*Mengatakan orang goblok, tolol adalah menghina!*
On Tue, Feb 12, 2019 at 6:09 PM 'nesare' nesare1@...
<mailto:nesare1@...> [GELORA45] <[email protected]
<mailto:[email protected]>> wrote:
Heran rajin sekali meme memean begini, sedangkan argumennya
gak ada!
bukan GOBLOK dan merasa sbg orang pinter?!
Nesare
*From:* [email protected]
<mailto:[email protected]> <[email protected]
<mailto:[email protected]>>
*Sent:* Sunday, February 10, 2019 4:35 PM
*To:* [email protected] <mailto:[email protected]>
*Subject:* RE: [GELORA45] Re: Eka Tjipta
---In [email protected]
<mailto:[email protected]>, <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:* [email protected]
<mailto:[email protected]> <[email protected]
<mailto:[email protected]>>
*Sent:* Thursday, February 7, 2019 2:50 PM
*To:* Yahoogroups <[email protected]
<mailto:[email protected]>>
*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 [email protected]
<mailto:[email protected]>, <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
