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But I don't wanna be his guardian.....
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<blockquote data-quote="susiestar" data-source="post: 409871" data-attributes="member: 1233"><p>MArg, your country has applied quite a bit of common sense to the situation - unusual in the US, in my opinion. Heck, the bank I worked with recruited employers to push their employees to open accounts with our bank. The bank then would handle direct depositing payroll to the employees at a lower rate if the accounts were with that bank (charged employers less to put the money in the employee accounts). The companies were told that the accounts were "fee free" to employees and even the first box of checks was free (big draw at the time). What they DIDN'T tell ANYONE - companies or employees - and buried in the teensiest fine print in legalese gobbledygook - was that if the employees wanted to go to a teller to deposit or withdraw money, get a cashier's check, order checks, or do almost anything else including call the bank on the telephone for anything related to the account then the bank would charge a fee of $1 to $3 depending on how long it took. Depositing a check through a teller, a basic check transaction with no cash back cost $2. Almost nothing cost the $1 fee. </p><p> </p><p>by then they had contracts with the employers that were in effect for a certain amount of time, at least a year if I remember right. Transactions done at bank owned ATMs were free, at other bank's ATms were $1, and online transactions through the bank's website were free. If you used another website to pay an account, like the utility company website, you paid fifty cents. None of this was told to you before hand and it was purposely buried in language that was hard to understand. </p><p> </p><p>How do I know they buried it on purpose? I worked next to the office of the VPs who set it up. I heard them plotting and planning how to hide these things. it was the nastiest, rottenest thing I had ever heard - how to legally scam a large group of people through their employer under the guise of the employer doing something nice for them. It was sold to employers as a way to make things easier for employees and how to save them money. It was the general tone of the business at the executive level because it was the owner's attitude to everything.</p><p> </p><p>HEre in the US a person under 18 cannot legally enter a contract. They cannot own anything unless they are legally emancipated. Parents are liable for everything. If your child damages something it comes out of the parents' pockets. Parents cannot force a child over 15-18 yrs to stay at home (age depends on the state) and often cannot even drag them home if they have chosen to leave. Those same parents CAN be sued for support if the child has left even if the parent offers a perfectly good and safe home - even if it is a better home than the one the child ran away to!! This isn't super common, but with help from a crafty lawyer or one who has been snowed by a child's lies, parents can be forced to pay support for a child who has run away from home!! If your child does something you have specifically forbidden you can STILL be forced to pay for it in some cases. There is no reason behind some of it.</p><p> </p><p>In some states children as young as 12 cannot get a bandaid in school unless parents have signed a permission form ahead of time - and sometiems still has to give verbal consent - but the same child can refuse psychiatric treatment or get an abortion or STD testing or birth control. They can also keep their psychiatric records private from the parents in those situations. Not all states do that but enough do. Few go as young as 12, some are age 14 or 16 and some are 18. A few states, like New York, say a parent cannot force a child under age 21 to leave the family home. Foster kids are out at age 18 with NO support, but children with parents must be allowed to stay at home until age 21 and with an attorney some have forced parents to pay for them to have apartments from age 18 to 21. Those parents have NO control over what the child does but must be responsible for damages the child creates. If the young person serves drugs or alcohol in the apartment the parents pay for, the parents can be held accountable if the other people are hurt or hurt others while under the influence.</p><p> </p><p>Not all states are nuts like that. Here in OK a child cannot own anything legally or consent to medical treatment before age 18. If they want to have parents kept out of psychiatric treatment or do not want the treatment to happen they can ask a judge to overturn the parents' decision. this is almost never successful in OK - one psychiatric nurse who had been in the field for over 50 years said she has seen only one case ever ruled for the child.</p></blockquote><p></p>
[QUOTE="susiestar, post: 409871, member: 1233"] MArg, your country has applied quite a bit of common sense to the situation - unusual in the US, in my opinion. Heck, the bank I worked with recruited employers to push their employees to open accounts with our bank. The bank then would handle direct depositing payroll to the employees at a lower rate if the accounts were with that bank (charged employers less to put the money in the employee accounts). The companies were told that the accounts were "fee free" to employees and even the first box of checks was free (big draw at the time). What they DIDN'T tell ANYONE - companies or employees - and buried in the teensiest fine print in legalese gobbledygook - was that if the employees wanted to go to a teller to deposit or withdraw money, get a cashier's check, order checks, or do almost anything else including call the bank on the telephone for anything related to the account then the bank would charge a fee of $1 to $3 depending on how long it took. Depositing a check through a teller, a basic check transaction with no cash back cost $2. Almost nothing cost the $1 fee. by then they had contracts with the employers that were in effect for a certain amount of time, at least a year if I remember right. Transactions done at bank owned ATMs were free, at other bank's ATms were $1, and online transactions through the bank's website were free. If you used another website to pay an account, like the utility company website, you paid fifty cents. None of this was told to you before hand and it was purposely buried in language that was hard to understand. How do I know they buried it on purpose? I worked next to the office of the VPs who set it up. I heard them plotting and planning how to hide these things. it was the nastiest, rottenest thing I had ever heard - how to legally scam a large group of people through their employer under the guise of the employer doing something nice for them. It was sold to employers as a way to make things easier for employees and how to save them money. It was the general tone of the business at the executive level because it was the owner's attitude to everything. HEre in the US a person under 18 cannot legally enter a contract. They cannot own anything unless they are legally emancipated. Parents are liable for everything. If your child damages something it comes out of the parents' pockets. Parents cannot force a child over 15-18 yrs to stay at home (age depends on the state) and often cannot even drag them home if they have chosen to leave. Those same parents CAN be sued for support if the child has left even if the parent offers a perfectly good and safe home - even if it is a better home than the one the child ran away to!! This isn't super common, but with help from a crafty lawyer or one who has been snowed by a child's lies, parents can be forced to pay support for a child who has run away from home!! If your child does something you have specifically forbidden you can STILL be forced to pay for it in some cases. There is no reason behind some of it. In some states children as young as 12 cannot get a bandaid in school unless parents have signed a permission form ahead of time - and sometiems still has to give verbal consent - but the same child can refuse psychiatric treatment or get an abortion or STD testing or birth control. They can also keep their psychiatric records private from the parents in those situations. Not all states do that but enough do. Few go as young as 12, some are age 14 or 16 and some are 18. A few states, like New York, say a parent cannot force a child under age 21 to leave the family home. Foster kids are out at age 18 with NO support, but children with parents must be allowed to stay at home until age 21 and with an attorney some have forced parents to pay for them to have apartments from age 18 to 21. Those parents have NO control over what the child does but must be responsible for damages the child creates. If the young person serves drugs or alcohol in the apartment the parents pay for, the parents can be held accountable if the other people are hurt or hurt others while under the influence. Not all states are nuts like that. Here in OK a child cannot own anything legally or consent to medical treatment before age 18. If they want to have parents kept out of psychiatric treatment or do not want the treatment to happen they can ask a judge to overturn the parents' decision. this is almost never successful in OK - one psychiatric nurse who had been in the field for over 50 years said she has seen only one case ever ruled for the child. [/QUOTE]
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