Jelas si GOBLOK bung chan yg menuduh goblok itu duluan! Wong dia sudah sumpah serapah bilang Jokowi pinokio, vampire dll krn gak seneng saja. Baru terus saya GOBLOK2in dia. Pertama2 masih saya ajak berdiskusi koq, tapi lama kelamaan semakin kelihatan kesombongan dan jumawa nya kayak serba tahu. Hanya saja memang krn ke GOBLOKannya hal2 yg berkaitan dgn bisnis ekonomi itu dipakai utk menyerang Jokowi. Oh ya bukan Jokowi saja ttp Indonesia koq sdh dieyel2 sama siGOBLOK ini!
Saya gak pernah goblok2in orang koq sejak melek milis. Juga gak pernah mau personal. Tetapi makhluk satu ini memang luar biasa. Jadi harus distrom. Jelas kan sekarang masalah cek yg jelas2 harus dananya dan sudah siGOBLOK sebut, tetapi otaknya gak nyampe masih ngeyel bilang cek bisa diuangkan langsung tanpa clearing. Sudah saya sebutkan dinegaranya itu bejibun jumlah perusahaan check cashing yg cari duit dari orang2 yg gak ada dana dalam banknya. Sehingga mereka2 ini bisa menguangkan ceknya ke perusahaan check cashing ini dan bayar fee ke perusahaan check cashing ini. Ini kan artinya cek sendiri saja gak bisa diuangkan langsung kalau gak ada dananya. Dia sudah sebut masalah dana ini loh. Tetapi koq masih ngeyel cek orang lain yg belum tentu ada dananya dan koq bisa langsung diuangkan? Gimana logikanya? Jelas kan dia gak ngerti artinya clearing itu. Nesare From: ChanCT <[email protected]> Sent: Wednesday, February 13, 2019 7:04 AM To: Jonathan Goeij <[email protected]>; [email protected]; Sunny ambon <[email protected]>; nesare <[email protected]> Subject: Re: [GELORA45] Re: Eka Tjipta Ooouuh, ... kalau saja contoh yg anda berikan itu sama-sama BCA dan hanya Rp 1 juta, itu yang saya katakan bersyarat dan hanya di bank bersangkutan bisa terjadi. Artinya, ac. bank yg keluarkan chek itu sudah ada tangguan duit yg sepadan dan HANYA bisa diduitkan langsung di bank yg sama, BCA juga! Mungkin TIDAK BISA di bank lain bukan BCA?! Atau ada ketentuan dari BCA itu, kalau ternyata di clering house ternyata AC pemberi chek nya ternyata tidak cukup duit, BCA menjatuhi sansi denda berlipat pd pemberi chek, ... Begitu kira-kira kerja bank yg memberi pelayaan pada nasabahnya, ya? Saya tidak ingat lagi siapa yg menuduh goblok lebih dahulu, ... hanya saja saya harapkan bisa dihentikan kedua belah pihak dan kembali pada diskusi baik-baik. Katakanlah memberikan contoh konkrit spt diatas kan merupakan satu argumentasi yg kalau keliru boleh saja dibantah, ... Mudah-mudahan maksud saya bisa dimengerti dengan baik. Salam-damai, ChanCT Jonathan Goeij 於 13/2/2019 13:00 寫道: Ngeyel apa bung Chan ini cuman pengetahuan umum dan kenyataan saja tdk ada yg perlu didiskusikan, kalau tdk tahu dikasih tahu sekali ya cukup. Mau bukti ya gampang saja kalau anda ke Indonesia minta saja dari teman atau saudara dibukakan cek katakanlah dari BCA Rp 1 juta, terus pergi ke BCA uangkan cek itu pasti bisa kalau ada dananya. Dan anda sebagai moderator bung Chan tidakkah anda lihat setiap kali posting selalu goblok2 lha apa perlu diladeni, orang goblok2 ya dibales goblok juga apa lagi????????? Sebaiknya anda jangan berat sebelah tetapi telusuri betul2 itu baru namanya moderator. Pahamkah anda dalam hal ini?????? On Tuesday, February 12, 2019, 7:33:37 PM PST, ChanCT <mailto:[email protected]> <[email protected]> wrote: Agar DISKUSI di GELORA45 bisa berlangsung sehat dan TIDAK mengganggu banyak pembaca dengan eyel-eyelan ataupun saling menggeloblok-goblokkan yg tidak ada gunanya itu, perkenankanlah saya mengusulkan UTAMAKAN-lah ajukan ARGUMENTASI atau berhenti ngeyel dan dengan jantan akui kesalahan! Bagi saya yg awam soal perbankan, ... jarang-jarang terima chek apalagi giro, tapi yang saya tahu di HK, ... chek hanya bisa masuk ke account bank kita dan baru bisa diuangkan keesokan hari kerja, ... kecuali besaran duit di chek itu tidak lebih dari simpanan duit kita dibank itu. Jadi, memang yang saya tahu chek tidak bisa diganti duit langsung begitu saja, bersyarat dan hanya di bank bersangkutan. Sedang di bank berbeda harus masuk ke account kita dulu, ... Nah, bagi Jonathan yag menyatakan sekarang chek bisa diuitkan langsung, tanpa melalui clearing house dulu, ... sebaiknya bisa buktikan dengan data, ....! TIDAK ngeyel terus. Salam-diskusi, ChanCT Sunny ambon <mailto:[email protected]> [email protected] [GELORA45] 於 13/2/2019 1:14 寫道: Mengatakan orang goblok, tolol adalah menghina! On Tue, Feb 12, 2019 at 6:09 PM 'nesare' <mailto:[email protected]> [email protected] [GELORA45] < <mailto:[email protected]> [email protected]> wrote: Heran rajin sekali meme memean begini, sedangkan argumennya gak ada! bukan GOBLOK dan merasa sbg orang pinter?! Nesare From: <mailto:[email protected]> [email protected] < <mailto:[email protected]> [email protected]> Sent: Sunday, February 10, 2019 4:35 PM To: <mailto:[email protected]> [email protected] Subject: RE: [GELORA45] Re: Eka Tjipta <https://psikologi2009.files.wordpress.com/2011/10/psikologi-zamanedanbanyakorangbodohmerasapandai.gif?w=500> ---In <mailto:[email protected]> [email protected], < <mailto:nesare1@...