Why do minors have less rights than adults?

[rbV5]

Originally posted by: goku

Originally posted by: dullard

Originally posted by: goku
But I don't know if you realize but you have a JOINT checking account with your legal guardian, it isn't a separate account that is linked in some way or a completely independent account, but a joint account. Do you get bankstatements in the mail? In the little plastic box where it says the address, who is it addressed to?

Exactly. All of us got joint accounts as minors and had 100% access to all of our money. What is the problem? A minor with a joint account can deposit and withdraw money. You yourself got a checking account and withdrew money from it. So don't go around saying you CAN'T do it - especially when you did it.

You just had the wrong form of account opened to begin with. Did you happen to have one of those education savings accounts where you CAN'T withdraw it? That might explain a lot of the confusions here.

If you're a parent going to a bank and you ask to open a savings account for you child, the first thing that pops into the tellers head will NOT be a joint savings/checking account, period. They strongly advise against it and that is why minors don't generally have them. No, it wasn't an education savings account, a kid wouldn'tbe getting a bankstatement every month nor could he deposit money into that readily.

Like most of your posts in this thread, that is bullshit. I just did exactly that. The teller doesn't handle new accounts either, btw.

You talk to an accounts manager and they discuss your situation and offer you the solutions they have. Like any financial transaction, they must make disclosures, and with those disclosures, as a professional , they will offer advice. You then pick the account that fits your situation and open the account. No problem, or issues.

 

[dullard]

Originally posted by: goku
If you're a parent going to a bank and you ask to open a savings account for you child, the first thing that pops into the tellers head will NOT be a joint savings/checking account, period. They strongly advise against it and that is why minors don't generally have them. No, it wasn't an education savings account, a kid wouldn'tbe getting a bankstatement every month nor could he deposit money into that readily.

Well I had joint accounts all through my childhood. My siblings had joint ones too. So did all of my friends. That way both the adult and the child had the ability to deposit/withdraw the money. Problem solved.

 

[AznAnarchy99]

Well all of you are talking about kids using money on baseball cards, the legal age (in Cali) to work is 16. I dont think most 16 year olds are going to buy baseball cards over a car.

 

[Born2bwire]

Originally posted by: goku

Originally posted by: Dumac
They made a big stink about the whole thing since I didn't have my birth certificate there or other form of identification, so they said that they would make the account but my personal information would have to be faxed ASAP otherwise 'they might get in serious trouble' yada yada yada.

Yeah, what kind of asshole requires you to have personal identification to start important financial services like a bank account?

 

[thoro86]

Originally posted by: topslop1

Originally posted by: Kalvin00
Because anyone under 18 is not able to make good decisions on their own.

Much like anyone under 21 cannot responsibly handle alcohol.

:roll:

Im 18 and I can handle both. Thanks.

Well probably most 18 y.o. aren't as wise as you my friend...

 

[imported_goku]

Originally posted by: rbV5

Originally posted by: goku

Originally posted by: dullard

Originally posted by: goku
But I don't know if you realize but you have a JOINT checking account with your legal guardian, it isn't a separate account that is linked in some way or a completely independent account, but a joint account. Do you get bankstatements in the mail? In the little plastic box where it says the address, who is it addressed to?

Exactly. All of us got joint accounts as minors and had 100% access to all of our money. What is the problem? A minor with a joint account can deposit and withdraw money. You yourself got a checking account and withdrew money from it. So don't go around saying you CAN'T do it - especially when you did it.

You just had the wrong form of account opened to begin with. Did you happen to have one of those education savings accounts where you CAN'T withdraw it? That might explain a lot of the confusions here.

If you're a parent going to a bank and you ask to open a savings account for you child, the first thing that pops into the tellers head will NOT be a joint savings/checking account, period. They strongly advise against it and that is why minors don't generally have them. No, it wasn't an education savings account, a kid wouldn'tbe getting a bankstatement every month nor could he deposit money into that readily.

Like most of your posts in this thread, that is bullshit. I just did exactly that. The teller doesn't handle new accounts either, btw.

