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What was the strangest cultural thing you have experienced as a foreigner/visitor in the United States?I moved to the United States from Chihuahua, Mexico in 2010 as a teenager. We settled in a small city in eastern Texas and have traveled to a few other states. These were my observations, and some of them I sill can’t get used to.Extreme diversity - I met several students in U.S. schools that were from other countries, that spoke other languages, had other religions and belonged to different cultures. I never did so in Mexico. Everyone that I met there was mostly a regular Mexican catholic. During a High School trip to Disney world, I was shocked to see people all over the world and how many diverse people I met. I’m a complete xenophile now because of this.Bands/Choir/Orchestras/Art/Theatre/Sports in public schools - I went to private, paid Catholic schools in Chihuahua, and none of them ever had things like band, art classes, choir, or sports. If they did, it was only for a few people. And they weren’t even public schools, they were private. Here in the U.S. band and football is a competition where lots of public schools compete against each other in front of a big audience. This rarely happens in Mexico.Consumerist culture of brands - I see it in advertisements, commercials and people all around me, promoting brands. I see some sort of cult of personality around bunch of brands. However, this makes since. Mexico has American brands but for the most part they are expensive and Mexicans prefer to get the same products from other brands that are less expensive. I’ve also noticed that the U.S. has very few variation of brands compared to Mexico, and sometimes you just have to expensive way available because only that brand has that product.The kindness of saying “Excuse me.” is done a lot. - Whenever to I go to the supermarket or any other public places where people go to buy stuff, and I accidentally bump into someone, they always say “Excuse me. Sorry.” even if it was my fault! Also when I’m someone’s way, they will say “Excuse me” and act as if they were the ones on my way, and not me. However, I’ve read that this attitude fades more if you go to big cities such as New York.Several people and politicians wanting Christianity to take part of government and all public life. - You would think the same thing of Mexico being largely a Catholic nation, but people there for the moment are only looking for the Mexican government to solve several current problems in Mexican society. Catholicism is mostly alive in the people and not so much in the government. I’ve had several people in the U.S. attempt to convert me and several of my friends to Christianity when they realized we were not Christians, and also several politicians trying to use Christianity in their speeches for political gain. This is totally ridiculous to me.Mass promotion of the American military - Literally everywhere, specially in schools, and contrasting it from Mexico, it feels as if the U.S. were in a current WWIII and wanted as much people as possible. Mexico has military forces, but if you want to join it is more of an independent path for you.Extreme American patriotism - In Mexico people are proud of their food, of their nationality, of their religion and of their families. However, besides encountering all of this in the U.S, I’ve met several people who have claimed that the U.S. is the best country of the world, that democracy is the only truth and righteous fair way of government that all nations should use, etc. I see lots of stereotypes here, and lots of Americans that actually believe them and act upon them. In Mexico people can be ignorant about other religions and cultures, but way fewer will be prone to make quick assumptions or say things like “OMG! The Muslims are secretly plotting to overthrow the Mexican government with their mosques! Let’s ban them!”“Don’t touch me.” as a common attitude. - In Mexico, adults that are friends with each usually exchange lots of hugs and handshakes, women give kisses to each other in the cheek. People for the most part don’t like that here and demand lots of personal space instead. I’ve read several stories in Quora where people from the U.S. press charges of assault or inappropriate touching for the most simple things. Its not just Mexico, as I’ve read that people from countries such as France and Russia also exchange kisses among friends.Completely insane and bureaucratic health care system. - We had some accidents in the family, and for simply ordering a single test they would charge insane amounts of money. To get medicines, it was the exact same thing of paying insane money for only a couple. In Chihuahua, there were lots of independent doctors and small offices for people to go with medical problems. Maybe not fancy treatment, but certainly it would treat your medical problem. There is also lots of sellers where you can get a great variety of medicines for different prices. No, none of this was illegal. Its not just for immigrants, just recently we stopped in an American home who were having a garage sale with food because they needed to raise money to pay for their son’s cancer treatment, or else the hospital was going to stop the treatment with a lawsuit. We asked them about the medicine of their son and said they literally have to pay like $10 for a single pill. Completely insane and cruel.Public schools are extremely obsessed with attendance - Public schools get more money if they have high attendance. I get it. But the system quickly turns abusive and bureaucratic. My public school gives you a limit on how many days you can miss, if you go over the line, you have to go to summer school or not graduate. I had a friend with pneumonia who had to to come to school with the pneumonia or else she wouldn’t graduate. Also, she had to catch up will all of her classes and do extra work of the days she missed… with pneumonia. The school will not give her an exception as it “wouldn't be fair to other students.”