*Mengatakan orang goblok, tolol adalah menghina!*
On Tue, Feb 12, 2019 at 6:09 PM 'nesare' nesa...@yahoo.com
<mailto:nesa...@yahoo.com> [GELORA45] <GELORA45@yahoogroups.com
<mailto:GELORA45@yahoogroups.com>> wrote:
Heran rajin sekali meme memean begini, sedangkan argumennya gak ada!
bukan GOBLOK dan merasa sbg orang pinter?!
Nesare
*From:* GELORA45@yahoogroups.com <mailto:GELORA45@yahoogroups.com>
<GELORA45@yahoogroups.com <mailto:GELORA45@yahoogroups.com>>
*Sent:* Sunday, February 10, 2019 4:35 PM
*To:* GELORA45@yahoogroups.com <mailto:GELORA45@yahoogroups.com>
*Subject:* RE: [GELORA45] Re: Eka Tjipta
---In gelor...@yahoogroups..com <mailto:GELORA45@yahoogroups.com>,
<nesare1@... <mailto:nesare1@...>> wrote :
GOBLOK GOBLOK dasar GOBLOK!!!!
Sudah dikasih referensi yg begitu sederhana masih kagak ngerti!!!!
Kalau bukan GOBLOK apalagi????!!!!
Sekarang bilang:” Giro hanya melalui kliring, sedang cek selain
bisa kliring juga bisa diuangkan langsung di bank yg mengeluarkan
cek.”
Gimana caranya cek dibawa ke bank langsung dapet uang kas?!!!
Pernah ente lakukan?
Ini skenarionya ane kasih 2 aja:
1. Ente bawa cek ente ke bank, lalu langsung dikasih uang kas ya?
Teller nya gak babibu langsung kasih kas ya? Kenapa ente gak
pergi ke ATM saja instead of bawa cek utk diuangkan ke bank
ente? Kalau ente gak ada uang di bank ente, emangnya ente
langsung dikasih duit kas?
2. Ente bawa cek orang lain yg bayar utang sama ente ke bank ente
utk diuangkan. Ini langsung dikasih uang kan menurut ente?
Kenapa dikasih uang langsung kalau pemilik cek gak ada uang?
Banknya goblok ya? Wong diskenario 1 saja kalau ente gak ada
uang dibank ente, ente gak akan bisa ambil uang. Ini menurut
ane yg gak pernah tahu cara kerja bank dinegara ente loh. Moso
segitu gobloknya orang2 bank dinegara ente? Terus gimana
logikanya ada orang yg check cashing itu ya? Ngapain orang2
bawa cek sendiri ke perusahaan check cashing utk menguangkan
cek nya? Ini cek sendiri loh! Apalagi ceknya milik orang lain!!!!!
GOBLOK dipelihara!!!!
Nesare
*From:* GELORA45@yahoogroups.com <mailto:GELORA45@yahoogroups.com>
<GELORA45@yahoogroups.com <mailto:gelor...@yahoogroups..com>>
*Sent:* Thursday, February 7, 2019 2:50 PM
*To:* Yahoogroups <gelora45@yahoogroups.com
<mailto:gelora45@yahoogroups.com>>
*Subject:* Re: [GELORA45] Re: Eka Tjipta
Bung Djie, di Indonesia dibedakan antara Cek dan Giro. Giro hanya
melalui kliring, sedang cek selain bisa kliring juga bisa
diuangkan langsung di bank yg mengeluarkan cek.
Pengusaha di Indonesia pada umumnya mengeluarkan giro karena
selain lebih aman juga tanggalnya bisa dimundurkan.
---In GELORA45@yahoogroups.com <mailto:GELORA45@yahoogroups.com>,
<djiekh@.... <mailto:djiekh@...>> wrote :
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
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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
<https://www.thebalance.com/how-long-to-wait-after-depositing-a-check-315006>
Pada tanggal Kam, 7 Feb 2019 pukul 18.19 'nesare' nesare1@...
<mailto:nesare1@...> [GELORA45] <GELORA45@yahoogroups.com
<mailto: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
<mailto:GELORA45@yahoogroups.com> <GELORA45@yahoogroups.com
<mailto:GELORA45@yahoogroups.com>>
*Sent:* Thursday, February 7, 2019 12:06 PM
*To:* Yahoogroups <gelora45@yahoogroups.com
<mailto:gelora45@yahoogroups.com>>
*Subject:* RE: [GELORA45] Re: Eka Tjipta [1 Attachment]
---In GELORA45@yahoogroups.com
<mailto:GELORA45@yahoogroups.com>, <nesare1@...
<mailto: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!
(Message over 64 KB, truncated)