> 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: <mailto:[email protected]> [email protected] < <mailto:[email protected]> [email protected]> Sent: Thursday, February 7, 2019 2:50 PM To: Yahoogroups < <mailto:[email protected]> [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 <mailto:[email protected]> [email protected], < <mailto:djiekh@...> 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> http://www.businessdictionary.com/definition/check-clearing.html <https://en.wikipedia.org/wiki/File:CanadianChequeSamplePAR.png> <https://en.wikipedia.org/wiki/Cheque> 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 <https://en.wikipedia.org/wiki/American_and_British_English_spelling_differences> American English) or bank clearance is the process of moving cash (or its equivalent) from the <https://en.wikipedia.org/wiki/Bank> bank on which a <https://en.wikipedia.org/wiki/Cheque> 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 <https://en.wikipedia.org/wiki/Cheque_truncation> cheque truncation system. This process is called the <https://en.wikipedia.org/wiki/Clearing_(finance)> clearing cycle 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 <https://en.wikipedia.org/wiki/Non-sufficient_funds> non-sufficient funds. <https://en.wikipedia.org/wiki/Cheque_clearing#cite_note-dishonour-1> [1] <https://en.wikipedia.org/wiki/Cheque_clearing> 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 <https://www.thebalance.com/thmb/teixqnqE8XSweuEnIQDbJHx6img=/300x200/filters:saturation(0.2):brightness(10):contrast(5):no_upscale():format(webp)/signing-a-check-174749842-58b4c7e35f9b58604688bbd3.jpg> ••• BY <https://www.thebalance.com/justin-pritchard-314987> JUSTIN PRITCHARD 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 <https://www.thebalance.com/what-is-the-central-bank-315194> the Federal Reserve 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 <https://www.thebalance.com/use-check-registers-315289> check registers. Balancing your checking accounts (whether on paper or electronically) <https://www.thebalance.com/balance-your-bank-account-templates-forms-and-tips-315464> is still a good practice. Float time: You might be accustomed to waiting several days (or longer) to see money to actually leave your account.. During that time, <https://www.thebalance.com/outstanding-checks-315275> the check is called "outstanding," 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 " <https://www.thebalance.com/floating-checks-315303> taking advantage of the float," and it can lead to <https://www.thebalance.com/you-bounced-a-check-what-happens-now-315337> numerous problems. How long do you have? It is technically illegal to write a check that you know can’t clear, so only write checks <https://www.thebalance.com/funds-available-315426> when you have funds available. 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 <https://www.thebalance.com/electronic-checks-315297> convert your paper check into an electronic check—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 <https://www.thebalance.com/how-can-i-make-mobile-check-deposits-315427> use a mobile device to deposit the check. 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 <https://www.thebalance.com/funds-availability-315448> make at least part of your deposit available 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 <https://www.thebalance.com/returned-checks-overview-315276> if that check bounces, 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 <https://www.thebalance.com/how-long-to-wait-after-depositing-a-check-315006> How Long to Wait After Depositing a Check. 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 <https://www.thebalance..com/checking-account-hold-315305> free up some of those funds (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 <https://www.thebalance.com/cashier-s-check-fraud-315795> fake cashier's check or <https://www.thebalance.com/money-order-scams-315055> money order), 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' <mailto:nesare1@...> nesare1@... [GELORA45] < <mailto:[email protected]> [email protected]> 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: <mailto:[email protected]> [email protected] < <mailto:[email protected]> [email protected]> Sent: Thursday, February 7, 2019 12:06 PM To: Yahoogroups < <mailto:[email protected]> [email protected]> Subject: RE: [GELORA45] Re: Eka Tjipta [1 Attachment] ---In <mailto:[email protected]> [email protected], < <mailto:nesare1@...> 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) <http://www.avg.com/email-signature?utm_medium=email&utm_source=link&utm_campaign=sig-email&utm_content=emailclient> 不含病毒。 <http://www.avg.com/email-signature?utm_medium=email&utm_source=link&utm_campaign=sig-email&utm_content=emailclient> www.avg.com