. Another friend had the death of her mother, and she still had to make up the extra work and catch up with the classes she missed while grieving. The teachers didn’t care and just gave her the work, and most of it was counted as late. Seriously? What the hell? In Mexico I caught chicken pox and had to receive treatment. My parents had to write a letter to the school explaining the situation and the school totally understood. I had to go to the teachers during my recess to catch me up on what I missed, but I didn’t get crammed with extra work just because I had an illness.Minor ones:Selling ice cream during winter - In Chihuahua, stores stopped selling ice cream and ice products when winter came. It was actually very unpopular to eat during winter, as people said it will make you sick. Here they don’t stop selling them during winter. It was a shock to me.Availability and abuse of the air conditioner - Most of my family members and friends did not have air conditioner in their homes. Neither did most of the houses that I visited in Mexico in different states. It is considered very expensive and unnecessary. Most people just buy fans and open the windows of their homes during summer. Air conditioner is everywhere in the U.S, and several people have their homes and places almost to freezing level, specially in school classrooms. I’m glad I’m not just an immigrant that think so, several of my American friends think some people are completely insane with the air conditioner.Books as inexpensive - Bookstores in Chihuahua are extremely expensive, and more when books are classics that are translated from other languages. People that read for the most part prefer to use online PDFs. Buying online is also unpopular in Mexico. In the U.S. you can get second hand books online that are in perfect quality, and many places dedicate themselves to sell inexpensive books. Barnes and Noble is super cheap according to all of my Mexican family that comes to visit.Overall, I’m not bashing the U.S. or bashing Mexico. They are merely different and had my good and bad experiences in both. I wouldn't want to change the opportunity to have lived in both of them, and actually I have grown interested in going to other countries. Everyone please feel free to comment.
How to decide my bank name city and state if filling out a form, if the bank is a national bank?Somewhere on that form should be a blank for routing number and account number. Those are available from your check and/or your bank statements. If you can't find them, call the bank and ask or go by their office for help with the form. As long as those numbers are entered correctly, any error you make in spelling, location or naming should not influence the eventual deposit into your proper account.
When I fill out a loan application form at a bank, how does the bank know if I am lying about my total assets and liabilities?Your credit report has more than the score, because part of what makes up you score is the amount of liabilities and how they are handled. Liabilities that will show areCar payments and balanceCredit cardsDepartment store cardsStudent loansChild support/alimony Judgements And many more.For assetsBank statementsBrokerage accounts401k statements etc.If an applicant is sufficiently strong (20% down-payment and a few months mortgage payments reserved) then all assets are usually not verified.But as a mortgage broker I've even used a car and boat title to boost an otherwise shaky application.
If a credit card collections agency garnishes my bank account, how much money can they take out at a time, and how often?This is a great question and I would seriously recommend that you go to a consumer website that can answer all your questions for you. Unfortunately, everyone is a collection expert and know more than the creditors and or their collection agency does.I have 15 years in the collections industry and for 10 years, owned my own agency. I have heard them all… I guarantee it.I have had people call me and scream at me, telling me “You can’t do this or you can’t do that” only to call me 3 months later apologizing and asking, no begging if they can pay their debt as during the interim I sued them! Not only do I now have a court order, but now you are responsible for the original principal amount, the interest that has accrued on the account at a rate of 12% per annum from the date of service (the date of the accounts inception) all legal fees, and all court costs! Time for sympathy or goodwill has come and gone! I then give them a choice, which by the way I am not required by law to do, they can either pay the entire account in full, or I can enforce the judgment and have their wages garnished at their expense!The collectors and I in my agency were some of the most laid back and easiest people to work with. I used to have a folder full of letters from debtors applauding us for the way we worked with them and that all the other collection agencies were a bunch of a****holes! These would come in handy when we would get complaints stating that we refused to work with someone. Very easy to fight when we have a folder of 200 letters, all verifiable that we were easy to work with and that we offered to take minimal monthly payments.Even if you owed $5k, we would work with you at $50.00 per month for the time being until maybe things picked up for you. As we had each persons DOB, I made it policy that if we spoke to you on your B-Day we would give you a $50.00 credit. I guarantee you no one else ever did that!However, if you acted like a complete moron, wanted to tell us how to do our jobs, which by the way, the newest staff member I had had been with me for over 5 years. They were not chair warmers, nor were they less than experts in our states collection law. IF someone from another state were on the phone, we had immediate access to their rules, regs and laws as they do vary state to state considerably. If they disrespected us in any way, or acted a fool, it was policy to thank them, tell the we were sorry we couldn’t help them and to politely hang up the phone. Their file was then immediately reviewed, processed and approved for litigation! My staff was told and they understood that their jobs in no way consisted of being yelled at, cussed at or disrespected in any manner! And frankly the fact that they were going through a bad day was irrelevant as