On Wed, 22 Apr 2020 06:54:18 -0400, John wrote:

On Tue, 21 Apr 2020 19:44:37 -0400, wrote:

On Tue, 21 Apr 2020 15:31:55 -0400, John wrote:

On Tue, 21 Apr 2020 13:39:14 -0400, wrote:

On Tue, 21 Apr 2020 07:28:38 -0400, John wrote:

On Mon, 20 Apr 2020 19:07:03 -0400, wrote:

On Mon, 20 Apr 2020 16:47:20 -0400, John wrote:

On Mon, 20 Apr 2020 16:33:36 -0400, wrote:

On Mon, 20 Apr 2020 14:49:42 -0400, John wrote:

On Mon, 20 Apr 2020 14:13:40 -0400, wrote:

On Mon, 20 Apr 2020 13:09:30 -0400, John wrote:

On Mon, 20 Apr 2020 12:57:25 -0400, wrote:

On Mon, 20 Apr 2020 06:58:56 -0400, John wrote:

On Sun, 19 Apr 2020 21:31:18 -0400, wrote:

On Sun, 19 Apr 2020 19:27:07 -0400, John wrote:

On Sun, 19 Apr 2020 19:09:55 -0400, wrote:

On Sun, 19 Apr 2020 14:34:44 -0400, John wrote:

On Sun, 19 Apr 2020 14:03:31 -0400, wrote:

On Sun, 19 Apr 2020 13:38:44 -0400, John wrote:

On Sun, 19 Apr 2020 17:01:52 -0000 (UTC), Bill
wrote:



I looked on the IRS site wondering where my money was. We get our refund
for years direct deposit, our social security checks for 15 years have been
direct deposit to the same account. The site said I was eligible, but
needed banking info. Sad, they are this incompetent. So you may want to
check your eligibility and see if they have the bank info.

Mine came through fine.

IRS says they sent mine but I should check with the bank to see if
they have it. I am just going to wait for my next bank statement. I am
not even sure the bank is open. I doubt I will see it just by looking
at my balance.

Us modernized folks can check our accounts online.
+

I guess if you believe, go for it.
I limit online exposure to my money.

Me too. It's between me and my bank.

You your bank and anyone else on the internet who can crack your
security or the bank's.

If I believe in what?

That you or they can't be hacked.

The convenience is well worth the odds.

What convenience? I have enough money in the bank that I don't need to
be looking at it every day.

I pay bills, get my checking, savings, and credit card statements all online
from the bank. Payments are made by transferring money online from one account
to another or to the payee - water, electric, gas, credit card, etc.

That's called convenience. Has nothing to do with how 'much' money you have.

I EFT things like bills and payments to me but that is not the same as
an open internet portal with my name on the transaction. If someone
hacks your phone and logs on as you, your chances of fighting it are
harder than if someone pretends to be the power company.
The only value I see to logging into my account is to transfer money
between accounts or check my balance. I don't care about either of
those enough to have one more password to protect. (or 5 if I had
access to all of my accounts)

Like I said, the convenience is well worth the odds.

I guess I just haven't missed it.
I don't really deal with my banks that much and I usually just go
there when I do. That ends up being a few times a year. If nothing
else, it is not worth having 4 or 5 more passwords to remember.

I do all that with one password.

Same password different banks? That is not a great idea.

Only one bank. No need for others.

I never thought only having one bank was a good idea. It makes it too
hard to fire them if they **** you off. With multiple banks you also
have a better chance of finding an ATM nearby that doesn't charge you
$4 to get a $20.

I've been with my current bank for 55 years. Never had a problem with them. I
think having one bank is a great idea.

It is fine until you are somewhere that doesn't have that bank around.
When you get out west in the boonies, bank options are more limited.

That's why God invented Visa.

It may be shocking to you but we have been in places that just wanted
cash and it always ****es me off paying foreign bank ATM fees.

On Wed, 22 Apr 2020 07:12:08 -0400, "Mr. Luddite"
wrote:

On 4/22/2020 6:54 AM, John wrote:
On Tue, 21 Apr 2020 19:44:37 -0400, wrote:

On Tue, 21 Apr 2020 15:31:55 -0400, John wrote:

On Tue, 21 Apr 2020 13:39:14 -0400, wrote:

On Tue, 21 Apr 2020 07:28:38 -0400, John wrote:

On Mon, 20 Apr 2020 19:07:03 -0400, wrote:

On Mon, 20 Apr 2020 16:47:20 -0400, John wrote:

On Mon, 20 Apr 2020 16:33:36 -0400, wrote:

On Mon, 20 Apr 2020 14:49:42 -0400, John wrote:

On Mon, 20 Apr 2020 14:13:40 -0400, wrote:

On Mon, 20 Apr 2020 13:09:30 -0400, John wrote:

On Mon, 20 Apr 2020 12:57:25 -0400, wrote:

On Mon, 20 Apr 2020 06:58:56 -0400, John wrote:

On Sun, 19 Apr 2020 21:31:18 -0400, wrote:

On Sun, 19 Apr 2020 19:27:07 -0400, John wrote:

On Sun, 19 Apr 2020 19:09:55 -0400, wrote:

On Sun, 19 Apr 2020 14:34:44 -0400, John wrote:

On Sun, 19 Apr 2020 14:03:31 -0400, wrote:

On Sun, 19 Apr 2020 13:38:44 -0400, John wrote:

On Sun, 19 Apr 2020 17:01:52 -0000 (UTC), Bill
wrote:



I looked on the IRS site wondering where my money was. We get our refund
for years direct deposit, our social security checks for 15 years have been
direct deposit to the same account. The site said I was eligible, but
needed banking info. Sad, they are this incompetent. So you may want to
check your eligibility and see if they have the bank info.

