Friday, January 3, 2014

It's a date

Our closing is in two weeks, scheduled for January 17th, at 11am.

Among the list of items required at / before closing, is a list of residences for the past 10 years. Hmm, might be a tad difficult for me to recall some of those addresses...

By the way, I hate banks. This isn't a new revelation, of course, but I usually don't have to think about banks and large sums of money until situations like this arise. So, my bank [let's call it Bank A] does not have branches in the state of Minnesota, nor in any of the neighboring states. I think the closest branch might be in Illinois someplace. Anyway, we need a cashier's check for an indecent amount of money at the closing. So I call Bank A, and they basically tell me, too bad, we can't do anything for you. You can only get cashier's checks from a bank teller at a branch. The person I spoke with actually suggested that I try and ask if I can use a personal check, or multiple money orders. Are you joking?!?

Fine, I decided to transfer the funds from Bank A to our joint account at Bank B, they are an online only bank, so they will mail you anything, anytime, anywhere, cashier's checks included. So I go through the process of linking the Bank A account to the Bank B account, only to find out that there is a daily inter institution transfer limit, and a 30 day rolling limit. Argh... about to pull my hair out at this point. Okay, what's next... how about a wire transfer? Yes, let's try that. But wait, of course there's a limit to the amount of funds one can transfer per day, and a fee, for who knows what. It's my money, damn it. Like I said, I hate these blood-sucking banks. Not to mention every time we transfer money between accounts, our mortgage banker wants to see a record / documentation of it, so there's quite the paper trail [you know, to make sure we aren't big time money launderers, or something to that effect]. I think we have the cashier's check situation resolved now, I'm just glad we thought about it ahead of time so we had time to figure it out.

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