Idiot Americans, checks are obsolete. Get that into your retarded heads! - GoFuckYourself.com

Emil · 10-06-2010, 03:28 AM

WHY do you still use your fucking checks all you American retards! Use WIRE!!!!!!!!!!!!!!!!!!!!!!

PornMD · 10-06-2010, 03:32 AM

The day that wires involve little if any fees, I will be a happy panda. I hate checks too and sometimes there's really no alternative when accepting $x,xxx for something. Wires are perfect except the fees.

TheSwed · 10-06-2010, 03:36 AM

Quote:

Originally Posted by PornMD

The day that wires involve little if any fees, I will be a happy panda. I hate checks too and sometimes there's really no alternative when accepting $x,xxx for something. Wires are perfect except the fees.

Banks don't take any wire fees, it's the company that charge that.

mn · 10-06-2010, 03:39 AM

Quote:

Originally Posted by TheSwed

Banks don't take any wire fees, it's the company that charge that.

in your country and in most of the eu it's usually free, but US banks often take a fee...

Emil · 10-06-2010, 03:40 AM

I dont care if I have to pay ~$50 for the company to send out the wire, just do it. It cost me money too cash checks too. Checks are what retards use to send money. I bet most of you people who send out checks drive a T-ford and dont even own a fucking phone.

PornMD · 10-06-2010, 03:41 AM

Quote:

Originally Posted by TheSwed

Banks don't take any wire fees, it's the company that charge that.

Some banks here charge obscene fees for international wires...I wanna say some do as high as $60 or even higher. The larger national banks aren't as high thankfully.

ruff · 10-06-2010, 03:42 AM

What is the purpose of this post. Are you looking to build up your rep?

cykoe6 · 10-06-2010, 03:43 AM

Quote:

Originally Posted by TheSwed

Banks don't take any wire fees, it's the company that charge that.

In the US banks do charge significant wire fees. As to the OP........ I would suggest that if you feel like Americans are all idiots then stop doing business with any of them and then the whole check issue will work itself out.............considering most of the people on this board work long hours to make tiny amounts of money promoting large US based programs it makes me wonder who are the real idiots.

seeandsee · 10-06-2010, 03:47 AM

cash on hands works best

Redrob · 10-06-2010, 03:53 AM

In order to maximize my rates on my savings accounts, I ask that the only way I can take money out of the accounts is if I come into the bank in person and make the withdrawal. Some US banks will pay over 4% interest on savings if you do this. Plus, I'm not so likely to spend my savings if they are not so easily accessible.

Wires suck in my opinion along with debit cards, credit cards and auto-pay authorizations on your bank accounts. Just give away access to your cash.

nico-t · 10-06-2010, 03:54 AM

Quote:

Originally Posted by Emil

I dont care if I have to pay ~$50 for the company to send out the wire, just do it. It cost me money too cash checks too. Checks are what retards use to send money. I bet most of you people who send out checks drive a T-ford and dont even own a fucking phone.

true its what i always call 'the stone age method of payments'
so damn old fashioned its not even funny!

Emil · 10-06-2010, 03:54 AM

Quote:

Originally Posted by ruff

What is the purpose of this post. Are you looking to build up your rep?

The purpose of this post is to make you understand that checks are a obsolete method of payment.
I dont care about my rep around here. I'm pretty much out of this dying business and also, I have a life outside of GFY unlike many of you.

(Sorry wrong smiley, this is a post full of hate

)

Adraco · 10-06-2010, 04:03 AM

Quote:

Originally Posted by TheSwed

Banks don't take any wire fees, it's the company that charge that.

God, you're retarded!
You don't even show any signs of knowing what a wire is. A wire is an instant transfer, where money is being dialed in, usually via phonelines. Direct contact between the banks, they watch the funds clear in real time and deal is done (often no money is transferred in real time, but an account is virtually credited, then a final clearing is done at night, which is why such things as overnight limits and overdrafts exists, but that's probably above your head).

What you are referring to, and what is free, in most European countries, is what Americans know as ACH. There is a payment directive in place in Europe, effective from July 1st 2010, where it stipulates that intra European transfers are to be free and done within a day, in one or two years. Transferring from one account in one bank, to your friends account in the same bank is usually instant or within the hour.