Mine came through fine.

IRS says they sent mine but I should check with the bank to see if
they have it. I am just going to wait for my next bank statement. I am
not even sure the bank is open. I doubt I will see it just by looking
at my balance.

Us modernized folks can check our accounts online.
+

I guess if you believe, go for it.
I limit online exposure to my money.

Me too. It's between me and my bank.

You your bank and anyone else on the internet who can crack your
security or the bank's.

If I believe in what?

That you or they can't be hacked.

The convenience is well worth the odds.

What convenience? I have enough money in the bank that I don't need to
be looking at it every day.

I pay bills, get my checking, savings, and credit card statements all online
from the bank. Payments are made by transferring money online from one account
to another or to the payee - water, electric, gas, credit card, etc.

That's called convenience. Has nothing to do with how 'much' money you have.

I EFT things like bills and payments to me but that is not the same as
an open internet portal with my name on the transaction. If someone
hacks your phone and logs on as you, your chances of fighting it are
harder than if someone pretends to be the power company.
The only value I see to logging into my account is to transfer money
between accounts or check my balance. I don't care about either of
those enough to have one more password to protect. (or 5 if I had
access to all of my accounts)

Like I said, the convenience is well worth the odds.

I guess I just haven't missed it.
I don't really deal with my banks that much and I usually just go
there when I do. That ends up being a few times a year. If nothing
else, it is not worth having 4 or 5 more passwords to remember.

I do all that with one password.

Same password different banks? That is not a great idea.

Only one bank. No need for others.

I never thought only having one bank was a good idea. It makes it too
hard to fire them if they **** you off. With multiple banks you also
have a better chance of finding an ATM nearby that doesn't charge you
$4 to get a $20.

I've been with my current bank for 55 years. Never had a problem with them. I
think having one bank is a great idea.

It is fine until you are somewhere that doesn't have that bank around.
When you get out west in the boonies, bank options are more limited.


That's why God invented Visa.

Our first "credit card" was a Sears revolving charge card. Mrs.E. and I
were just married, barely 20 years old and we had to meet with a
representative from Sears who gave us a lecture on responsible use of
the card.

This was way before Sears started Discover cards and also started
accepting regular credit cards.

My first card was a Shell card, I went straight from there to Am Ex
(68 or so). It wasn't until the 70s that I got a Visa (BankAmericard
at the time).

On Wed, 22 Apr 2020 15:18:34 -0000 (UTC), Bill
wrote:

wrote:
On Wed, 22 Apr 2020 03:25:49 -0000 (UTC), Bill
wrote:

wrote:
On Tue, 21 Apr 2020 22:14:27 -0000 (UTC), Bill
wrote:

John wrote:
On Tue, 21 Apr 2020 15:44:58 -0400, wrote:

On Tue, 21 Apr 2020 15:29:20 -0400, John wrote:

On Tue, 21 Apr 2020 13:39:14 -0400, wrote:

On Tue, 21 Apr 2020 07:28:38 -0400, John wrote:

On Mon, 20 Apr 2020 19:07:03 -0400, wrote:

On Mon, 20 Apr 2020 16:47:20 -0400, John wrote:

On Mon, 20 Apr 2020 16:33:36 -0400, wrote:

On Mon, 20 Apr 2020 14:49:42 -0400, John wrote:

On Mon, 20 Apr 2020 14:13:40 -0400, wrote:

On Mon, 20 Apr 2020 13:09:30 -0400, John wrote:

On Mon, 20 Apr 2020 12:57:25 -0400, wrote:

On Mon, 20 Apr 2020 06:58:56 -0400, John wrote:

On Sun, 19 Apr 2020 21:31:18 -0400, wrote:

On Sun, 19 Apr 2020 19:27:07 -0400, John wrote:

On Sun, 19 Apr 2020 19:09:55 -0400, wrote:

On Sun, 19 Apr 2020 14:34:44 -0400, John wrote:

On Sun, 19 Apr 2020 14:03:31 -0400, wrote:

On Sun, 19 Apr 2020 13:38:44 -0400, John wrote:

On Sun, 19 Apr 2020 17:01:52 -0000 (UTC), Bill

wrote:



I looked on the IRS site wondering where my money was. We get our
refund
for years direct deposit, our social
security checks for 15 years have been
direct deposit to the same account. The site said I was eligible,
but
needed banking info. Sad, they are this
incompetent. So you may want
to
check your eligibility and see if they have the bank info.

Mine came through fine.

IRS says they sent mine but I should check with the bank to see if
they have it. I am just going to wait for my next bank statement. I am
not even sure the bank is open. I doubt I will see it just by looking
at my balance.

Us modernized folks can check our accounts online.
+

I guess if you believe, go for it.
I limit online exposure to my money.

Me too. It's between me and my bank.

You your bank and anyone else on the internet who can crack your
security or the bank's.

If I believe in what?

That you or they can't be hacked.

The convenience is well worth the odds.

What convenience? I have enough money in the bank that I don't need to
be looking at it every day.

I pay bills, get my checking, savings, and credit card statements all online
from the bank. Payments are made by transferring money online from one
account
to another or to the payee - water, electric, gas,
credit card, etc.

That's called convenience. Has nothing to do with how 'much' money you have.

