*Menghina lawan diskusi dengan kata-kata merendahkan lawan adalah cermin tingkat intelektual penghina, karena tidak mempunyai argumen yang menyakinkan lawan serta mencerdaskan yang lain..*
On Sun, Feb 10, 2019 at 6:01 PM 'nesare' nesa...@yahoo.com [GELORA45] < GELORA45@yahoogroups.com> wrote: > > > Saya sudah bilang bung ini kebaekan. > > Orang2 seperti ini perlu dihajar supaya rendah diri dan ngerti etika serta > moral. > > Dia menganggap dirinya seorang democrat.. Ciri yg membedakan seorang > democrat dan republiken diUSA itu salah satunya adalah orang democrat itu > mempersoalkan etika dan moral. Kalau orang republiken gak pusing masalah > moral dan etika ini, yg penting hasil akhir: menang. > > > > Diseluruh dunia setiap transaksi perbankan akan selalu melalui screening > process yg lazim disebut clearing. Ada clearing house diseluruh dunia. Ini > prinsip dasar dan arti dari prudential di dunia perbankan. > > > > Sejalan dgn perkembangan teknologi computer yg mempercepat proses > screening ini seperti online payment, bukan berarti tidak ada proses > screening. Dibelakang meja bagian IT kerjanya luar biasa dalam proses > screening ini. Dan rekonsiliasi antar bank selalu terjadi setiap saat. > Tadinya secara konvensional ada orang bank pergi keclearing house yg > biasanya dibank sentral suatu negara. Setelah diverifikasi oleh orang bank, > cek baru bisa diuangkan. Sekarang jaman teknologi dimana online banking > begitu cepat shg memungkinkan screening terjadi setiap saat dalam hitungan > detik. > > > > Akhir kata: si GOBLOK itu ngeyel. Dia sudah tahu dia salah, tetapi dia > seperti biasa gak pernah mengakui kesalahannya. > > Jadi selain GOBLOK, si GOBLOK itu juga sombong dan tidak bermartabat. Ini > yg saya hajar biar dia sadar. Sayangnya kesadarannya memang lambat dan atau > mungkin sudah tidak mungkin krn sifatnya yg jelek itu. Saya masih bersyukur > bahwa dia sudah gak begitu berani lagi petentang petentent dimilis ini krn > saya telanjangi terus kesalahan2nya yg sok itu. > > > > Nesare > > > > > > *From:* GELORA45@yahoogroups.com <GELORA45@yahoogroups.com> > *Sent:* Thursday, February 7, 2019 2:31 PM > *To:* Gelora45 <GELORA45@yahoogroups.com> > *Subject:* Re: [GELORA45] Re: Eka Tjipta > > > > > > Movement of a check from the bank in which it was deposited to the bank on > which it was drawn, and the movement of its face amount in the opposite > direction. This process (called 'clearing cycle') normally results in a > credit to the account at the bank of deposit, and an equivalent debit to > the account at the bank on which it was drawn. Also called clearing. > > Read more: > http://www.businessdictionary.com/definition/check-clearing.html > > > > <https://en.wikipedia.org/wiki/File:CanadianChequeSamplePAR.png> > > Cheque <https://en.wikipedia.org/wiki/Cheque> sample for a fictional bank > in Canada showing the MICR encoding used during clearing to route the > cheque to the appropriate bank > > *Cheque clearing* (or *check clearing* in American English > <https://en.wikipedia.org/wiki/American_and_British_English_spelling_differences>) > or *bank clearance* is the process of moving cash (or its equivalent) > from the bank <https://en.wikipedia.org/wiki/Bank> on which a cheque > <https://en.wikipedia.org/wiki/Cheque> is drawn to the bank in which it > was deposited, usually accompanied by the movement of the cheque to the > paying bank, either in the traditional physical paper form or digitally > under a cheque truncation > <https://en.wikipedia.org/wiki/Cheque_truncation> system. This process is > called the clearing cycle > <https://en.wikipedia.org/wiki/Clearing_(finance)> and normally results > in a credit to the account at the bank of deposit, and an equivalent debit > to the account at the bank on which it was drawn, with a corresponding > adjustment of accounts of the banks themselves. If there are not enough > funds in the account when the cheque arrived at the issuing bank, the > cheque would be returned as a dishonoured cheque marked as non-sufficient > funds <https://en.wikipedia.org/wiki/Non-sufficient_funds>.[1] > <https://en.wikipedia..org/wiki/Cheque_clearing#cite_note-dishonour-1> > > https://en.wikipedia.org/wiki/Cheque_clearing > How Checks Clear: When Money Moves (and Doesn't)What Happens When You > Write (or Deposit) a Check? > > - Share > - Pin > - Email > > [image: Signing a Check] > > *•••* > > *BY JUSTIN PRITCHARD <https://www.thebalance.com/justin-pritchard-314987>* > > > > Updated January 20, 2019 > > Check clearing is the process of moving money to complete a payment made > by check. The process can take several days, or it may be almost instant, > depending on how the recipient handles the payment. > > *Moving funds between banks:* In most cases, the recipient (or payee) > submits the check to their bank, and the bank collects funds from the check > writer’s