Fashionistas you have arrived 3-25-03 - 10-3-03

[robustpuppy]

Originally posted by ThrashersFan
Okay, so the FDIC insures bank accounts up to $100,000, right? So that is per account? So a person can just open up another account at the same bank once one account hits $100,000 and still be covered? I love being boring.

It's per depositor, not per account, but yes, up to a point.

http://www.fdic.gov/deposit/deposits/insured/basic.html

Basic Insurance Limit
10. What is the amount of FDIC insurance coverage?
The basic insured amount of a depositor is $100,000. Accrued interest through the date of the financial institution's closing (failure) is included when calculating insurance coverage.

Deposits maintained in different categories of legal ownership are separately insured. So, you can have more than $100,000 insurance coverage in a single institution.

The most common categories of ownership are single (or individual) ownership, joint ownership, and testamentary accounts. Separate insurance is also available for funds held for retirement purposes, e.g., Individual Retirement Accounts, Keoghs, and pension or profit-sharing plans (see Questions 35, 36 and 37).

11. Can I increase FDIC insurance coverage by dividing my funds and depositing them into several different accounts?

No. Federal deposit insurance is not determined on a per-account basis. You cannot increase FDIC insurance by dividing funds owned in the same ownership category among different accounts. The type of account - whether checking, savings, certificate of deposit, or outstanding official check such as a cashier's check (see Question 4), or other form of deposit - has no bearing on the amount of insurance coverage. Furthermore, the use of Social Security numbers or tax identification numbers does not determine insurance coverage.

[leagleaze]

Originally posted by ThrashersFan
The question was not personal, somebody in the office asked me. Around here they seem to assume that as a lawyer I should know this shit. Nobody I know has ever had $100,000 in the bank not to mention $300,000 so I didn't know the answer. By using the re line and ending with "I am boring" I was making fun of my own post and failure to speak of something pertinent to the board.

Thanks for the information though. Was it your parents' bank that insured for the $300,000? I thought the FDIC only did up to $100,000 per account. I will google it.

It was the bank itself. The FDIC insured only up to 100k of that. But I do know they wouldn't insure two accounts in the same exact name for 600k, i.e. if I had two accounts as leagleaze in total they would insure 300k. But if I have one as leagleaze, my dad has one, and he has one jointly with me as dad & leagleaze, we could insure up to 900k. (Or in a traditional bank which only offers the FDIC protection, 300k.)

[Greedy,Greedy,Greedy]

Originally posted by ltl/fb
While I cannot promise to be as insulting and denigrating as possible in each and every post, be assured that now that I'm aware of the problem, I will be more careful to evaluate posts for appropriate levels of meanspiritedness.

Thank you for your understanding and I hope you can overlook my posting inadequacy.

I thought there was an exception to the meanspiritedness requirement where others abused the person on your behalf. I note that Paigow was nice to RP today, and I believe that counts.

[Atticus Grinch]

Watched the rerun of the QE/SG premiere --- Butch the artist. Recalling this and the George the trainer episode, it appears that this country had encountered a crisis of toastmaking, and Jai's not picking up the slack. Let me clue you in: if you don't have anything to say, don't make a toast. A toast should be short, sweet, and concern only one thing or person. There's nothing worse than some assjack toasting the guest of honor, and of course em's lovely spouse who's put up with em all these years, and thank you all for coming it's been great to see you, and what wonderful food let's-thank-the-chef, and let's hear it for the band etc.

How to Make a Toast:
Look around to make sure most glasses are filled before starting. (Do not make a toast with just water in your glass.) Stand. Face the person you are toasting. Lift the glass. Look directly in the recipient's eye --- do not break gaze. Say three sentences.* Slightly incline the glass toward the recipient. Take a sip and sit the fuck down.

How to Be the Recipient of a Toast:
Stay seated. Shut up. Smile awkwardly. Occasionally look away from the person toasting, exchanging shy looks with others that say "Can you believe all this fuss over me?" Do not touch your glass. Do not touch your motherfucking glass.

*These three sentences should be in the following form: (1) Why you know the recipient, and for how long. (2) Heartfelt generic expression of admiration and/or thanks with which others can agree --- don't make a room full of people thank your former roommate for turning you on your side that night you almost swallowed your tongue. (3) "To [Insert Name Here]." Ba-da-bing, ba-da-boom.

[robustpuppy]

Originally posted by leagleaze
I'm boring too, and you don't hear me bragging about my wealth.

Not directly, anyway.

[Not Bob]

Originally posted by ThrashersFan
Okay, so the FDIC insures bank accounts up to $100,000, right? So that is per account? So a person can just open up another account at the same bank once one account hits $100,000 and still be covered? I love being boring.

Nope. It's cumulative.

[ThurgreedMarshall]

Originally posted by bilmore
That was born that way. It's the famous Horse of a Different Color.

What would that make this then?:



TM

PS - I found Pushy the Puppy's girlfriend.

[ltl/fb]

Originally posted by leagleaze
You suck. You are being entirely too nice and helpful.

What is wrong with you?

This is exactly the kind of "change back!" behavior (or behaviour, if you prefer) that self-help books and therapists warn against.

I'm usually helpful on for-real things and mean about random things I know nothing about. Unless people doubt my wisdom on the for-real things I'm helpful on. Then I abuse them.

[ltl/fb]

Originally posted by ThurgreedMarshall

For the love of Mike, someone make that thing smaller!!!!

[robustpuppy]

Originally posted by ThurgreedTheMeddlerMarshall
What would that make this then?
[Purple poodle]
TM

Jeezus H, where the hell is PETA when you really need them?

[bilmore]

Originally posted by ltl/fb
For the love of Mike, someone make that thing smaller!!!!

Careful - that's the kind of wish that got TF in trouble, I hear.

[Greedy,Greedy,Greedy]

Originally posted by Atticus Grinch
.... it appears that this country had encountered a crisis of toastmaking, and Jai's not picking up the slack.... A bunch of silly rules about how to toast.

You need to attend some Irish wakes as well as Brahmin weddings.

Toasts should be thoughful, creative, and humorous. Good toasts can be very short or very long. They usually hang together and make a point. They come up to and toy with the line separating good taste from bad taste, and ultimately retreat to the good taste side. However, they do not fit some staid formula.

Good toasts are not given in isolation. One good toast does not a wedding make. They should go on and on, leading to a memorable night of crazy but thoughtful drunkenness. Good toasts are like a good day on the FB.

[NotFromHere]

Originally posted by ThurgreedMarshall
PS - I found Pushy the Puppy's girlfriend.

Why is his penis coming out of his leg? And if it's Pushy's girlfriend, why does she have a penis in the first place?

[ThurgreedMarshall]

Originally posted by bilmore
[blahdy blah blah]

And sorry, bilmore, but you should change your avatar to this, even though it outs you:



TM

[Atticus Grinch]

Originally posted by Greedy,Greedy,Greedy
Good toasts can be very short or very long.

This is the only thing in your post with which I disagree. I have yet to hear a "very long" toast that was as good as a short one. Sure, there are brilliant story-tellers who can sparkle. They can go from hilarious to maudlin in one sentence, and not make it sound contrived. God love 'em --- they should do eulogies at funerals and emcee everything else. Those rare people have enough blarney that they'll ignore the formula no matter what I say. But even their toasts are better when structured with an efficient set-up and a crisp money shot.

Yeah, some people can talk like they just walked off the set of an Aaron Sorkin production. But saying my advice is inapplicable because some people are already good at toasting is like saying we shouldn't learn to dress to accentuate boobage because some people are Anna Nicole Smith.