I EFT things like bills and payments to me but that is not the same as
an open internet portal with my name on the transaction. If someone
hacks your phone and logs on as you, your chances of fighting it are
harder than if someone pretends to be the power company.
The only value I see to logging into my account is to transfer money
between accounts or check my balance. I don't care about either of
those enough to have one more password to protect. (or 5 if I had
access to all of my accounts)

Like I said, the convenience is well worth the odds.

I guess I just haven't missed it.
I don't really deal with my banks that much and I usually just go
there when I do. That ends up being a few times a year. If nothing
else, it is not worth having 4 or 5 more passwords to remember.

I do all that with one password.

Same password different banks? That is not a great idea.

Only one bank. No need for others.

I never thought only having one bank was a good idea. It makes it too
hard to fire them if they **** you off. With multiple banks you also
have a better chance of finding an ATM nearby that doesn't charge you
$4 to get a $20.

I've used an ATM only once in my life. That was in Holland when I needed some
Euros.
--

===

How do you get cash here in the states? My former employer was an ATM
pioneer so I've been using them for 40+ years. Never had a problem.

My branch is only a mile or so away. About once every six months I get a couple
thousand in 50's. I use cash very seldom. Grandkids and the cleaning girl
mostly. If I buy a potato at Safeway, it goes on the credit card. My bank has a
reward system - 2% for everything.
--

Freedom Isn't Free!


I would not get $50’s. They were harder to pass than $100’s. I use
$20. I pay cash at small stores so they actually make a profit. Friends
own a donut shop. People will put a $2 purchase on a card. That costs
the store $0.25-35 minimum. They do have a $5 minimum, but ignore most the
time.

Handling cash isn't free either if your labor and risk mean anything
to you and if you are not stuffing some in your hip pocket now and
then, cards end up being cheaper.
The bigger the company, the more expensive it is to deal with cash.
(labor + risk).
That is why stores like you getting cash back on a debit purchase.
They get the money and don't have to deal with securing it and
depositing it.


But, I always like some cash. When I ran a continuing engineering group I
always told the guys working for me to carry a good amount of cash. They
said, well they had the company AmEx card and a debit card. Asked what
happens when no ATM handy, or you want food where they don’t take cards?
Same with my parents, who were children and young adults in the depression.

I usually have lunch money with me but not usually over $50-100. When
we were in "Roto Rooter" (Rotorua) New Zealand. I got $100 out of the
ATM and we walked around that little 4 block entertainment area in
town. A couple hours later I was back at the ATM and we didn't even
have dinner there. That was another "Land of the disappearing $100
bills" ... like Alaska.


I always get $300-500 equivalent from an ATM in a foreign country. But
since I have to pay the ATM fee, saves money that way. Rotorua was one of
our favorite places in NZ. Best and worst meal there, Best was Ciccio’s.
Great food, and a Maori family was having a birthday party in the back.
Some of the guys did their war dances. Worst was McDonalds. We had a
late lunch out by some hot pools the locals use. So, decided to have a
salad at McD’s. 2 salads and 2 drinks $25 and absolutely no taste to the
salads. Ciccio’s steak and sides were only about $40.

The sulfur smell from the volcano seemed to make anything you ate
taste bad. (Hence Roto Rooter). Maybe that is better on some days than
others but it smelled like a pickled egg fart the whole time we were
there.
Judy just wanted to see the redwoods. Nothing like California tho.
http://gfretwell.com/ftp/New%20Zeala...20redwoods.jpg

They were just setting this up when we went over to the park and we
got a free walk through it. I am not sure what a ticket was but based
on NZ prices, it was probably $20 each.
http://gfretwell.com/ftp/New%20Zealand/Rotorua/maze.jpg

I was pretty happy that one of my banks was partner with WestPac. ATMs
were free.

On Wed, 22 Apr 2020 14:42:23 -0400, wrote:

On Wed, 22 Apr 2020 06:54:18 -0400, John wrote:

On Tue, 21 Apr 2020 19:44:37 -0400, wrote:

On Tue, 21 Apr 2020 15:31:55 -0400, John wrote:

On Tue, 21 Apr 2020 13:39:14 -0400, wrote:

On Tue, 21 Apr 2020 07:28:38 -0400, John wrote:

On Mon, 20 Apr 2020 19:07:03 -0400, wrote:

On Mon, 20 Apr 2020 16:47:20 -0400, John wrote:

On Mon, 20 Apr 2020 16:33:36 -0400, wrote:

On Mon, 20 Apr 2020 14:49:42 -0400, John wrote:

On Mon, 20 Apr 2020 14:13:40 -0400, wrote:

On Mon, 20 Apr 2020 13:09:30 -0400, John wrote:

On Mon, 20 Apr 2020 12:57:25 -0400, wrote:

On Mon, 20 Apr 2020 06:58:56 -0400, John wrote:

On Sun, 19 Apr 2020 21:31:18 -0400, wrote:

On Sun, 19 Apr 2020 19:27:07 -0400, John wrote:

On Sun, 19 Apr 2020 19:09:55 -0400, wrote:

On Sun, 19 Apr 2020 14:34:44 -0400, John wrote:

On Sun, 19 Apr 2020 14:03:31 -0400, wrote:

On Sun, 19 Apr 2020 13:38:44 -0400, John wrote:

On Sun, 19 Apr 2020 17:01:52 -0000 (UTC), Bill
wrote:



I looked on the IRS site wondering where my money was. We get our refund
for years direct deposit, our social security checks for 15 years have been
direct deposit to the same account. The site said I was eligible, but
needed banking info. Sad, they are this incompetent. So you may want to
check your eligibility and see if they have the bank info.

