Overdraft fees amount to small loans which account for 1000’s of percentage points in interest.

The 3 totals are; current balance, one with balance and overdraft available and the far left shows if you have a pending credit/debit and can be used as a check for the other two.
Apparently you DO have overdraft protection because the bank is covering your mistakes therefore saving you the embarrassment of bouncing checks/card with each individual you have not had the money to cover.
Yes they do charge a fee for each one but it beats the alternative of going around and clearing up each one.
How can you rationalize being overdrawn and being responsible with money?

So , how much donated money have you wasted on overdraft fees? (btw, I used to donate until 1- You were living better than me. And 2- Mainly the whole project is entirely different. A solo circum. to poor mans Martha Stewart. You have separated Guin too far from her family. At four she is way too young to know what she’s losing. Your want of a companion has been chronicled it’s that this involves more.Remember, only a few years ago Samantha was employing a set of values someplace else with different promises. Will they change again?

I’ve tolerated your arrogance thru 6 years and needed to vent myself.

One last constructive criticusm…..quit sucking your teeth every few moments.

Tighten up & go to sea!

I have nothing against raising a child on the move and don’t deny she will have so much broader sociological background but has nothing with your “project” or your genes.Will you make it around the globe now ?

keep pushing those charters mon.

Do be safe.

This can be constructive criticism or hate mail. Feeling positive today? haha I realize this is coming at you out of left field but I’ve thought of you for years. Kind of a one way looking glass.

Make a wish?

Doctors ….

As far as banks go Charles Scwab Bank is what you are looking for. They are the best! You will have to open a brokerage account as well as the checking but you won’t have to use the brokerage account. They will mail out pre paid envelopes for deposits. My deposits go to Florida. I know you don’t have credit but for others reading this Schwab has a credit card that has no foreign transaction fees and puts 1% into your brokeage account at the end of each month. The ATM card is fee free. They pay you back at the end of the month any fees other banks have charged anywhere in the world.
I have and HSBC vacation account that I fund with about $300. when I’m going out of the county just in case my Schwab card doesn’t work. Some ATM machine only take Visa logo or Mastercard logo cards for example. I ran into that on Utila island.

//$0.02

We will have the spot going when we leave 2morrow. I dont run it when we are at anchor.

Mark, I’m not so interested in building any credit, good point though overdraft is certainly credit. I miss the old days when they just would not honer a transaction if there was no money in the account. If you log into HSBC personal banking they have 3 differant balances at the top. It makes it all confusing.

Thanks for all the input.

Alex