Saturday, November 9, 2013

Being homeless makes banking hard

Even this picture is from several years after I left Texas
and was just home for a visit. It's really not that surprising
that it's hard to prove that it's my "home". 
 I left Texas when I was 18 or 19 - half my life ago. Despite that I've kept a Texas drivers license as I bounce around and occasionally update it to match my parents address. I'm sure they are thankful for the slow trickle of junk mail I send their way. To show my gratitude for recent actions on their part I should probably start signing up for more entertaining newsletters. Something extolling the virtues of Icelandic pop music and it's relation to creationism would be good (please email me any newsletters you know of that fit this criteria).

The utter lack of any form of permanent address is not normally an issue, not until I try to open an account with anything financial related. Utility bills, lease agreements - apparently these are the things you use to prove who you are? A passport, and a drivers license that doesn't match my banking address isn't enough? What's the point of the social security card I've kept a scan of for all these years? If a passport doesn't prove who I am, then why do they charge that ever increasing amount to have one and force me to show it so often? I think I'll need have a discussion with immigration when I next come to the states as to the futility of proving my identity with that little blue book and the stamps of authority mocking me for leaving pages still untouched. If a bank who handles only money won't take it as proof then how dare they accept it when so many lives are at stake. It almost makes me think that the entire TSA is nothing but theater.

Matters are also complicated by my lack of credit history. The only credit card I ever had was a Chevron gas card' in college that took years to pay off (I think it took years, at this point I can't even swear to it having ever been paid off) and burned me to to entire idea of credit cards. I think it's rather obvious I've never had a mortgage either. Why would I take a loan for a house I plan to leave in a couple of years anyway? That neighborhood/continent is bound to get boring soon enough. I'm not even sure how I opened a bank account, and am now fearful of it ever getting shut down. I have no idea how I'd even be able to open another one in the states, it might be time to open one in the Cayman islands as a backup.

I'm me, I'd almost swear to it. I'm also taking recommendations for banks in the Cayman islands and stock trading websites that don't ask too many questions.

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  1. There are many assumptions about homeless people. Perhaps the most common is that they are too lazy to work. Having been there myself and having worked with many others in the same situation, I have to say that for the vast majority of homeless people the assumption that they are all lazy is dead wrong.

  2. I get the feeling that the last comment was from someone who didn't read the post....