Mine came through fine.

IRS says they sent mine but I should check with the bank to see if
they have it. I am just going to wait for my next bank statement. I am
not even sure the bank is open. I doubt I will see it just by looking
at my balance.

Us modernized folks can check our accounts online.
+

I guess if you believe, go for it.
I limit online exposure to my money.

Me too. It's between me and my bank.

You your bank and anyone else on the internet who can crack your
security or the bank's.

If I believe in what?

That you or they can't be hacked.

The convenience is well worth the odds.

What convenience? I have enough money in the bank that I don't need to
be looking at it every day.

I pay bills, get my checking, savings, and credit card statements all online
from the bank. Payments are made by transferring money online from one account
to another or to the payee - water, electric, gas, credit card, etc.

That's called convenience. Has nothing to do with how 'much' money you have.

I EFT things like bills and payments to me but that is not the same as
an open internet portal with my name on the transaction. If someone
hacks your phone and logs on as you, your chances of fighting it are
harder than if someone pretends to be the power company.
The only value I see to logging into my account is to transfer money
between accounts or check my balance. I don't care about either of
those enough to have one more password to protect. (or 5 if I had
access to all of my accounts)

Like I said, the convenience is well worth the odds.

I guess I just haven't missed it.
I don't really deal with my banks that much and I usually just go
there when I do. That ends up being a few times a year. If nothing
else, it is not worth having 4 or 5 more passwords to remember.

I do all that with one password.

Same password different banks? That is not a great idea.

Only one bank. No need for others.

I never thought only having one bank was a good idea. It makes it too
hard to fire them if they **** you off. With multiple banks you also
have a better chance of finding an ATM nearby that doesn't charge you
$4 to get a $20.

I've been with my current bank for 55 years. Never had a problem with them. I
think having one bank is a great idea.

It is fine until you are somewhere that doesn't have that bank around.
When you get out west in the boonies, bank options are more limited.

That's why God invented Visa.

It may be shocking to you but we have been in places that just wanted
cash and it always ****es me off paying foreign bank ATM fees.

I always carry cash, but invariably I return home with it still in my pocket. I
haven't found those out-of-the-way places you've found.
--

Freedom Isn't Free!

John wrote:
On Wed, 22 Apr 2020 14:42:23 -0400, wrote:

On Wed, 22 Apr 2020 06:54:18 -0400, John wrote:

On Tue, 21 Apr 2020 19:44:37 -0400, wrote:

On Tue, 21 Apr 2020 15:31:55 -0400, John wrote:

On Tue, 21 Apr 2020 13:39:14 -0400, wrote:

On Tue, 21 Apr 2020 07:28:38 -0400, John wrote:

On Mon, 20 Apr 2020 19:07:03 -0400, wrote:

On Mon, 20 Apr 2020 16:47:20 -0400, John wrote:

On Mon, 20 Apr 2020 16:33:36 -0400, wrote:

On Mon, 20 Apr 2020 14:49:42 -0400, John wrote:

On Mon, 20 Apr 2020 14:13:40 -0400, wrote:

On Mon, 20 Apr 2020 13:09:30 -0400, John wrote:

On Mon, 20 Apr 2020 12:57:25 -0400, wrote:

On Mon, 20 Apr 2020 06:58:56 -0400, John wrote:

On Sun, 19 Apr 2020 21:31:18 -0400, wrote:

On Sun, 19 Apr 2020 19:27:07 -0400, John wrote:

On Sun, 19 Apr 2020 19:09:55 -0400, wrote:

On Sun, 19 Apr 2020 14:34:44 -0400, John wrote:

On Sun, 19 Apr 2020 14:03:31 -0400, wrote:

On Sun, 19 Apr 2020 13:38:44 -0400, John wrote:

On Sun, 19 Apr 2020 17:01:52 -0000 (UTC), Bill

wrote:



I looked on the IRS site wondering where my money was. We get our
refund
for years direct deposit, our social security checks for 15 years have
been
direct deposit to the same account. The site said I was eligible,
but
needed banking info. Sad, they are this
incompetent. So you may want to
check your eligibility and see if they have the bank info.

Mine came through fine.

IRS says they sent mine but I should check with the bank to see if
they have it. I am just going to wait for my next bank statement. I am
not even sure the bank is open. I doubt I will see it just by looking
at my balance.

Us modernized folks can check our accounts online.
+

I guess if you believe, go for it.
I limit online exposure to my money.

Me too. It's between me and my bank.

You your bank and anyone else on the internet who can crack your
security or the bank's.

If I believe in what?

That you or they can't be hacked.

The convenience is well worth the odds.

What convenience? I have enough money in the bank that I don't need to
be looking at it every day.

I pay bills, get my checking, savings, and credit card statements all online
from the bank. Payments are made by transferring money online from one account
to another or to the payee - water, electric, gas, credit card, etc.

That's called convenience. Has nothing to do with how 'much' money you have.

I EFT things like bills and payments to me but that is not the same as
an open internet portal with my name on the transaction. If someone
hacks your phone and logs on as you, your chances of fighting it are
harder than if someone pretends to be the power company.
The only value I see to logging into my account is to transfer money
between accounts or check my balance. I don't care about either of
those enough to have one more password to protect. (or 5 if I had
access to all of my accounts)

Like I said, the convenience is well worth the odds.

I guess I just haven't missed it.
I don't really deal with my banks that much and I usually just go
there when I do. That ends up being a few times a year. If nothing
else, it is not worth having 4 or 5 more passwords to remember.

