Do I know What I'm Doing?

 

I'm scared right now because I think I know what I'm doing.  That's not a good sign.   I don't have a date for moving to Malta right now.  But I'm starting with the banking process.  I have my bank here--Bank of America (BOA)--and I think I'm going with HSBC in Malta.  The HSBC International Banking people have been quite courteous so far.  They say I can call them early enough in the day (six hours difference between Eastern Standard Time (EST) in the US and Malta, and they will link me up right then and there with someone from the bank in Malta so I can ask questions.  I've got to hear this to believe it...

 

The banks in Malta (there are several) have raised the public's ire this past month because they started charging customers six Euros per online transaction.  That's over $6.  With my OCD, I'd be broke within a week.  However, the HSBC Bank in Malta is one that is not charging like that.  But we'll see when I have that promised conversation with the banker in Malta via the HSBC International hotline. 

 

This made me laugh. In order to open an account in Malta, you have to get a letter of reference from the BOA.  A letter of reference. What is that letter going to say?  "Yes, we know account no. 555555 and it's a great account.  The account is active every single day, especially online.  Sometimes the account is checked four or five times a day.  We recommend the individual with this account because they really like online banking and do it a lot." 

 

OK, so I haven't bounced a check since I got out of college.  Is that what the reference letter will say?  And how about this:  How long will it take the BOA to get me that letter of reference?