they were on a business call and chances are very good that any other business calls they were ever on rarely if ever allowed for them to act the way they were acting with us!Nonetheless, if you have a debt that had made it’s way to collections. You were immediately notified by mail, that it was now in collections and to call us. Interest had been added and you were given 30 days to pay in full with no further issue. If it went past 6 month from the date of service, it could then be reported to your credit as a bad debt and could remain there for up to 6 years. Again, we would work with you if you needed.Now, and this is important. We would attempt to call you and if unable to contact you and we got no response to our letters, your account was then approved for litigation and the next time you heard from us was through subpoena. You were then given a court date.IF you missed court. A judgment was immediately entered in against you.If you made it to court. The judge would ask you why you did not pay, call agency or make any arrangements at which time a judgment would be entered against you. The judge was not interested in how you lost your job, how you had no money, or any other excuse other than as to how you were going to pay the bill. Where people got pissed at us, was at this point. What they failed to understand is that we have no control over what the judge says! Remember, we offered to allow you payments! You told us that we were assholes, that we couldn’t do what we said we would do and now you were convinced we could and you were pissed!So, to answer your question.If a collection agency has a judgment against you, count on the fact that it has increased considerably. Keep in mind that it is going to accrue further interest, attorney fees and court costs thus continuing to increase considerably. Your best bet is to somehow find the money to pay the whole thing off. Sometimes, depending upon the amount and your attitude during the process (OH yes, how you treated us is entered into our system verbatim! IF you told us to F off, it’s in there, if you physically threatened us, it’s in there! It’s all in there! Chances are you probably wont have any favors coming. Now unless you get someone on the phone like me, who has a soft heart and really wants to see no one get screwed, it may be difficult to get any help, but sometimes if you are able to pay it off in one lump sum it can be worth trying to get a deal. It could save you hundreds of dollars!If there is no way to pay completely, then there is a formula as to how much will be taken from each check. It’s not something the agency has much to do with.The formula is 25% can be deducted from your disposable income. That is after the cost of living is deducted, and I believe taxes also. So let’s say you have $1000.00 per month which is disposable income.25% of $1000.00 is $250.00 a monthThe attorney takes his fee of $250.00 off the top (this can vary!!!!)Then $45.00 in court costs, fees… This is also taken off the top.Therefore, $250.00 is paid, but only $80.00 is deducted from your balance after fees. You can see how costly this can become if the entire process is subject to the garnishment process.As crazy as this seems, it is all completely legal and it is done thousands of times a day!Therefore, I would strongly suggest that if you find yourself in financial trouble, CONTACT THE CREDITOR!!! MAKE PAYMENT ARRANGEMENTS WITH THEM!!! THEY WILL WORK WITH YOU!!!If the won’t and you end up in collections… WORK WITH THEM.. THEY RELY ON PAYMENTS FROM DEBTORS… THE Y MAY COME OUT OF THE BOX HARD AS NAILS, BUT THAT’S ONLY BECAUSE THEY WANT AS MUCH AS THEY CAN GET FROM YOU…***THIS IS A FACT… Most debtors if asked how much they can pay each month will give the collector a number that when paying will make a very minimal dent in their income each month. Why wouldn’t they? What do they have to lose? Collectors know this which is why they will push you further… I always knew that if someone were offering me $100.00 per month, I could get $200.00 or $250.00 out of them comfortably! It’s a game of negotiation. The collectors are trained… You’re probably not!Also remember, YOU WILL PAY THE BILL!!! Whether today or tomorrow really makes no difference to me! But, you will pay the bill!!! However, the longer you take, the more I make!!! INTEREST is a collectors best friend!!!I would much rather sit on a $2000.00 account for 2–3 years as I know that by then that account will be worth $3500.00 - $4200.00 and all that interest is 100% free income to a collector!It’s best you keep your wits about you and work with them…Collection Agencies are like the Dealers in Las Vegas… You cannot beat them! They will win 100% of the time!As I am no longer involved in the industry, I can share some very common knowledge… It really comes down to common sense…Good luck!!!
How do I fill out an application form to open a bank account?I want to believe that most banks nowadays have made the process of opening bank account, which used to be cumbersome, less cumbersome. All you need to do is to approach the bank, collect the form, and fill. However if you have any difficulty in filling it, you can always call on one of the banks rep to help you out.
When you apply for a credit card on the phone, does the operator simply fill out a web form the way you would if you applied online? Or do you get to explain situations if you are denied at first?Don't waste your time calling in, just fill it out online yourself. Your financial details and credit score are put through an automated system. Your credit history does all of the explaining for you unfortunately. Also, ditto to what Bryan said about higher end cards, they will actually take the time to verify your income and personal assets in some cases to offset tarnished credit.
When is it mandatory to fill out a personal financial statement for one's bank? The form states no deadline about when it must be returned.The only time I know that financial statements are asked for is when one applies for a business or personal loan, or applying for a mortgage. Each bank or credit union can have their own document requirements, however for each transaction. It really is at their discretion.