I do all that with one password.

Same password different banks? That is not a great idea.

Only one bank. No need for others.

I never thought only having one bank was a good idea. It makes it too
hard to fire them if they **** you off. With multiple banks you also
have a better chance of finding an ATM nearby that doesn't charge you
$4 to get a $20.

I've been with my current bank for 55 years. Never had a problem with them. I
think having one bank is a great idea.

It is fine until you are somewhere that doesn't have that bank around.
When you get out west in the boonies, bank options are more limited.

That's why God invented Visa.

It may be shocking to you but we have been in places that just wanted
cash and it always ****es me off paying foreign bank ATM fees.

I always carry cash, but invariably I return home with it still in my pocket. I
haven't found those out-of-the-way places you've found.
--

Freedom Isn't Free!


You do cruises. Not backroads.

On Wed, 22 Apr 2020 22:08:03 -0000 (UTC), Bill
wrote:

John wrote:
On Wed, 22 Apr 2020 14:42:23 -0400, wrote:

On Wed, 22 Apr 2020 06:54:18 -0400, John wrote:

On Tue, 21 Apr 2020 19:44:37 -0400, wrote:

On Tue, 21 Apr 2020 15:31:55 -0400, John wrote:

On Tue, 21 Apr 2020 13:39:14 -0400, wrote:

On Tue, 21 Apr 2020 07:28:38 -0400, John wrote:

On Mon, 20 Apr 2020 19:07:03 -0400, wrote:

On Mon, 20 Apr 2020 16:47:20 -0400, John wrote:

On Mon, 20 Apr 2020 16:33:36 -0400, wrote:

On Mon, 20 Apr 2020 14:49:42 -0400, John wrote:

On Mon, 20 Apr 2020 14:13:40 -0400, wrote:

On Mon, 20 Apr 2020 13:09:30 -0400, John wrote:

On Mon, 20 Apr 2020 12:57:25 -0400, wrote:

On Mon, 20 Apr 2020 06:58:56 -0400, John wrote:

On Sun, 19 Apr 2020 21:31:18 -0400, wrote:

On Sun, 19 Apr 2020 19:27:07 -0400, John wrote:

On Sun, 19 Apr 2020 19:09:55 -0400, wrote:

On Sun, 19 Apr 2020 14:34:44 -0400, John wrote:

On Sun, 19 Apr 2020 14:03:31 -0400, wrote:

On Sun, 19 Apr 2020 13:38:44 -0400, John wrote:

On Sun, 19 Apr 2020 17:01:52 -0000 (UTC), Bill

wrote:



I looked on the IRS site wondering where my money was. We get our
refund
for years direct deposit, our social security checks for 15 years have
been
direct deposit to the same account. The site said I was eligible,
but
needed banking info. Sad, they are this
incompetent. So you may want to
check your eligibility and see if they have the bank info.

Mine came through fine.

IRS says they sent mine but I should check with the bank to see if
they have it. I am just going to wait for my next bank statement. I am
not even sure the bank is open. I doubt I will see it just by looking
at my balance.

Us modernized folks can check our accounts online.
+

I guess if you believe, go for it.
I limit online exposure to my money.

Me too. It's between me and my bank.

You your bank and anyone else on the internet who can crack your
security or the bank's.

If I believe in what?

That you or they can't be hacked.

The convenience is well worth the odds.

What convenience? I have enough money in the bank that I don't need to
be looking at it every day.

I pay bills, get my checking, savings, and credit card statements all online
from the bank. Payments are made by transferring money online from one account
to another or to the payee - water, electric, gas, credit card, etc.

That's called convenience. Has nothing to do with how 'much' money you have.

I EFT things like bills and payments to me but that is not the same as
an open internet portal with my name on the transaction. If someone
hacks your phone and logs on as you, your chances of fighting it are
harder than if someone pretends to be the power company.
The only value I see to logging into my account is to transfer money
between accounts or check my balance. I don't care about either of
those enough to have one more password to protect. (or 5 if I had
access to all of my accounts)

Like I said, the convenience is well worth the odds.

I guess I just haven't missed it.
I don't really deal with my banks that much and I usually just go
there when I do. That ends up being a few times a year. If nothing
else, it is not worth having 4 or 5 more passwords to remember.

I do all that with one password.

Same password different banks? That is not a great idea.

Only one bank. No need for others.

I never thought only having one bank was a good idea. It makes it too
hard to fire them if they **** you off. With multiple banks you also
have a better chance of finding an ATM nearby that doesn't charge you
$4 to get a $20.

I've been with my current bank for 55 years. Never had a problem with them. I
think having one bank is a great idea.

It is fine until you are somewhere that doesn't have that bank around.
When you get out west in the boonies, bank options are more limited.

That's why God invented Visa.

It may be shocking to you but we have been in places that just wanted
cash and it always ****es me off paying foreign bank ATM fees.

I always carry cash, but invariably I return home with it still in my pocket. I
haven't found those out-of-the-way places you've found.
--

Freedom Isn't Free!


You do cruises. Not backroads.

