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Re: Any Californians comment on Well's Fargo
Old 06-03-2006, 05:07 PM   #21
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Re: Any Californians comment on Well's Fargo

Kaleko,
I asked my broker and he wouldn't comment but BOA and WF seem like they have some issues.

Akaisha,
You are so right about not letting what we own, begin to own us. So many people I know have possessions that dominate their daily lives.

I own nearly nothing (I can lift all my worldly goods in two suitcases weighing less than 50 lbs each), I moved from Chicago to SF with everything I own in those suitcases. The safety deposit box was going to have a spare wallet with Australian DL and a couple of credit cards and spare Insurance Card. Also some pictures of my grannies (all deceased). If fire or robbery occur, I get back in business quicker.

I claim to be the person with the least crap. OAP (Owns A Pittance)
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Re: Any Californians comment on Well's Fargo
Old 06-03-2006, 09:45 PM   #22
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Re: Any Californians comment on Well's Fargo

Quote:
You are so right about not letting what we own, begin to own us.* So many people I know have possessions that dominate their daily lives.
And it happens so quickly, too! There is an old Indian proverb that says "What is not given is lost." I remind myself of that from time to time...

Quote:
I own nearly nothing (I can lift all my worldly goods in two suitcases weighing less than 50 lbs each), ..
Wow! My hat's off to you OAP! You are ahead of me in this one! Congratulations!* 8)

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Re: Any Californians comment on Well's Fargo
Old 06-05-2006, 11:09 AM   #23
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Re: Any Californians comment on Well's Fargo

OAP:

When I worked in San Francisco many many years ago I received a free checking account at the Crocker Bank on the northwest corner of 3rd and Market street because my company had large accounts there.

Now Crocker Bank was long ago swallowed up by another bank during the banking wars. However they had the most beautiful three-story lobby with ornately carved marble pillars and other marble ornaments. It was almost an honor just to step foot in that branch and cash my puny paycheck. I felt like I should pay them just to be able to bank in that beautiful branch. I suspect that the old Crocker bank building is strill there operating as another bank.

And I understand that you (OAP) live really close to that area now... so if you get a chance take a peek in the lobby there. I would like to know if it is still as spectaular as it used to be and would enjoy your comments.
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Re: Any Californians comment on Well's Fargo
Old 06-05-2006, 11:55 AM   #24
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Re: Any Californians comment on Well's Fargo

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Originally Posted by Billy

I suppose deeds to property, original stock certificates, heirloom jewelry, maybe wills or something... but we like to put these things in cyberspace and encrypt them -- not the original stock certs, (if we had any)... and not all those 'gems'* *
Akaisha, could you comment further on this? Everytime I leave for even a few days I have some concern that I'll come back and all my important docs will be gone. Maybe you could suggest something fo rme to read in this area?

Thanks, ha
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Re: Any Californians comment on Well's Fargo
Old 06-05-2006, 12:52 PM   #25
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Re: Any Californians comment on Well's Fargo

I'll add to the two thumbs down crowd on BofA. I had a balance of ~ $9500 on a BofA credit card using one of their 0% balance transfer deals. A few months into paying it off, they don't receive the check I mail them with the monthly payment. Of course the next statement arrives at my house and I have a late fee and a huge finance charge since I "defaulted" on paying back the balance and the rate went from 0% to 10.5% default rate.

I immediately called up and negotiated a full refund of all late fees and finance charges and a reinstatement of the 0% offer for the duration of the original 12 month term. They refunded the finance charges and late fee, but they repeatedly failed to reinstate the 0% rate after saying they would. So each month I'd get the bill, call up and get them to refund the finance charges and they would agree to reinstate the 0% offer. Each time the 0% reinstatement would be rejected because I had paid late that one time (realistically, they lost my payment). Eventually I gave up and paid off the balance.

