Jump to content
Chapala.com Webboard

bmh

Members
  • Posts

    6,918
  • Joined

  • Last visited

  • Days Won

    72

Posts posted by bmh

  1. Social Security went into our Schwab account and took the money Iy husband had received there for 3 months after his death. The money was there because I knew that once the consulate had the information  he was dead other institutions would be informed. The money that was in the account, was to be returned to the SS so it was not that the money was tasken but the fact that it was taken without my authorization or knowledge.

    I wanted to have the time to pull out all my money from the joint account so that it would not be blocked and that was a good thing because it is exactly what happened after I sent the notice to the consulate. I just left the money that was to be returnd but I had no chance to return it as it was pulled the day the consulate received the notice.. One less thing to do . I can see blocking the account but helping yourself with the money should not be allowed.

    I find out that  it cannot be done when the money is in a Mexican account. The fact that SS did this alerted Schwab that my husband had passed away so the result that was our joint  account was blocked by Schwab not by SS. Then the nightmare started with Schwab as they follow to the letter the IRS rule. While my husband was alive I was considered a tax resident and paid the taxes at the same rate as a US citizen, when my husband died, I was not allowed to continue. I had to cash in all my IRA at once which put me in the 30 per cent tax rate without a chance of using the IRA as  a low tax income as I needed it as it was represented to me when I open the account.  The IRS is worst that the gestapo-- SS security has their rules and paperwork but are nothing in comparaison to te  IRS,

     

    • Sad 1
  2. 2 hours ago, BenjiBoy said:

    Well.....I didn't realize that these "lovely" folks do somethings right and a lot wrong.....I have to wait weeks to get my 255.00 burial allowance...BUT they immediately notified all credit reporting agencies of my wife's demise and my bank....therefore I will lose the use of her debit card and any credit cards in her name that we shared....getting credit  card as an ex-pat was already a dance with the devil....now it will be that much worse as I add my age into the mix.....I would consider suicide but I am too busy right now and the USA hasn't sent me permission to move on.

    Fred

    I knew they would do that so I told the funeral home I would notify the consulate and got my money out before they closed my accounts,I took 2 months to notify the consulate and SS immediately went into my account at scwab and took the money that I had left so I could return it..Schwab immediately blocked the account  and it was blocked until I could prove my husband had less than 60 000 dollars of non transferable assets... How do you prove you do not have anythig.. Took 30 % of my IRA which I had to claim back and 2 years later I still do not have what they owe me.. Social security or the US cannot touch the Mexican accounts but can help themselves with the US ones..

    The nighmare for me is an on going one because I am not a US citizen so consider yourself lucky...  The stuff we find out when it is too late...The French have a song about that..

    • Sad 1
  3. 20 hours ago, RickS said:

    This is for a Chiapas location, no? Requirements for balmy Lake Chapala might be different.

    if You have áreas further than the distance recommended for the unit get several smaller units if You can.

    Not really, the distances is what is important.Granted the cold climate makes things more  complicated but the distance between the water heater and the delivery pont is what is important and should be taken into account..

    I have a de paso here In Ajijic  with a capacity for 3 delivery points and it works fine but the distance between the delivery points and the heater is short

    The kitchen  is further away  on the límit and the water does not get as hot and that is here i'm balmy Ajijic.

    i love de paso because they sabe a Lot of gas.

     

     

  4. I asked an ingeneer what to do as one bathroom is 35 m from the heater.The house is a one story 2 bedroom and he told me to get a heater to cover 4 yo 5 bedroom  if both bathrooms are ocupied on a regular basis or a 3 to 4 bedroom one as it is a guest bedroom.there is no way to install a small hot water  next to each bathroom.like artsnob did.

    The water for a 2 bathroom one does not travel well over 15 metres especially where i live where it gets very could.

     

  5. if it was at night the dog was not in danger of overheating, he mayhave had separation anxiety and it probavly was not in any danger just stressed. I have a dog who will walk in the next room while we are at home with him and will start crying and howling totally stressed out because he is alone..  My dogs are all crate trained and feel safer in a crate but one of them will make a huge racket if I am not around al the time and near him.. He is a rescue so who knows what happend to him before.

    Call the police because a dog in no danger is barking in Mexico?? Pretty funny

    • Thanks 1
  6. ATM machines have cameras so no need to call anyone. It probably did not work and someone pocketed the money when they saw the camera was not on.. or something like that.. as artsnob says do not go to that machine .. or my recommendation close the account and go somewhere else, a bank that lets things happen to their customers and goes against them should be walked away from.

  7. 4 hours ago, blankletmusic said:

     It's really unfortunate that your bank would not reimburse you, Lexy. It really stinks. That should be a real wake- up call for those of us that use atms.   That said...We used to use Lloyd/Actinver in Ajijic and Chapala. Wrote a check and went through their somewhat lengthy process to get pesos .Seems like a hundred years ago.....But it worked pretty well as long as you were patient.

     

    Is that still a viable way to get pesos these days? Or is that pretty much antiquated now?

    Not all banks are the same. I had preoblems twice at HSBC and once at BBVA but in every case I got the money back.. The is something wrong with that ATM.. THe machines have to balance at the end of the day and they have cameras, something bad happened. SOmeone got that money . I would think..Someone familiar with the system.

    • Thanks 2
  8. On 1/9/2023 at 11:31 AM, sm1mex said:

    50% discount to Mexican citizens 

    Chapala won’t give the discount to permanente residents. 

    Chapala does not give discount high enough to Mexicans to be worth it.The early Bird discount is higher that what they give to Mexicans.I am.a citizen and asked about it.

     

  9. All you have to do,e is drive by once in a while and yes it is where th dealers moved to. I do not know if they have anything to do with the van but if it is the same gang or cartel they are but I remember that at one time the police did not want to mess around with the guys from that area because they were helping the children at Christmas so maybe it is one of the reason nothing happens.. The police is thinking of the children..

    • Haha 3
×
×
  • Create New...