I was going to say that but I let it go.

wrote:
On Wed, 22 Apr 2020 22:08:03 -0000 (UTC), Bill
wrote:

John wrote:
On Wed, 22 Apr 2020 14:42:23 -0400, wrote:

On Wed, 22 Apr 2020 06:54:18 -0400, John wrote:

On Tue, 21 Apr 2020 19:44:37 -0400, wrote:

On Tue, 21 Apr 2020 15:31:55 -0400, John wrote:

On Tue, 21 Apr 2020 13:39:14 -0400, wrote:

On Tue, 21 Apr 2020 07:28:38 -0400, John wrote:

On Mon, 20 Apr 2020 19:07:03 -0400, wrote:

On Mon, 20 Apr 2020 16:47:20 -0400, John wrote:

On Mon, 20 Apr 2020 16:33:36 -0400, wrote:

On Mon, 20 Apr 2020 14:49:42 -0400, John wrote:

On Mon, 20 Apr 2020 14:13:40 -0400, wrote:

On Mon, 20 Apr 2020 13:09:30 -0400, John wrote:

On Mon, 20 Apr 2020 12:57:25 -0400, wrote:

On Mon, 20 Apr 2020 06:58:56 -0400, John wrote:

On Sun, 19 Apr 2020 21:31:18 -0400, wrote:

On Sun, 19 Apr 2020 19:27:07 -0400, John wrote:

On Sun, 19 Apr 2020 19:09:55 -0400, wrote:

On Sun, 19 Apr 2020 14:34:44 -0400, John wrote:

On Sun, 19 Apr 2020 14:03:31 -0400, wrote:

On Sun, 19 Apr 2020 13:38:44 -0400, John wrote:

On Sun, 19 Apr 2020 17:01:52 -0000 (UTC), Bill

wrote:



I looked on the IRS site wondering where my money was. We get our
refund
for years direct deposit, our social security checks for 15 years
have
been
direct deposit to the same account. The site said I was eligible,
but
needed banking info. Sad, they are this
incompetent. So you may want to
check your eligibility and see if they have the bank info.

Mine came through fine.

IRS says they sent mine but I should check with the bank to see if
they have it. I am just going to wait for my next bank statement. I am
not even sure the bank is open. I doubt I will see it just by looking
at my balance.

Us modernized folks can check our accounts online.
+

I guess if you believe, go for it.
I limit online exposure to my money.

Me too. It's between me and my bank.

You your bank and anyone else on the internet who can crack your
security or the bank's.

If I believe in what?

That you or they can't be hacked.

The convenience is well worth the odds.

What convenience? I have enough money in the bank that I don't need to
be looking at it every day.

I pay bills, get my checking, savings, and credit card statements all online
from the bank. Payments are made by transferring money online from one
account
to another or to the payee - water, electric, gas,
credit card, etc.

That's called convenience. Has nothing to do with how 'much' money you have.

I EFT things like bills and payments to me but that is not the same as
an open internet portal with my name on the transaction. If someone
hacks your phone and logs on as you, your chances of fighting it are
harder than if someone pretends to be the power company.
The only value I see to logging into my account is to transfer money
between accounts or check my balance. I don't care about either of
those enough to have one more password to protect. (or 5 if I had
access to all of my accounts)

Like I said, the convenience is well worth the odds.

I guess I just haven't missed it.
I don't really deal with my banks that much and I usually just go
there when I do. That ends up being a few times a year. If nothing
else, it is not worth having 4 or 5 more passwords to remember.

I do all that with one password.

Same password different banks? That is not a great idea.

Only one bank. No need for others.

I never thought only having one bank was a good idea. It makes it too
hard to fire them if they **** you off. With multiple banks you also
have a better chance of finding an ATM nearby that doesn't charge you
$4 to get a $20.

I've been with my current bank for 55 years. Never had a problem with them. I
think having one bank is a great idea.

It is fine until you are somewhere that doesn't have that bank around.
When you get out west in the boonies, bank options are more limited.

That's why God invented Visa.

It may be shocking to you but we have been in places that just wanted
cash and it always ****es me off paying foreign bank ATM fees.

I always carry cash, but invariably I return home with it still in my pocket. I
haven't found those out-of-the-way places you've found.
--

Freedom Isn't Free!


You do cruises. Not backroads.

I was going to say that but I let it go.


Hell, we go places without cell coverage.

On Thu, 23 Apr 2020 00:29:45 -0000 (UTC), Bill
wrote:

wrote:
On Wed, 22 Apr 2020 22:08:03 -0000 (UTC), Bill
wrote:

John wrote:
On Wed, 22 Apr 2020 14:42:23 -0400, wrote:

On Wed, 22 Apr 2020 06:54:18 -0400, John wrote:

On Tue, 21 Apr 2020 19:44:37 -0400, wrote:

On Tue, 21 Apr 2020 15:31:55 -0400, John wrote:

On Tue, 21 Apr 2020 13:39:14 -0400, wrote:

On Tue, 21 Apr 2020 07:28:38 -0400, John wrote:

On Mon, 20 Apr 2020 19:07:03 -0400, wrote:

On Mon, 20 Apr 2020 16:47:20 -0400, John wrote:

On Mon, 20 Apr 2020 16:33:36 -0400, wrote:

On Mon, 20 Apr 2020 14:49:42 -0400, John wrote:

On Mon, 20 Apr 2020 14:13:40 -0400, wrote:

On Mon, 20 Apr 2020 13:09:30 -0400, John wrote:

On Mon, 20 Apr 2020 12:57:25 -0400, wrote:

On Mon, 20 Apr 2020 06:58:56 -0400, John wrote:

On Sun, 19 Apr 2020 21:31:18 -0400, wrote:

On Sun, 19 Apr 2020 19:27:07 -0400, John wrote:

On Sun, 19 Apr 2020 19:09:55 -0400, wrote:

On Sun, 19 Apr 2020 14:34:44 -0400, John wrote:

On Sun, 19 Apr 2020 14:03:31 -0400, wrote:

On Sun, 19 Apr 2020 13:38:44 -0400, John wrote:

On Sun, 19 Apr 2020 17:01:52 -0000 (UTC), Bill

wrote:



I looked on the IRS site wondering where my money was. We get our
refund
for years direct deposit, our social security checks for 15 years
have
been
direct deposit to the same account. The site said I was eligible,
but
needed banking info. Sad, they are this
incompetent. So you may want to
check your eligibility and see if they have the bank info.