What is your point? Look I'm bitching because my bank, or at least the 'teller' just wants to follow the law and so thats why she wouldn't let me withdraw money from the account, imo thats bullshit. Yes I know the teller doesnt' handle new bank accounts but when I created my new account, the first person I went to was her which she told of the 'well, under a certain circumstance...' so after that she directed me to the person that actually handles the accounts. Is that better for you? Thought this was unnecessary information but what ever...

Plus I don't think they can open checking accounts for a 6 year old, I believe the age limit was 14?

 

[Wheezer]

Why do minors have less rights than adults?

you know, you could always fix this issue to old fashioned way and vote....oh wait no you can't...ok well forget that...your screwed.

 

[imported_goku]

Originally posted by: Wheezer

Why do minors have less rights than adults?

you know, you could always fix this issue to old fashioned way and vote....oh wait no you can't...ok well forget that...your screwed.

What the hell am I going to vote for? What kind of legislation have they proposed that would give minors more rights? I'm waiting....

 

[JulesMaximus]

Originally posted by: goku

Originally posted by: rbV5

Originally posted by: goku

Originally posted by: dullard

Originally posted by: goku
But I don't know if you realize but you have a JOINT checking account with your legal guardian, it isn't a separate account that is linked in some way or a completely independent account, but a joint account. Do you get bankstatements in the mail? In the little plastic box where it says the address, who is it addressed to?

Exactly. All of us got joint accounts as minors and had 100% access to all of our money. What is the problem? A minor with a joint account can deposit and withdraw money. You yourself got a checking account and withdrew money from it. So don't go around saying you CAN'T do it - especially when you did it.

You just had the wrong form of account opened to begin with. Did you happen to have one of those education savings accounts where you CAN'T withdraw it? That might explain a lot of the confusions here.

If you're a parent going to a bank and you ask to open a savings account for you child, the first thing that pops into the tellers head will NOT be a joint savings/checking account, period. They strongly advise against it and that is why minors don't generally have them. No, it wasn't an education savings account, a kid wouldn'tbe getting a bankstatement every month nor could he deposit money into that readily.

Like most of your posts in this thread, that is bullshit. I just did exactly that. The teller doesn't handle new accounts either, btw.

What is your point? Look I'm bitching because my bank, or at least the 'teller' just wants to follow the law and so thats why she wouldn't let me withdraw money from the account, imo thats bullshit. Yes I know the teller doesnt' handle new bank accounts but when I created my new account, the first person I went to was her which she told of the 'well, under a certain circumstance...' so after that she directed me to the person that actually handles the accounts. Is that better for you? Thought this was unnecessary information but what ever...

Plus I don't think they can open checking accounts for a 6 year old, I believe the age limit was 14?

What the hell are you babbling about now? Dude, you need to stop fricken posting in this thread and just let it die.

Grow up already...

 

[imported_goku]

Originally posted by: JulesMaximus

Originally posted by: goku

Originally posted by: rbV5

Originally posted by: goku

Originally posted by: dullard

Originally posted by: goku
But I don't know if you realize but you have a JOINT checking account with your legal guardian, it isn't a separate account that is linked in some way or a completely independent account, but a joint account. Do you get bankstatements in the mail? In the little plastic box where it says the address, who is it addressed to?

Exactly. All of us got joint accounts as minors and had 100% access to all of our money. What is the problem? A minor with a joint account can deposit and withdraw money. You yourself got a checking account and withdrew money from it. So don't go around saying you CAN'T do it - especially when you did it.

You just had the wrong form of account opened to begin with. Did you happen to have one of those education savings accounts where you CAN'T withdraw it? That might explain a lot of the confusions here.

If you're a parent going to a bank and you ask to open a savings account for you child, the first thing that pops into the tellers head will NOT be a joint savings/checking account, period. They strongly advise against it and that is why minors don't generally have them. No, it wasn't an education savings account, a kid wouldn'tbe getting a bankstatement every month nor could he deposit money into that readily.

Like most of your posts in this thread, that is bullshit. I just did exactly that. The teller doesn't handle new accounts either, btw.