You should really try to get out more, you surely show how ignorant and unknowing you are with your post. Next time, try to read up on things, before just running your mouth.

Turf · 10-06-2010, 04:18 AM

most banks charge a wire fee, at least i have yet to be able to recieve a wire from anywhere without a fee being paid.. hell when you issue the wire you state who pays for it, sender, reciever or each their own part of it..

Checks are good but ofcourse they can NSF on yea but for some things checks are still a great means of payment.

baddog · 10-06-2010, 04:20 AM

Quote:

Originally Posted by TheSwed

Banks don't take any wire fees, it's the company that charge that.

Wrong again.

baddog · 10-06-2010, 04:21 AM

Quote:

Originally Posted by Emil

WHY do you still use your fucking checks all you American retards! Use WIRE!!!!!!!!!!!!!!!!!!!!!!

Choose the wire option and accept the fees.

BlackCrayon · 10-06-2010, 04:23 AM

banks needs to update the wire system and make it more automated and do away with the fees. They are outdated and if banks don't want to deal with checks, they need to do this.

TheDoc · 10-06-2010, 04:23 AM

Direct Deposit or ACH Deposit.... Far cheaper than wires, often free with many banks and faster too.

Emil · 10-06-2010, 04:27 AM

Quote:

Originally Posted by baddog

Choose the wire option and accept the fees.

So you think all affiliate-programs pay by wire?

Jarmusch · 10-06-2010, 04:29 AM

Quote:

Originally Posted by Emil

and also, I have a life outside of GFY unlike many of you.

Translation: I work at McDonald's.

CamTraffic · 10-06-2010, 04:30 AM

Quote:

Originally Posted by Emil

So you think all affiliate-programs pay by wire?

If they don't usually do wire but you do Volume, they will pay you by wire.

TheSwed · 10-06-2010, 04:33 AM

Quote:

Originally Posted by Adraco

God, you're retarded!
You don't even show any signs of knowing what a wire is. A wire is an instant transfer, where money is being dialed in, usually via phonelines. Direct contact between the banks, they watch the funds clear in real time and deal is done (often no money is transferred in real time, but an account is virtually credited, then a final clearing is done at night, which is why such things as overnight limits and overdrafts exists, but that's probably above your head).

What you are referring to, and what is free, in most European countries, is what Americans know as ACH. There is a payment directive in place in Europe, effective from July 1st 2010, where it stipulates that intra European transfers are to be free and done within a day, in one or two years. Transferring from one account in one bank, to your friends account in the same bank is usually instant or within the hour.

You should really try to get out more, you surely show how ignorant and unknowing you are with your post. Next time, try to read up on things, before just running your mouth.

ACH=direct deposit
Moron

Emil · 10-06-2010, 04:38 AM

Quote:

Originally Posted by Jarmusch

Translation: I work at McDonald's.

I've never had what people call a "normal" job in my life. So fuck you.

HomerSimpson · 10-06-2010, 04:43 AM

cost of sending a check $2
cost of sending a wire $10 - $50

TheSwed · 10-06-2010, 04:47 AM

Quote:

Originally Posted by Adraco

God, you're retarded!
You don't even show any signs of knowing what a wire is. A wire is an instant transfer, where money is being dialed in, usually via phonelines. Direct contact between the banks, they watch the funds clear in real time and deal is done (often no money is transferred in real time, but an account is virtually credited, then a final clearing is done at night

and B.T.W can you tell me 1 adult affiliate program that send money that way when I check the wire alternative

jalami · 10-06-2010, 04:52 AM

Most of the mainstream programs (like CPA networks) pay US webmasters via Direct Deposit with no fees paid by the webmaster. It doesn't seem to be so hard.

Adraco · 10-06-2010, 04:56 AM

Quote:

Originally Posted by TheSwed

and B.T.W can you tell me 1 adult affiliate program that send money that way when I check the wire alternative

Wire = instant transfer between the banks.
You really do not get it, do you? How about some education, it can't hurt you?

Way to miss the point in the post above too, losers and uneducated people usually do resort to complaints and name calling when intelligent arguments run out.