Mine came through fine.

IRS says they sent mine but I should check with the bank to see if
they have it. I am just going to wait for my next bank statement. I am
not even sure the bank is open. I doubt I will see it just by looking
at my balance.

Us modernized folks can check our accounts online.
+

I guess if you believe, go for it.
I limit online exposure to my money.

Me too. It's between me and my bank.

You your bank and anyone else on the internet who can crack your
security or the bank's.

If I believe in what?

That you or they can't be hacked.

The convenience is well worth the odds.

What convenience? I have enough money in the bank that I don't need to
be looking at it every day.

I pay bills, get my checking, savings, and credit card statements all online
from the bank. Payments are made by transferring money online from one
account
to another or to the payee - water, electric, gas,
credit card, etc.

That's called convenience. Has nothing to do with how 'much' money you have.

I EFT things like bills and payments to me but that is not the same as
an open internet portal with my name on the transaction. If someone
hacks your phone and logs on as you, your chances of fighting it are
harder than if someone pretends to be the power company.
The only value I see to logging into my account is to transfer money
between accounts or check my balance. I don't care about either of
those enough to have one more password to protect. (or 5 if I had
access to all of my accounts)

Like I said, the convenience is well worth the odds.

I guess I just haven't missed it.
I don't really deal with my banks that much and I usually just go
there when I do. That ends up being a few times a year. If nothing
else, it is not worth having 4 or 5 more passwords to remember.

I do all that with one password.

Same password different banks? That is not a great idea.

Only one bank. No need for others.

I never thought only having one bank was a good idea. It makes it too
hard to fire them if they **** you off. With multiple banks you also
have a better chance of finding an ATM nearby that doesn't charge you
$4 to get a $20.

I've been with my current bank for 55 years. Never had a problem with them. I
think having one bank is a great idea.

It is fine until you are somewhere that doesn't have that bank around.
When you get out west in the boonies, bank options are more limited.

That's why God invented Visa.

It may be shocking to you but we have been in places that just wanted
cash and it always ****es me off paying foreign bank ATM fees.

I always carry cash, but invariably I return home with it still in my pocket. I
haven't found those out-of-the-way places you've found.
--

Freedom Isn't Free!


You do cruises. Not backroads.

I was going to say that but I let it go.


Hell, we go places without cell coverage.

Yup lots of them here. That little jeep ride from Squaw Valley to
Donner Pass on the logging roads was one. A lot of our off roading
west of Spearfish SD into Wyoming was pretty dead too. So was the
cabin off of Wayah road in North Carolina east of Topton. We could
climb up to the top of the mountain and get 4g tho. No internet there
either. It was good I still had dial up. ;-)

On Wed, 22 Apr 2020 22:08:03 -0000 (UTC), Bill
wrote:

John wrote:
On Wed, 22 Apr 2020 14:42:23 -0400, wrote:

On Wed, 22 Apr 2020 06:54:18 -0400, John wrote:

On Tue, 21 Apr 2020 19:44:37 -0400, wrote:

On Tue, 21 Apr 2020 15:31:55 -0400, John wrote:

On Tue, 21 Apr 2020 13:39:14 -0400, wrote:

On Tue, 21 Apr 2020 07:28:38 -0400, John wrote:

On Mon, 20 Apr 2020 19:07:03 -0400, wrote:

On Mon, 20 Apr 2020 16:47:20 -0400, John wrote:

On Mon, 20 Apr 2020 16:33:36 -0400, wrote:

On Mon, 20 Apr 2020 14:49:42 -0400, John wrote:

On Mon, 20 Apr 2020 14:13:40 -0400, wrote:

On Mon, 20 Apr 2020 13:09:30 -0400, John wrote:

On Mon, 20 Apr 2020 12:57:25 -0400, wrote:

On Mon, 20 Apr 2020 06:58:56 -0400, John wrote:

On Sun, 19 Apr 2020 21:31:18 -0400, wrote:

On Sun, 19 Apr 2020 19:27:07 -0400, John wrote:

On Sun, 19 Apr 2020 19:09:55 -0400, wrote:

On Sun, 19 Apr 2020 14:34:44 -0400, John wrote:

On Sun, 19 Apr 2020 14:03:31 -0400, wrote:

On Sun, 19 Apr 2020 13:38:44 -0400, John wrote:

On Sun, 19 Apr 2020 17:01:52 -0000 (UTC), Bill

wrote:



I looked on the IRS site wondering where my money was. We get our
refund
for years direct deposit, our social security checks for 15 years have
been
direct deposit to the same account. The site said I was eligible,
but
needed banking info. Sad, they are this
incompetent. So you may want to
check your eligibility and see if they have the bank info.

Mine came through fine.

IRS says they sent mine but I should check with the bank to see if
they have it. I am just going to wait for my next bank statement. I am
not even sure the bank is open. I doubt I will see it just by looking
at my balance.

Us modernized folks can check our accounts online.
+

I guess if you believe, go for it.
I limit online exposure to my money.

Me too. It's between me and my bank.

You your bank and anyone else on the internet who can crack your
security or the bank's.