What is your point? Look I'm bitching because my bank, or at least the 'teller' just wants to follow the law and so thats why she wouldn't let me withdraw money from the account, imo thats bullshit. Yes I know the teller doesnt' handle new bank accounts but when I created my new account, the first person I went to was her which she told of the 'well, under a certain circumstance...' so after that she directed me to the person that actually handles the accounts. Is that better for you? Thought this was unnecessary information but what ever...

Plus I don't think they can open checking accounts for a 6 year old, I believe the age limit was 14?

Blah blah blah blah blah

 

[imported_goku]

Originally posted by: Vic

Originally posted by: goku

Originally posted by: Vic

Originally posted by: kranky
If minors would be allowed to control their own finances, and enter into contractual agreements, I would quit my job and start my own business in a heartbeat. I would become a millionaire in under a year, legally extracting money from minors who don't know what they are doing.

Thats not funny, how is this any different from elderly people? Elderly people, (assuming of course that all minors are naive) are taken advantage of every day, the elderly are adults and people do exactly what Kranky just said, and thats called FRAUD.

Not all minors are naive, some are some aren't, naive or not, there is not reason why a minor shouldn't be able to have their own checking account, let alone being able to withdraw THEIR OWN MONEY THEY DEPOSITED.

It's funny 'cause it's true, that's why.

Here's what my dad used to tell me when I was kid. "Quick! Leave home and go out into the world now while you still know everything."

BTW, with that logic, noone should ever leave home because you can't possibly know everything. Kids don't know everything but neither do adults or the edlerly. There is no reason why a minor can't have the same rights as another individual, it's discrimination pure and simple. There is nothing to say that an 18 year old is adept at handling their finances better than a 17 year old or even 14 year old. Basically what our government has done is set a cutoff date on when to 'drop the bombshell' on them. What the system should be is a gradual increase in responsibilites and not an 'all at once' type deal which IMO is stupid.

 

[imported_goku]

bump

 

[videogames101]

bump

 

[marulee]

Originally posted by: bigrash
cause of kids like you.

:thumbsup:

 

[marulee]

Originally posted by: diegoalcatraz
Life's not fair.

:thumbsup::thumbsup:

 

[bennylong]

wow, this thread is still alive

 

[Suspicious-Teach8788]

Originally posted by: goku

Originally posted by: Vic

Originally posted by: goku

Originally posted by: Vic

Originally posted by: kranky
If minors would be allowed to control their own finances, and enter into contractual agreements, I would quit my job and start my own business in a heartbeat. I would become a millionaire in under a year, legally extracting money from minors who don't know what they are doing.

Thats not funny, how is this any different from elderly people? Elderly people, (assuming of course that all minors are naive) are taken advantage of every day, the elderly are adults and people do exactly what Kranky just said, and thats called FRAUD.

Not all minors are naive, some are some aren't, naive or not, there is not reason why a minor shouldn't be able to have their own checking account, let alone being able to withdraw THEIR OWN MONEY THEY DEPOSITED.

It's funny 'cause it's true, that's why.

Here's what my dad used to tell me when I was kid. "Quick! Leave home and go out into the world now while you still know everything."

BTW, with that logic, noone should ever leave home because you can't possibly know everything. Kids don't know everything but neither do adults or the edlerly. There is no reason why a minor can't have the same rights as another individual, it's discrimination pure and simple. There is nothing to say that an 18 year old is adept at handling their finances better than a 17 year old or even 14 year old. Basically what our government has done is set a cutoff date on when to 'drop the bombshell' on them. What the system should be is a gradual increase in responsibilites and not an 'all at once' type deal which IMO is stupid.

Because there's general trends. We all know more 18 year-olds will be more responsible than 13-year-olds if given the same rights. Done deal. You guys take isolated incidents and say "it's not always true that adults are more mature by the time they're 18" but the fact that there are TRENDS and CORRELATIONS that make decisions like these simple. You give rights to those who are more likely to use them properly.

 

[jdini76]

Kids have the right to divorce their parents.

 

[JulesMaximus]

Why was this 2 month old dead thread bumped? It was a stupid thread 2 months ago. It's even more stupid now.