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Re: Any Californians comment on Well's Fargo
Old 06-05-2006, 01:32 PM   #26
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Re: Any Californians comment on Well's Fargo

Quote:
Originally Posted by HaHa
Quote:
Originally Posted by Billy

I suppose deeds to property, original stock certificates, heirloom jewelry, maybe wills or something... but we like to put these things in cyberspace and encrypt them -- not the original stock certs, (if we had any)... and not all those 'gems'
Akaisha, could you comment further on this? Everytime I leave for even a few days I have some concern that I'll come back and all my important docs will be gone. Maybe you could suggest something fo rme to read in this area?

Thanks, ha
Can't you scan and store your important documents. That's what I am doing now since I'm not planning to have a real homebase for awhile.
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Re: Any Californians comment on Well's Fargo
Old 06-05-2006, 06:15 PM   #27
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Re: Any Californians comment on Well's Fargo

MasterBlaster,
Damn man, I hope your bank was on 4th and Market. Cause my view is of the intersection of 3rd and Market and 3rd turns into Kearney going up to China town. SW corner is a clothing store, SE corner is a BOA with nothing going for it, NW corner is an old hotel or something and the NE corner is being demolished.

But up on 4th and Market are two Pantheon type stuctures of which one is Wells Fargo. The Wells Fargo lobby impressed me.
OAP
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Re: Any Californians comment on Well's Fargo
Old 06-05-2006, 06:24 PM   #28
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Re: Any Californians comment on Well's Fargo

Vagabond,
I'll chime in if it's OK, I scanned and digitized my Living Trust and Pour OVer Will and sent them to my brother. His lawyer said, "Waste of time, Judge will want to see signed original copies.". So I guess it served to give my brother all the info but I still have to keep the originals somewhere. ie. Safety Deposit box at John Hancock in Chicago for now.

Likewise, my birth certificate has a crimped "Official" State of California legitness to it. A scanned or digitized copy is bogus to most officials at banks or govt offices.

Guess some paperwork is forced on us.
OAP
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Re: Any Californians comment on Well's Fargo
Old 06-05-2006, 06:40 PM   #29
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Re: Any Californians comment on Well's Fargo

As I always say, "No job is complete until the paperwork is done..." :P
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Re: Any Californians comment on Well's Fargo
Old 06-05-2006, 07:43 PM   #30
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Re: Any Californians comment on Well's Fargo

OAP:

well it's been almost 25 years since I last stepped foot in that magnificent Crocker bank. It sounds like it is now gone. Oh well that's progress for you.

All that marble and walnut out to the landfill- what a waste !
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Re: Any Californians comment on Well's Fargo
Old 06-05-2006, 07:57 PM   #31
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Re: Any Californians comment on Well's Fargo

MasterBlaster,
I'm goning to do some research and let ya know what transpired.
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Re: Any Californians comment on Well's Fargo
Old 06-05-2006, 08:08 PM   #32
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Re: Any Californians comment on Well's Fargo

Quote:
Originally Posted by OldAgePensioner
Vagabond,
I'll chime in if it's OK, I scanned and digitized my Living Trust and Pour OVer Will and sent them to my brother. His lawyer said, "Waste of time, Judge will want to see signed original copies.". So I guess it served to give my brother all the info but I still have to keep the originals somewhere. ie. Safety Deposit box at John Hancock in Chicago for now.

Likewise, my birth certificate has a crimped "Official" State of California legitness to it. A scanned or digitized copy is bogus to most officials at banks or govt offices.

Guess some paperwork is forced on us.
OAP
Bummer.

