[nabs-l] Question for you all

Sat Oct 13 21:03:46 UTC 2012

Ashley,
The major banks like WellsFargo and Bank of America provide PDF
statements and I think some of them provide Braille statements if you
request them. I rarely look at my actual statements, but instead look
at the "account activity" page online which details all of my
transactions for up to a year.
I have investment accounts too and they often send print documents. If
you have access to a scanner you can scan the document and put it
through OCR or send it to
convert at robobraille.org
to get a text copy. If you don't have a scanner you can have someone
read or at least summarize it for you. This can be a family member or
friend if you are comfortable with them knowing about your money
and/or if they are involved with your investments. If you aren't
comfortable with that you can hire a reader for this kind of thing.

My dad was a joint owner on my first bank account I got when I was 17.
He never checked up on my account and when I got an account at a
different bank I didn't add anyone as a co-owner.
Also, this is slightly off-topic, but I recently learned about
DiscoverBank and I think it's great. It is an entirely online bank so
all of your account management happens online. They have regular
checking and savings accounts, CD's, and IRA CD's and the savings
accounts earn more interest than a regular savings account (I believe
the current rate is around .80%, and that's for an account you can
pull money out of anytime). To get started go to:
www.discoverbank.com
One thing I don't know about is the availability of Discover ATM's,
but if you get a debit card from them, you should be able to use it at
any ATM.
Best,
Arielle

On 10/13/12, Lavonya Gardner <hotdancer1416 at gmail.com> wrote:
> i know that this has nothing to do with the topic. but i love the way that
> people respect each other. this rocks.
>
> Sent from my iPad
>
> On Oct 13, 2012, at 16:33, "Koby Cox" <kobycox at gmail.com> wrote:
>
>> Ashley,
>> Can you give me a call so that we can discuss this further?
>> Thanks,
>> Koby.
>>
>> -----Original Message-----
>> From: nabs-l [mailto:nabs-l-bounces at nfbnet.org] On Behalf Of Ashley
>> Bramlett
>> Sent: Saturday, October 13, 2012 3:23 PM
>> To: National Association of Blind Students mailing list
>> Subject: Re: [nabs-l] Question for you all
>>
>> Koby,
>> How old are you? If over 18, it seems to me you have a right to assert
>> your
>> independence. Like you, I live at home and my mom does not say much
>> about my
>> spending. But I did not overdraw yet although came close to it. I
>> question
>> why your mom even looks at your account online? Is she a co owner of the
>>
>> account? If she is, this is a problem as legally it is her account too.
>> My dad is a co owner of my account, but he is laid back and does not
>> question my expenses.
>> Nor does he go online to check on me like your mom is doing. How tough
>> this
>> must be.
>>
>> Seems there is more to the story. Is she really taking it away for one
>> overdrawn fee?
>> That seems overboard. Tell her
>> that everyone overdraws at one time or another. You need to learn from
>> your
>> mistakes; say you will budget better next time. Tell her if she
>> takes it from you, you are denied the ability to learn and budget for
>> yourself.
>>
>> You should check your balance regularly such as once a week to ensure
>> you
>> have enough money. You, not your mother, should have a password to the
>> online bank system to check your balance and anywithdrawals you have. If
>> you
>> cannot go online due to accessibility or something, set up a phone
>> account.
>> This is where you call a number of your bank. The bank has a recording
>> system; you will create a PIN number for your checking account. Then you
>> can
>> check on your account. If I am ever unsure of my balance and need to
>> make a
>> purchase, I call this number. This ensures me I do not go overboard and
>> withdraw.
>>
>> I don't know what to say; its your mom's home and she makes rules. But
>> on
>> the other hand, you need a place to live and rent is often so expensive.
>> So,
>> til you have a job, you might want to live at home, but you also need to
>>
>> have independence. I have to say that spending less than 100 dollars
>> without
>> a parent's permission is very controlling, unfair, and treats you like
>> you
>> are ten. You are an adult, I assume, if you are in college.
>> You cannot say on list, but I wonder if you mom is this strict with
>> other
>> children, or is it just you because you are blind?
>>
>> I know for me, my mom is a bit more controlling due to my low vision and
>> the
>> fact I'm a baby child. My brothers are older.
>>
>> Anyway, do talk to her. I hope things work out! Sometimes, I find
>> parents
>> say mean things when they're mad, and when they calm down, you find out
>> they
>> really did not mean what they said.
>>
>> Ashley
>>
>> -----Original Message-----
>> From: Koby Cox
>> Sent: Saturday, October 13, 2012 2:24 PM
>> To: nabs-l at nfbnet.org
>> Subject: [nabs-l] Question for you all
>>
>> Hello all,
>> This past week my mom went on-line and looked at my bank account and saw
>> that I was overdrawen. A doctors office takes out $110 every month to
>> cover a procedure that I had done the amount that they take out Is what
>> I'm responseible for paying because insurance didn't cover the rest of
>> it. I'm fine with that however, My mom said that she was going to take
>> my bank card away from me until next month and then we'll see If I get
>> It back. She also informed me that I can't spend more than $100 unless I
>> talk to her first. She said that If I don't like her rules then I can
>> pack my stuff and get out. What do you all think about all of this?
>> Right back soon,
>> Koby.
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