bank. > > That process often takes two to three business days, but it can take > longer—especially for international payments and other unusual > circumstances. Intermediaries like correspondent banks and the Federal > Reserve <https://www.thebalance.com/what-is-the-central-bank-315194> often > help with these transactions. > > *Internal payments and check cashing:* Funds sometimes move quickly. For > example, if the check writer and the payee both use the same bank, internal > transfers are faster. Likewise, if you cash a check at the check writer’s > bank, the funds come out of that account immediately. > > When all goes well, the process is smooth. But depending on your > perspective, the timing can be a problem: > > - If you received the check, you’re probably in a hurry for it to > clear. > - If you wrote the check, you might be hoping for a few extra days to > get money into your account. > > Logistically, the receiving bank or credit union (where the payee deposits > or cashes the check) sends the check to the bank that the funds are drawn > on, or to a clearinghouse. Banks originally sent physical checks to each > other, but they increasingly use images of checks for improved efficiency.. > Assuming funds are available and there is no problem with the check, the > paying bank transfers money to the receiving bank. > Checks You Write > > How long does it take a check to clear after you write it? It depends on > several factors. In most cases, checks hit your account two to three days > after the payee receives your payment. Until the check clears, it is > essentially just an IOU—a promise to pay, which you might not fulfill. But > the clearing timeline is compressing since the Check 21 Act, which enables > banks to handle a greater number of checks electronically, took effect in > October 2004. > > *Consider the money spent:* When you write a check, act as if the money > is no longer in your account. In the past, people did this by recording > every transaction in check registers > <https://www.thebalance.com/use-check-registers-315289>. Balancing your > checking accounts (whether on paper or electronically) is still a good > practice > <https://www.thebalance.com/balance-your-bank-account-templates-forms-and-tips-315464> > . > > *Float time:* You might be accustomed to waiting several days (or longer) > to see money to actually leave your account. During that time, the check > is called "outstanding," > <https://www.thebalance.com/outstanding-checks-315275> and you could > potentially spend the money on something else. But you'd be spending that > money twice, committing fraud, and setting yourself up for overdraft fees.. > Using the same funds twice while waiting for a check to clear is called > "taking > advantage of the float, > <https://www.thebalance.com/floating-checks-315303>" and it can lead to > numerous > problems > <https://www.thebalance.com/you-bounced-a-check-what-happens-now-315337>. > > *How long do you have?* It is technically illegal to write a check that > you know can’t clear, so only write checks when you have funds available > <https://www.thebalance.com/funds-available-315426>. In practice, you may > actually have a few days. Processing times may depend on whether you mail > the check or hand it to a cashier at a major retailer. Checkout registers > often come equipped with check scanners that instantly convert your paper > check into an electronic check > <https://www.thebalance.com/electronic-checks-315297>—and you can be sure > that the check will be sent to your bank as quickly as possible (perhaps > even that same day). > > *It depends on the payee:* Even if you hand the check to an individual > (such as a friend you're repaying or a plumber who works on your home), > that person might use a mobile device to deposit the check > <https://www.thebalance.com/how-can-i-make-mobile-check-deposits-315427>. > They might even take it to your bank and cash the check so that it clears > instantly. Alternatively, the individual or business might let the check > gather dust for a few weeks before taking it to the bank for deposit. > Unfortunately, there's no way to know for sure. > > As a rule of thumb, assume that funds leave your account about two days > after you pay by check, but that timeframe can *easily* change. > Using Checks You Receive > > If you receive a payment by check, you're probably antsy to use the money: > You might need it for expenses, or you might have doubts about whether or > not the check will bounce. So how long do you have to wait for the check to > clear? > > *“Available” does not mean cleared: *When somebody writes you a check, it > has "cleared" when the check writer’s bank transfers money to your bank and > you can spend the funds. However, it's not always clear if or when the > money arrives (or not). Your bank often allows