TheDoc · 10-06-2010, 04:59 AM

Quote:

Originally Posted by TheSwed

ACH=direct deposit
Moron

An ACH is a type of DD... You could do a debit, credit, direct ACH and other various ones that will DD into your bank account.

Hentaikid · 10-06-2010, 05:01 AM

Always wondered about the high wire fees. Nowadays doing a bank transfer isn't much different from sending money via paypal or epass (RIP) You log in, send the cash, and log out.

So the question is why not ACH out of the USA? Actually I don't know if I can send bank transfers overseas from my bank,never tried...

TheSwed · 10-06-2010, 05:02 AM

Quote:

Originally Posted by Adraco

Wire = instant transfer between the banks.
You really do not get it, do you? How about some education, it can't hurt you?

Way to miss the point in the post above too, losers and uneducated people usually do resort to complaints and name calling when intelligent arguments run out.

try to go outside US some time and you will see and learn a lot
and why don't you tell all program owners what wire is if you have problem whit that

Agent 488 · 10-06-2010, 05:02 AM

Quote:

Originally Posted by TheDoc

Direct Deposit or ACH Deposit.... Far cheaper than wires, often free with many banks and faster too.

can't get them outside the US so useless. the world isn't a giant wal-mart. there are differences outside your boarders.

EvgenUA · 10-06-2010, 05:07 AM

Quote:

Originally Posted by HomerSimpson

cost of sending a check $2
cost of sending a wire $10 - $50

answer is simple. everyone should make an account in one bank (St. Kitts-Nevis-Anguilla National Bank for example

) and then wires will cost us only $2

Sly · 10-06-2010, 05:12 AM

Quote:

Originally Posted by jalami

Most of the mainstream programs (like CPA networks) pay US webmasters via Direct Deposit with no fees paid by the webmaster. It doesn't seem to be so hard.

I would like to see a list of sponsors that offer direct deposit. Right now we are the only ones that do that I know of, there has to be more. I've been telling all of my American affiliates about direct deposit and many have been switching. I would love to see more American affiliates request direct deposit as a payment option from their sponsors.

If you are an American, there is absolutely no reason you should need to use any service like ePassporte. It's unnecessary risk when you can have the money transferred directly to your bank account at a minimal cost, direct deposit is very cheap when setup properly.

Sly · 10-06-2010, 05:15 AM

Quote:

Originally Posted by TheSwed

try to go outside US some time and you will see and learn a lot
and why don't you tell all program owners what wire is if you have problem whit that

A majority of sponsors are American and American banks charge anywhere between $15-40 for wires. I understand your desire to have wires for free, that would be fantastic, but it just isn't available right now. What exactly are you expecting to see?

wyldblyss · 10-06-2010, 05:16 AM

Quote:

Originally Posted by TheSwed

Banks don't take any wire fees, it's the company that charge that.

I'm Canadian and my bank charges me $15 for each wire I receive.

TheDoc · 10-06-2010, 05:24 AM

Quote:

Originally Posted by Agent 488

can't get them outside the US so useless. the world isn't a giant wal-mart. there are differences outside your boarders.

International can send ACH to an American bank, I just got one a few days back. I don't see why I couldn't send back if they could send to me.

TheSwed · 10-06-2010, 05:25 AM

Quote:

Originally Posted by wyldblyss

I'm Canadian and my bank charges me $15 for each wire I receive.

okay
looks like US and Canada take fees
but I have bank accounts both in Sweden and S.E Asia and non of them charge any fee when I send or receive money

Adraco · 10-06-2010, 05:28 AM

Quote:

Originally Posted by TheSwed

try to go outside US some time and you will see and learn a lot
and why don't you tell all program owners what wire is if you have problem whit that

Got my degree in finance from one of the top ten business schools in the world. It happened to be a European based one. I have lived and worked on all continents of the world.

You STILL do not get it about wires?
The program keep money in their bank account, they need to pay an affiliate.
The affiliate needs money quick and asks for a wire.
The program asks its bank to do the transfer for them to the receiving bank.
Transfer carried out between the two banks.
Money will show up same day or in some cases, when transfer is done after certain cut off times, the amount will show up next day on the affiliate's account.
Is that easy enough for you, or you need the baby version too?

