of and domiciled in FL there should really be no issue with keeping your current doctors and business contacts. We did that same thing when we went fulltime, except that we were in TX and moved from Ft. Worth, Tarrant County to Livingston in Polk County. Most domicile issues arise over different states for such things as legal problems would be rare from county differences. In most such cases the problem is created by issues of state law or jurisdiction. The one thing that I would caution you about is that you need to discuss the address change/move with your bank and any other financial institutions that you do business with as there seems to have been a recent increase in problems stemming from the Patriot Act as it applies to banking.
  23. Will Walmart give you cash for the gift cards?
  24. Do you have a safe in the RV or some other secure place to keep it? Do you don't walk around with that much in your wallet? I have at times traveled with a few hundred dollars in my wallet, but never as much as $1,000, let alone $10k.
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