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  • Posted by RonC 6 years, 10 months ago
    So, before Christmas I returned an item to Home Depot that was charged on my Pro Home Depot account. On a non-cash transaction they require my Driver's License and Social Security number. My guess is HD is required to send me a 1099 for my refunds if they total over $600. IRS expects me to write off the expenses, but I believe they will now want returns added to income. Just my guess. As the honorable Joe Biden once said, "We are going to tax everything that moves, if it doesn't move we will tax it until it does."

    My theory is they are looking for any/all ways to stop the underground economy. I wonder how they will handle cash rent payments, money orders, payday loans, etc.
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  • Posted by $ blarman 6 years, 10 months ago
    It's both security and tracking.

    The paperless economy (no greenbacks)? That's all about government tracking and predictive analytics. That's the police state.
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  • Posted by strugatsky 6 years, 10 months ago
    The teller requires your ID during the deposit only in order to give you the balance on the receipt. If you tell them that you do not want the ballance displayed or printed, they cannot demand an ID. Most tellers do not know that and do what they are told without thinking or questioning.
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  • Posted by DrZarkov99 6 years, 10 months ago
    Federal law requires banks to inform the treasury about any deposit of cash of $10,000 or more. It's one way the govt. uses to pick up on criminal activity like drugs or money laundering. Unless you deposited an amount that size, it's more likely the ID check is the bank's way of making sure the depositor isn't using a stolen checkbook. Often thieves will make a small deposit to see if anyone checks their ID, and if they don't, will use the checks as they want. If a teller asks for an ID, even on a small deposit, the checkbook gets tossed.
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    • Posted by wiggys 6 years, 10 months ago
      once all the states are selling drugs legally in each state which is on the way to happening and because they all are seeing Colorado etc getting rich on taxes from drug sales the feds will start taxing the states, as they will want their "fair" share. businesses are coming to Colorado because of legal drug sales. the outdoor retailer trade show left slc not because of wild land garbage but so all those coming to Colorado could get grass legally.
      the police have more sniffing dogs for the airport when they leave..
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      • Posted by DrZarkov99 6 years, 10 months ago
        Most of us are only hearing a one sided story about how glorious it will be when every drug is legalized. The tax revenues are only about half what was expected in Colorado. The reason for that is that illegally produced weed is a lot cheaper than the legal, licensed stuff.

        Law enforcement is struggling with trying to keep the cartels out of the game. Weed is a greedy crop, requiring lots of electricity and water, and illegal growers are seriously damaging the environment.

        Use of weed by minors has increased substantially, and schools report a drop in grades and graduating students they attribute to pot use.

        Heavy users are discovering the "pleasure" of a side effect of screaming uncontrollably while dealing with heavy vomiting, which the doctors call "scromiting." There's been a significant increase in traffic accidents from users, due more to inattention and slowed reflexes than reckless behavior.

        I could go on, but I've found that most libertarians, even those who are teetotalers are closeminded adherents to the idea that making drugs legal will cure all the ills and expense of the drug war. Being objective is supposed to mean being open to all the facts, not just those of your own choosing.
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        • Posted by CaptainKirk 6 years, 10 months ago
          I'm with you. I believe we should be free to make our own drugs, etc. I would rather tax it and move on.

          But there is an impact. In China, I think one of the emperors said "With all of these Opium Dens, if we were attacked, we could not get the people we need to defend ourselves". The challenge is in Responsible consumption, and Destructive consumption. Just like DUIs for Alcohol (Which always made me wonder why Bars are allowed to have parking lots!), DUIs for weed will keep rising.

          This is a great Philosophical Stand-off. When does your RIGHT to do to your body/mind whatever you want, interfere enough with Society, that Society should be able to step in. Is it Okay to kill people when you are high/drunk? Is it okay to drive while you are tripping on Acid? Your rights end where other peoples rights begin (or at least begin to be infringed upon). This is where it gets sticky.

          What's the difference between a parent letting his kid experiment and an adult contributing to the delinquency of a minor?