You should try to learn to read and comprehend what's written, that way you could educate yourself a bit!

About banking systems
It all comes down to the banking systems in America as compared to Europe working differently and before the internet there was no live communication between banks. For the most parts, there is still no live communication setup at all times between banks. So when one bank need to make a rush order (wire or similar) they call up the other one and make the trade. Intra-bank systems has been in the talks for years, but many brokers and "middle men" earn more monthly than Average Joe's yearly salary, just to be sitting in nice comfy offices making phone calls and transferring money.

With different time zones, exchange rates, risk of default before clearing happens, overnight overdrafts and so on are all part of day to day banking. Those are risks which needs to be asserted and paid for somehow. Which is why many fees exists.

Agent 488 · 10-06-2010, 05:30 AM

Quote:

Originally Posted by TheDoc

International can send ACH to an American bank, I just got one a few days back. I don't see why I couldn't send back if they could send to me.

ach american system only.

TheSwed · 10-06-2010, 05:35 AM

Quote:

Originally Posted by Adraco

Got my degree in finance from one of the top ten business schools in the world. It happened to be a European based one. I have lived and worked on all continents of the world.

You STILL do not get it about wires?
The program keep money in their bank account, they need to pay an affiliate.
The affiliate needs money quick and asks for a wire.
The program asks its bank to do the transfer for them to the receiving bank.
Transfer carried out between the two banks.
Money will show up same day or in some cases, when transfer is done after certain cut off times, the amount will show up next day on the affiliate's account.
.

and thats exactly what i'm talking about
it's FREE in Sweden and in my other bank in s.e Asia
get it???

halfpint · 10-06-2010, 05:35 AM

Quote:

Originally Posted by baddog

Wrong again.

In the Uk banks dont charge I asked My bank about this and they said it is either the company or the bank from another country that charges

mmcfadden · 10-06-2010, 05:36 AM

Wire $250 to canada to pay for a design:

US Bank sender: $35
Canadian bank to receive: $15

$50 total banks take. Thats... ummm... 20% in this case.

TheDoc · 10-06-2010, 05:40 AM

Quote:

Originally Posted by Agent 488

ach american system only.

Looks like some Int banks can do it, it's called International ACH Transaction (IAT). Either way, I know an International bank sent me an ACH payment just a few days ago, I think it cleared on Saturday.

SlammedMedia · 10-06-2010, 05:40 AM

Quote:

Originally Posted by TheSwed

Banks don't take any wire fees, it's the company that charge that.

Banks in Canada take fees as well -- like $20

Adraco · 10-06-2010, 05:44 AM

Quote:

Originally Posted by TheSwed

and thats exactly what i'm talking about
it's FREE in Sweden and in my other bank in s.e Asia
get it???

If in Sweden, call up the Wallenberg Bank, SEB, at 0771-365 365, wait for an operator.
If they even know what a wire is, they will then tell you that they will charge you 150 SEK (~$20) per transfer, just for RECEIVING a transfer.

Now, there is always a possibility for the sender to opt to pay the receivers costs also. Then those costs are covered in the sender fee and thus not assessed upon the receiving account.

S.E. Asia is not a country but a region. And as such, not the most advanced in the world. They do not have any leading banking system there, and not all countries in the region have banking systems working the same as their neighbour. It might be true for a single country or bank because they already have so much staff they can assign to this since manpower is cheap and they like to get USD currency coming in, it will not apply to an entire region.

ajrocks · 10-06-2010, 05:44 AM

Americans write personal checks when they are shopping. I've been in line to by groceries and have to wait 30 extra minutes because everyone in front of me is paying by check. Its fuckin crazy! Stores would never take a personal check in Canada!

SlammedMedia · 10-06-2010, 05:46 AM

Quote:

Originally Posted by Adraco

Got my degree in finance from one of the top ten business schools in the world. It happened to be a European based one. I have lived and worked on all continents of the world.

That degree obviously didn't include geography. Unless that is, that you've worked in Antarctica?

a2000 · 10-06-2010, 05:46 AM

I don t care if money are sent by check or by wire. Important is to get money not form of sending.

