There is something very powerful when finding yourself in a position where you are completely helpless and have no alternative but to change your perspective and laugh at the situation. Thus is the situation we have been working with someone on this week: waiting for money to be transferred from another institution. In an estate settlement situation, the long awaited and much needed money will be a huge weight off their shoulders. However, there is this very interesting process that is not very well documented, but seems to appear over and over again in various bank policies about reasons why money cannot be available at certain times.

Here is the situation as well as what you can learn from this: Money is deposited to bank A. Client requests bank A send money to bank B. Bank A says the money is EFTd (electronic funds transferred) to bank B and a receipt is provided to the client so Bank A is no longer responsible for the money. Bank B says they know nothing about the money so they cannot do anything to track it. Both banks indicate that these things are ‘batch processed’ and should appear that day – oh, sorry, the next business day, oh dear, it is the weekend, the next business day is in 3 days.

The client knows they have the money so they take the various receipts to bank B to request an extension of their line of credit. Bank B says they have no way to verify the funds and have systems in place that will not let them act on the request that quickly.

Hmmm… where is the money? Neither the original depositor, nor the client has access to it for what will amount to about 4 days.

This is a question that warrants some serious discussion. But, in the meantime, my point to all this is that the client truly is stuck for the short-term unless they have friends or family or other resources to borrow funds from for the short-term. So what can they do is always the question to be asked.

In this case, they are going to have to wait, and because the situation has been tiring and stressful, they have decided to laugh and share jokes. It is never about the money, it is always about what is truly important such as friends, family, relationships, health and laughter. So in my last communication about this issue, it was signed Roflmao, which apparently means rolling on the floor laughing…

Whew, this was a long introduction.

Everyone wants to make more money, and everyone needs to have some money to survive in western society.