Thanks OAP.
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Re: Any Californians comment on Well's Fargo
Old 06-05-2006, 08:43 PM   #33
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Re: Any Californians comment on Well's Fargo

MasterBlaster,
Just took a stroll over to where the old Crocker Building was and there she was in all her glory but now labeled "Wells Fargo" . It's acutally located mid block so it is near Post and Montgomery. They were closing so I'll go back for a grander look.
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Re: Any Californians comment on Well's Fargo
Old 06-06-2006, 04:48 PM   #34
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Re: Any Californians comment on Well's Fargo

Quote:
Akaisha, could you comment further on this? Everytime I leave for even a few days I have some concern that I'll come back and all my important docs will be gone. Maybe you could suggest something fo rme to read in this area?
Quote:
Can't you scan and store your important documents. That's what I am doing now since I'm not planning to have a real homebase for awhile.
Quote:
Guess some paperwork is forced on us.
OAP
Vagabond and Ha let me* get back with you on this.

We have things like copies of our passports, driver's license, birth certificates, etc. up in cyberspace. We carry the originals with us, putting them into the hotel's safe or carry them on our bodies.

Let me ask Billy or another PT friend what they do about the 'serious stuff'.* We have a division of labor in our household, and I am no digital goddess! Thank God for Billy!* 8)

Thanks,
Akaisha
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Re: Any Californians comment on Well's Fargo
Old 06-07-2006, 09:54 PM   #35
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Re: Any Californians comment on Well's Fargo

Well, I asked around to some PT friends. The general attitudes were the same.

Carry the passports with you wherever you go.

1099 info goes on the computer and referenced whenever it is needed. It is encrypted (PGP encryption http://www.pgp.com/) and backed up.

Wills (and items of this import) are given to family members who either put them into their safes or safety deposit boxes.

And taxes are done online and left online for access later.

ID's such as birth certs and driver's licenses are brought with you with your passports and carried with you at all times.

This info may or may not be helpful to y'all. But it's what we do...*

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Re: Any Californians comment on Well's Fargo
Old 06-07-2006, 10:11 PM   #36
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Re: Any Californians comment on Well's Fargo

Akaisha,
When I was on foreign trips, the passport was my major worry, so I gripped it like a vise. Now that I'm retired, my main worry is having my Living Trust/Pour-over Will, and Medical Directive in a place that my brother can access easily.

That's my main reason for a safety deposit box.
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Re: Any Californians comment on Well's Fargo
Old 06-07-2006, 11:00 PM   #37
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Re: Any Californians comment on Well's Fargo

OAP, I respect that immensely.

In no way would I pit myself against you on this point.

Everyone must find their own level of personal safety and risk. It's worth sleeping better at nights.

Best,

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Re: Any Californians comment on Well's Fargo
Old 06-08-2006, 06:54 AM   #38
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Re: Any Californians comment on Well's Fargo

Hi again, Akaisha,

Thanks for the information. I have wondered how seasoned travellers manage their important 'stuff'.

My international travels have not been very adventurous so far so it has been more like travel at home. Now that you mention it though, I do keep my passport on me at all times. Got to de better with my other records, though.

Thanks again.

Ed

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Re: Any Californians comment on Well's Fargo
Old 06-08-2006, 08:43 AM   #39
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Re: Any Californians comment on Well's Fargo

Quote:
Originally Posted by OldAgePensioner
Akaisha,
When I was on foreign trips, the passport was my major worry, so I gripped it like a vise.* Now that I'm retired, my main worry is having my Living Trust/Pour-over Will, and Medical Directive in a place that my brother can access easily.

That's my main reason for a safety deposit box.
Why not just give them to your brother now?

If not, be sure he has a key to the safe deposit box and is a signatory with rights to access the box.
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Re: Any Californians comment on Well's Fargo
Old 06-08-2006, 09:48 AM   #40
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Re: Any Californians comment on Well's Fargo

Martha,
I have a safety deposit box in the John Hancock building in Chicago and my brother has signatory and a key.

I was toying with the idea of moving out here to SF but after getting good feed back on this thread, I've decided to just leave it back there.



Here's a good horror story for all who worry like me. My ex-site manager went paperless and put everything on his computer. Years of data, names, numbers, pictures, accounts, copies of passport, SS card, birth certificate.

It was stolen. He had not backed any of it up. Moral, either an external HD or lots of CDs to be stored somewhere.
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