          My challenge, I keep thinking people are Reasonably Intelligent. Despite my experience teaching me that many are NEITHER Reasonable, nor very Intelligent! And doing REALLY DUMB things without thinking about the consequences is exactly what we can expect.
          =
          With that said. Never Smoked, barely drink (any more), and I avoid prescribed drugs as much as possible.
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        • Posted by $ CBJ 6 years, 10 months ago
          Does “closedminded” mean those that don’t agree with you? The fact that illegal weed is cheaper means that taxes and regulations are too high. This can create and maintain a black market in anything, even legal products such as cigarettes. Some people will use drugs irresponsibly, but that doesn’t justify prohibition. If it does, then government should also ban alcoholic beverages, guns and private automobiles.
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  • Posted by dukem 6 years, 10 months ago
    I'm learning about how cash economies work here in Santa Fe. Had the need for a lot or work on a newly purchased older home, and almost everyone who could do any sort of work demanded cash payments. Taxes on income are low, and taxes on any goods or services are high, and so New Mexico is one of the very poorest states, given the way the system works. It takes getting used to, being a crook.
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  • Posted by ProfChuck 6 years, 10 months ago
    I went to the bank to make my house payment using part of my Social Security check. New rules from the IRS! I had to fill out all kinds of forms to permit the transaction. The feds want to know everything about cash flow.
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  • Posted by chad 6 years, 10 months ago
    It has been the desire of every form of tyranny to control and tax (extort) everything in order to increase their 'profits' and control. We are headed to a time when it will be required that everyone has an RFID chip and every transaction is electronic where it can be easily monitored and controlled by computer programs that can do the work that would require millions if trying to follow paper transactions.
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  • Posted by term2 6 years, 10 months ago
    As convenient as banks are, I am reducing my reliance on them. They are agents of the government, not safekeepers of my wealth. There is the "bank of the backyard" that is available without fees, 24 hours a day, and is as safe as I want it to be
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  • Posted by GaryL 6 years, 10 months ago
    I went for almost 30 years stuffing any cash I had left over each week in a drawer and a 5 gallon glass water bottle. I rarely ever took any out and never counted it. After I retired I went to buy a new truck with some of the cash. Car dealer would not accept cash so I had to deposit it in my bank. What a surprise, any deposits of cash over $9,999.00 must be reported to some authority and I was told it is to stop money laundering and illegal gotten gains from drugs or gambling. Who knew it is actually illegal to have in your possession over $10K in cash.
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    • Posted by CaptainKirk 6 years, 10 months ago
      It's worse than you think. Make your deposits less than that amount, and you can be arrested for trying to avoid the law (they have a phrase for it).

      Finally, the ruling is it is mandatory at 10K, but any bank, at any time, for any reason may require that form! As I found out when I took 9500 out for Hurricane Cash.

      A couple of years ago, when I took 5000 out, they made me SIGN A DOCUMENT Acknowledging that HAVING cash is NOT SAFE, and they are not responsible (Probably because they know it is counterfeit by definition).

      BTW, they also wanted to know what it was for (I was paying off a loan, but I wrote "Pubic and Private Debts")
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  • Posted by $ gharkness 6 years, 10 months ago
    Yes of course you are right. There's no need to "protect" you from someone depositing money into your account - especially cash money. Happened to me too once when I went to deposit a check into my (adult) daughter's account. I couldn't believe it!

    Of course I would expect they demand ID for a withdrawal (and a refusal if my name wasn't on the signing card, which it isn't.)

    It's all about keeping tabs on you, me, and everyone else.

    Under the mattress is looking better and better!
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  • Posted by $ allosaur 6 years, 10 months ago
    Me dino thinks its time to check an ID when you make a withdrawal, which I actually appreciate.
    That would foil a wannabe sneaky thief who thinks using your stolen check book to put a little cash into your account and shortly coming back to take a lot more out is a good idea.
    He'd have your balance from the first transaction but the asked for ID for a withdrawal should be a stone wall.
    So it's hard to imagine a crook trying to do that. (I have a wild imagination anyway).
    That's all me dino could imagine for checking your ID. And that scenario strikes me as a stretch.
    Me dino thinks you're on to something.
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    • Posted by freedomforall 6 years, 10 months ago
      No, dino, you miss the point. The banksters want to be sure that you are not in competition with the criminals in the Dark Center, for example, by laundering illegal drug money or by having cash that was not reported for taxation. You are a criminal in the eyes of the criminals.
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      • Posted by term2 6 years, 10 months ago
        I never put cash INTO the bank. Cash is more valuable in its physical form than it is in a bank. Not that US dollars are a store of wealth at all- but a convenient method of doing daily transactions.
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  • Posted by mia767ca 6 years, 10 months ago
    you are aware that when you give your money to the bank, that they consider it their money...not yours...and they will seize it or make you jump thru hoops to get it back...
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  • Posted by $ pixelate 6 years, 10 months ago
    I have seen a few major transactions take place outside of cash. Here is the latest example...
    I own a couple parcels of agricultural real-estate (eventual plan to build a home out there).
    One of my neighbors had a couple adjacent parcels. He wanted to have his dream home built.
    So - he contracted to have it built by a local high-end home-builder.
    Then he got a boundary-line adjustment made -- essentially, he moved the boundary line for one of the parcels so that it consisted of five acres on the western edge of his pair of properties.
    Next -- he sold that 5 acre parcel (including the water rights) to the builder for a low price.
    The builder then constructed the dream-home for the large parcel owner -- did it for a very low price (zero).
    Then, the builder constructed his own dream-home on his newly acquired 5 acres.
    It's a Win-Win, of course, since the two parties are now neighbors living in beautiful dream-homes and they avoided the tax man by reducing any flow of cash through the business pipeline in terms of the home construction contractor.
    Seeing how this was accomplished, I may choose to take a similar route as I also have two adjacent parcels out there.