you to spend money from > deposited checks—and even withdraw cash—before a check clears. > > *The risk is yours:* > > You're responsible for any checks you deposit, so you'll have to repay any > funds you use if the check bounces after you've taken the money. Federal > law (Regulation CC) requires that banks make at least part of your > deposit available <https://www.thebalance.com/funds-availability-315448> to > you within a few days. For many items, like personal checks, the first $200 > is available within one business day (if not immediately), and the > remainder becomes available a few days later. Banks make larger amounts > available for other items, such as government-issued checks, cashier's > checks, and USPS money orders. > > Your bank can be more liberal than the law requires: The bank may simply > assume that every check is good and allow you to withdraw the full amount > immediately. Convenient, right? But if that check bounces > <https://www..thebalance.com/returned-checks-overview-315276>, you’ve got > trouble. The bank will debit your account to take the money back, and that > can lead to serious problems. > > *How long should you wait before assuming a check has cleared?* It’s wise > to be conservative about checks you're unsure of. With checks written from > major banks, you'll often (but not always) find out within a few days if > there's a problem. When checks come from overseas accounts, things can take > *much* longer. Your best bet is to contact your bank and get a firm > answer on the status of the check. Explain your concerns, and ask whether > or not you're taking any risk if you spend the money. > > For more details, see How Long to Wait After Depositing a Check > <https://www.thebalance.com/how-long-to-wait-after-depositing-a-check-315006> > . > > *For fastest service:* To make funds available as quickly as possible, > deposit checks as soon as possible. Use remote check deposit when > available, and deposit checks early in the day to qualify for that day's > cut-off time. Your bank often places a hold on deposits for five days or > so, but in many cases, the funds become available more quickly. > > If that's not fast enough, try asking customer service or a manager if > there's any way to free up some of those funds > <https://www.thebalance.com/checking-account-hold-315305> (this might > work if you're an established customer with no history of bad checks in the > account). > Dangers of "Cleared" Checks > > If you have any doubt about a "cleared" check, don’t spend the money until > you’re satisfied that your bank successfully collected the money it needs. > Waiting is inconvenient, but dealing with a negative account balance isn't > much fun either. > > Assuming that a check has cleared is dangerous. Sometimes an honest > mistake causes problems, and sometimes con artists take advantage of > misunderstandings about how checks clear. A common scam involves paying > somebody with a check (especially a fake cashier's check > <https://www.thebalance.com/cashier-s-check-fraud-315795> or money order > <https://www.thebalance.com/money-order-scams-315055>), but paying too > much. Next, the con artist asks the victim to return the overpayment amount > or forward the money to a “shipper.” The victim sends money that doesn’t > exist, and eventually, the bank finds out the check was bad. > > Unfortunately, banks don’t protect consumers in this situation—the victim > is responsible for any losses and will need to repay the bank. > > https://www.thebalance.com/how-long-to-wait-after-depositing-a-check-315006 > > > > Pada tanggal Kam, 7 Feb 2019 pukul 18.19 'nesare' nesa...@yahoo.com > [GELORA45] <GELORA45@yahoogroups.com> menulis: > > > > Gobloknya dimana? > > Ane ingetin ya, dithread ini ane lagi nyalahin ente yg bilang cek itu bisa > langsung diuangkan dan tidak melalui clearing. > > Ini salah besar. Ini omongan orang yg gak ngerti dan sok tahu. > > Semua transaksi cek akan lewat clearing! Ini berlaku diseluruh dunia. > > > > Kalau ente bilang ada cek yg bisa langsung diuangkan krn tdk lewat > clearing house. Ini artinya banknya engkong ente! > > > > Hehehehe > > Nesare > > > > > > *From:* GELORA45@yahoogroups.com <GELORA45@yahoogroups.com> > *Sent:* Thursday, February 7, 2019 12:06 PM > *To:* Yahoogroups <gelora45@yahoogroups.com> > *Subject:* RE: [GELORA45] Re: Eka Tjipta [1 Attachment] > > > > > > [image: Inline image] > > > > ---In GELORA45@yahoogroups.com, <nesare1@...> wrote : > > Nah sekarang ente bilang ane = demons of stupidity. > > Tadinya ente yg bilang YOU = STUPIDIDY alias GOBLOK. > > > > Diskusi dan debatnya gak ada. Argumennya gak ada. > > Kan memang ente ini jagonya nyinyir. Setelah dikomentari, kabur tunggang > langgang dan dijawab dgn meme meme anak kecil dan penuh umpatan kosong! > > > > Aneh aneh saja ente ini. > > > > Hehehehe > > Nesare > > > > >