Emil · 10-06-2010, 05:48 AM

Quote:

Originally Posted by Adraco

If in Sweden, call up the Wallenberg Bank, SEB, at 0771-365 365, wait for an operator.
If they even know what a wire is, they will then tell you that they will charge you 150 SEK (~$20) per transfer, just for RECEIVING a transfer.

Now, there is always a possibility for the sender to opt to pay the receivers costs also. Then those costs are covered in the sender fee and thus not assessed upon the receiving account.

S.E. Asia is not a country but a region. And as such, not the most advanced in the world. They do not have any leading banking system there, and not all countries in the region have banking systems working the same as their neighbour. It might be true for a single country or bank because they already have so much staff they can assign to this since manpower is cheap and they like to get USD currency coming in, it will not apply to an entire region.

We pay to cash checks in Sweden. I think the fee is $20-$30 to cash a check.

If you have 3 checks from the same company you only have to pay for one but if you have 3 checks from 3 different companies you pay ~$90.

milambur · 10-06-2010, 05:48 AM

Wire transfers in euro within EU are free of charges.
Cashing a check at Nordea Bank in Sweden cost $20.

Bara så ni vet grabbar, det går att skicka in checkarna till en inlösningscentral på Nordea, mycket smidigare än att gå till banken.

10-06-2010, 03:28 AM	#1
Emil Confirmed User Join Date: Feb 2007 Location: Sweden Posts: 5,650	Idiot Americans, checks are obsolete. Get that into your retarded heads! WHY do you still use your fucking checks all you American retards! Use WIRE!!!!!!!!!!!!!!!!!!!!!! __________________ Free 🅑🅘🅣🅒🅞🅘🅝🅢 Every Hour (Yes, really. Free ₿itCoins.) (Signup with ONLY your Email and Password. You can also refer people and get even more.)

10-06-2010, 03:32 AM	#2
PornMD Mainstream Businessman Industry Role: Join Date: Jan 2007 Location: San Diego Posts: 9,291	The day that wires involve little if any fees, I will be a happy panda. I hate checks too and sometimes there's really no alternative when accepting $x,xxx for something. Wires are perfect except the fees. __________________ Want to crush it in mainstream with Facebook ads? Hit me up.

10-06-2010, 03:40 AM	#5
Emil Confirmed User Join Date: Feb 2007 Location: Sweden Posts: 5,650	I dont care if I have to pay ~$50 for the company to send out the wire, just do it. It cost me money too cash checks too. Checks are what retards use to send money. I bet most of you people who send out checks drive a T-ford and dont even own a fucking phone. __________________ Free 🅑🅘🅣🅒🅞🅘🅝🅢 Every Hour (Yes, really. Free ₿itCoins.) (Signup with ONLY your Email and Password. You can also refer people and get even more.)

10-06-2010, 03:42 AM	#7
ruff I have a plan B Industry Role: Join Date: Aug 2004 Location: Seattle - Miami - St Kitts Posts: 5,506	What is the purpose of this post. Are you looking to build up your rep? __________________ CryptoFeeds

10-06-2010, 03:47 AM	#9
seeandsee Check SIG! Industry Role: Join Date: Mar 2006 Location: Europe (Skype: gojkoas) Posts: 50,945	cash on hands works best __________________ BUY MY SIG - 50$/Year Contact here

10-06-2010, 03:53 AM	#10
Redrob Confirmed User Industry Role: Join Date: Oct 2004 Location: In a refrigerator box by the tracks. Posts: 4,791	In order to maximize my rates on my savings accounts, I ask that the only way I can take money out of the accounts is if I come into the bank in person and make the withdrawal. Some US banks will pay over 4% interest on savings if you do this. Plus, I'm not so likely to spend my savings if they are not so easily accessible. Wires suck in my opinion along with debit cards, credit cards and auto-pay authorizations on your bank accounts. Just give away access to your cash.

