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I have been banking with a credit union for over 5 years now and I LOVE it!
They're great. I started using them when I went to college and have continued being their customer. They don't have stupid fees or limits like other banks do.
I briefly used a major US bank in addition to the credit union for a year and I hated it. I got a fee for having less than $20 in my account, a fee every three months if I didn't have over $200 in my savings account, an overdraft fee, which was then doubled every day I didn't bring my account balance to over $20, it was ridiculous.
Sure, there aren't ATMs everywhere with the credit union but if I'm going to need cash (which is rarely if ever, I usually use debit card for everything) I get cash back when I'm at the grocery store or Target. The only inconvenience is if someone pays me with a check (maybe twice a year). I get my paychecks direct deposited.
Now some banks are even charging for you to be able to speak with a teller or to use your debit card, it's getting to be too much. I highly recommend small banks and credit unions.
On the iPhone factory suicides: to be fair to Apple, Cornell University had suicide nets and fences put up around its campus after a string of suicides a few years ago. Does that mean the government should shut the school down or parents should stop sending the kids to the school? In reality there were a few highly publicized suicides where kids killed themselves in a drastic way (jumping off bridges into gorges) and the suicides were on par with the national average. There have also been a few students who have jumped off the library of NYU. Do they get rid of the library?
I'm not condoning what Apple is doing, but when every major manufacturer is doing the same thing and it takes a miracle to pass anything though congress nowadays, how do we change this? To not purchase anything made in these conditions would be to be separate from all technology, the majority of textiles, goods, even food. To completely separate from goods made this way is to most likely live in the woods or on a commune, an option the majority of Americans are unwilling to do.
It's good that we are aware of how our products are made, but we need to come up with some solutions on how to change the entire capitalist industry before we can blame one company over another.
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