    Regarding the Water Rights: the local Irrigation District is no longer granting water rights applications as a result of the presumed scarcity of water resources under context of Climate Change.
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  • Posted by jeffdhurley1 6 years, 10 months ago
    Let me put my 2 cents in . Bank Secrecy act requires that We fastidiously guard any and all information about an account holder from being distributed by us to anyone else . Scenario : you give cash and a deposit slip to someone else to make a deposit for you . it is processed and they hand your friend back a receipt with your account number and balance ,... violation because we gave them account number and balance . Scenario 2 :. someone has stolen a checkbook . they make a small deposit . no one checks to make sure it is you . They now see the balance and say " you know let me withdraw $xxxx.xx amount I forgot I have to buy something this afternoon . Scenario 3: She just started working and was told to verify all ID's .. As A standard where I am If I know you well I will forgo the id request . If I do not know you and do not verify , I am potentially in violation of federal regs as well as putting your money and the money of my members ( I am a credit union ) at risk
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    • Posted by jeffdhurley1 6 years, 10 months ago
      the $10,000.00 cash issue is known as a CTR a cash transaction report . Not just banks . Any cash transaction over $10k has to be reported . Buy a used car for $10,001.00 and pay cash , the dealer has to do a CTR . If you structure you cash withdrawals and deposits to avoid a CTR you can go to Fed Prison even if no illegal activity was occurring . Then theres is the SAR . Suspicious Activity Report . We are required to report any activity that is " suspicious" . All of this is part of the Patriot Act . Along with matching new accounts to suspected drug/ crime/ terrorist lists .
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  • Posted by drjmetz 6 years, 10 months ago
    This has to do with government regulation. If the government can fine a bank for not being able to explain where cash is coming from under the anti-money laundering rules, the bank must adjust its policy to prevent that from happening again. It really is that simple.
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    • Posted by freedomforall 6 years, 10 months ago
      And if the banking cartel didn't want these rules the rules would not exist. These rules are designed to reduce competition for big insider banks and simultaneously meddle in everyone else's privacy (with banksters getting that info before these shills give it to government)
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      • Posted by drjmetz 6 years, 10 months ago
        Honestly, I don't know how to respond to that. It's so vague and conspiratorial that it's removed too far from answering the original question. If you think that banks are monolithic organizations that don't have to deal with gov't regulation, then I genuinely don't know how to find a starting point.
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        • Posted by freedomforall 6 years, 10 months ago
          Read The Creature From Jekyll Island and follow the money.
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          • Posted by drjmetz 6 years, 10 months ago
            You are confusing the investment side of banks with the retail side of banks. This is a classic "regulation for thee" versus a "regulation for me" situation. There is a reason why those two sides of the business are kept separate - the retail side for normal joes and shmoes has very different regulatory considerations than the investment side.
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            • Posted by Dobrien 2 years, 5 months ago
              You are spot on! It was the Glass Stegal Act that separated Banks from investment banking (security sales). in 1998 Clinton Admin repealed it creating a pathway to disaster 10 years later .The 2008 financial meltdown and endless Fed Stimulus and a debt explosion. The retail side is where rules for me not for thee comes into play. The other side and the Banking Cartel the Rothschilds , Warburg heirs, Rockefellers , loeb, house of Orange , world Economic Forum, Schwab, Soros. Is what FFA is referring to. I call them a Satanic Luciferian Globalist Pedo file Cabal.
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  • Posted by dukem 6 years, 10 months ago
    I almost never withdraw much cash, just incidental stuff. After I moved to Santa Fe (with it's huge cash economy) I withdrew several thousand dollars or more several times. First time I went in (a branch of WFB, which I have used for 30 years) the teller asked me to wait. She came back with the manager, very nice, interrogated me, verified all the information, and that was it. Never had that happen. Probably thought I was a drug dealer, or maybe it was the cap I had on that said "El Loco." I guess you had to be there.
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  • Posted by gerstj 6 years, 10 months ago
    There is a little hope however, a couple of years ago I watched competition play out. I was using two different banks with different accounts. One of them began to cut hours and then eliminated Saturday all together. The other one began expanding hours and days and is now open seven days a week. The first one is now closed. They lost too much business.
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  • Posted by LibertyBelle 6 years, 10 months ago
    I have an account. But I don't think I have written a check in about 5 years. If I need to send money through the mail, I withdraw the cash and buy a money order at the store. (That is, if I deposit the money in the bank in the first place).
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  • Posted by cranedragon 6 years, 10 months ago
    In days gone by, it was a fairly common plot contrivance to frame an official as being "on the take" by making large cash deposits to his account. Of course, this was also pre-surveillance cameras, too.
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