10-06-2010, 04:18 AM	#14
Turf Confirmed User Industry Role: Join Date: Jul 2001 Location: ICQ: 64644691 Posts: 1,865	most banks charge a wire fee, at least i have yet to be able to recieve a wire from anywhere without a fee being paid.. hell when you issue the wire you state who pays for it, sender, reciever or each their own part of it.. Checks are good but ofcourse they can NSF on yea but for some things checks are still a great means of payment. __________________ Daddy Strokes - mature men stroking their meat Mature Gay Movies - mature men fucking everyone! Pleasing Daddy - young girls fucking mature men Looking for submitter accounts for older men niche content (both gay and straight) so hit me up if you run a tube and offer submitter accounts for paysites.

10-06-2010, 04:23 AM	#17
BlackCrayon Too lazy to set a custom title Join Date: Jun 2003 Location: Ottawa Posts: 19,631	banks needs to update the wire system and make it more automated and do away with the fees. They are outdated and if banks don't want to deal with checks, they need to do this. __________________ you don't know you're wearing a leash if you sit by the peg all day..

10-06-2010, 04:23 AM	#18
TheDoc Too lazy to set a custom title Industry Role: Join Date: Jul 2001 Location: Currently Incognito Posts: 13,827	Direct Deposit or ACH Deposit.... Far cheaper than wires, often free with many banks and faster too. __________________ ~TheDoc - ICQ7765825 It's all disambiguation

10-06-2010, 04:43 AM	#24
HomerSimpson Too lazy to set a custom title Industry Role: Join Date: Sep 2005 Location: Springfield Posts: 13,826	cost of sending a check $2 cost of sending a wire $10 - $50 __________________ Make a bank with Chaturbate - the best selling webcam program Ads that can't be block with AdBlockers !!! /// Best paying popup program (Bitcoin payouts) !!! PHP, MySql, Smarty, CodeIgniter, Laravel, WordPress, NATS... fixing stuff, server migrations & optimizations... My ICQ: 27429884 \| Email:

10-06-2010, 04:52 AM	#26
jalami Confirmed User Industry Role: Join Date: May 2004 Location: Costa Rica Posts: 845	Most of the mainstream programs (like CPA networks) pay US webmasters via Direct Deposit with no fees paid by the webmaster. It doesn't seem to be so hard. __________________ IntegralPay LLC \| www.integralpay.com Payment solutions outside the box! Ask about credit card, electronic checks, and alternative payments processing

10-06-2010, 05:01 AM	#29
Hentaikid Confirmed User Join Date: Nov 2002 Posts: 1,249	Always wondered about the high wire fees. Nowadays doing a bank transfer isn't much different from sending money via paypal or epass (RIP) You log in, send the cash, and log out. So the question is why not ACH out of the USA? Actually I don't know if I can send bank transfers overseas from my bank,never tried...

10-06-2010, 05:36 AM	#42
mmcfadden So Fucking Banned Join Date: Oct 2008 Location: philly Posts: 5,099	Wire $250 to canada to pay for a design: US Bank sender: $35 Canadian bank to receive: $15 $50 total banks take. Thats... ummm... 20% in this case.

10-06-2010, 05:44 AM	#46
ajrocks Confirmed User Join Date: Nov 2004 Location: On Uranus Posts: 4,526	Americans write personal checks when they are shopping. I've been in line to by groceries and have to wait 30 extra minutes because everyone in front of me is paying by check. Its fuckin crazy! Stores would never take a personal check in Canada! __________________ SEO Strategy - Digital Strategy - Cannabis Lead Generation Skype aj.durden1

10-06-2010, 05:46 AM	#48
a2000 Registered User Industry Role: Join Date: Mar 2002 Posts: 62	I don t care if money are sent by check or by wire. Important is to get money not form of sending. __________________ BidTraffic - Buy High Quality Clicked Traffic ITMCash - Best way to convert Eastern European traffic

10-06-2010, 05:48 AM	#50
milambur Mainstream since 2010 Industry Role: Join Date: Jan 2003 Posts: 1,327	Wire transfers in euro within EU are free of charges. Cashing a check at Nordea Bank in Sweden cost $20. Bara så ni vet grabbar, det går att skicka in checkarna till en inlösningscentral på Nordea, mycket smidigare än att gå till banken. __________________ Alea iacta est