If I believe in what?

That you or they can't be hacked.

The convenience is well worth the odds.

What convenience? I have enough money in the bank that I don't need to
be looking at it every day.

I pay bills, get my checking, savings, and credit card statements all online
from the bank. Payments are made by transferring money online from one account
to another or to the payee - water, electric, gas, credit card, etc.

That's called convenience. Has nothing to do with how 'much' money you have.

I EFT things like bills and payments to me but that is not the same as
an open internet portal with my name on the transaction. If someone
hacks your phone and logs on as you, your chances of fighting it are
harder than if someone pretends to be the power company.
The only value I see to logging into my account is to transfer money
between accounts or check my balance. I don't care about either of
those enough to have one more password to protect. (or 5 if I had
access to all of my accounts)

Like I said, the convenience is well worth the odds.

I guess I just haven't missed it.
I don't really deal with my banks that much and I usually just go
there when I do. That ends up being a few times a year. If nothing
else, it is not worth having 4 or 5 more passwords to remember.

I do all that with one password.

Same password different banks? That is not a great idea.

Only one bank. No need for others.

I never thought only having one bank was a good idea. It makes it too
hard to fire them if they **** you off. With multiple banks you also
have a better chance of finding an ATM nearby that doesn't charge you
$4 to get a $20.

I've been with my current bank for 55 years. Never had a problem with them. I
think having one bank is a great idea.

It is fine until you are somewhere that doesn't have that bank around.
When you get out west in the boonies, bank options are more limited.

That's why God invented Visa.

It may be shocking to you but we have been in places that just wanted
cash and it always ****es me off paying foreign bank ATM fees.

I always carry cash, but invariably I return home with it still in my pocket. I
haven't found those out-of-the-way places you've found.
--

Freedom Isn't Free!


You do cruises. Not backroads.

Well, I do roads, but have yet to find myself in such boonies that a Visa
doesn't work! Hell, even the farmers' market people take Visa now. Where do you
go that you have to buy stuff at a place that doesn't take a card?
--

Freedom Isn't Free!

On Thu, 23 Apr 2020 00:29:45 -0000 (UTC), Bill
wrote:

wrote:
On Wed, 22 Apr 2020 22:08:03 -0000 (UTC), Bill
wrote:

John wrote:
On Wed, 22 Apr 2020 14:42:23 -0400, wrote:

On Wed, 22 Apr 2020 06:54:18 -0400, John wrote:

On Tue, 21 Apr 2020 19:44:37 -0400, wrote:

On Tue, 21 Apr 2020 15:31:55 -0400, John wrote:

On Tue, 21 Apr 2020 13:39:14 -0400, wrote:

On Tue, 21 Apr 2020 07:28:38 -0400, John wrote:

On Mon, 20 Apr 2020 19:07:03 -0400, wrote:

On Mon, 20 Apr 2020 16:47:20 -0400, John wrote:

On Mon, 20 Apr 2020 16:33:36 -0400, wrote:

On Mon, 20 Apr 2020 14:49:42 -0400, John wrote:

On Mon, 20 Apr 2020 14:13:40 -0400, wrote:

On Mon, 20 Apr 2020 13:09:30 -0400, John wrote:

On Mon, 20 Apr 2020 12:57:25 -0400, wrote:

On Mon, 20 Apr 2020 06:58:56 -0400, John wrote:

On Sun, 19 Apr 2020 21:31:18 -0400, wrote:

On Sun, 19 Apr 2020 19:27:07 -0400, John wrote:

On Sun, 19 Apr 2020 19:09:55 -0400, wrote:

On Sun, 19 Apr 2020 14:34:44 -0400, John wrote:

On Sun, 19 Apr 2020 14:03:31 -0400, wrote:

On Sun, 19 Apr 2020 13:38:44 -0400, John wrote:

On Sun, 19 Apr 2020 17:01:52 -0000 (UTC), Bill

wrote:



I looked on the IRS site wondering where my money was. We get our
refund
for years direct deposit, our social security checks for 15 years
have
been
direct deposit to the same account. The site said I was eligible,
but
needed banking info. Sad, they are this
incompetent. So you may want to
check your eligibility and see if they have the bank info.

Mine came through fine.

IRS says they sent mine but I should check with the bank to see if
they have it. I am just going to wait for my next bank statement. I am
not even sure the bank is open. I doubt I will see it just by looking
at my balance.

Us modernized folks can check our accounts online.
+

I guess if you believe, go for it.
I limit online exposure to my money.

Me too. It's between me and my bank.

You your bank and anyone else on the internet who can crack your
security or the bank's.

If I believe in what?

That you or they can't be hacked.

The convenience is well worth the odds.

What convenience? I have enough money in the bank that I don't need to
be looking at it every day.

I pay bills, get my checking, savings, and credit card statements all online
from the bank. Payments are made by transferring money online from one
account
to another or to the payee - water, electric, gas,
credit card, etc.

That's called convenience. Has nothing to do with how 'much' money you have.

I EFT things like bills and payments to me but that is not the same as
an open internet portal with my name on the transaction. If someone
hacks your phone and logs on as you, your chances of fighting it are
harder than if someone pretends to be the power company.
The only value I see to logging into my account is to transfer money
between accounts or check my balance. I don't care about either of
those enough to have one more password to protect. (or 5 if I had
access to all of my accounts)

Like I said, the convenience is well worth the odds.

I guess I just haven't missed it.
I don't really deal with my banks that much and I usually just go
there when I do. That ends up being a few times a year. If nothing
else, it is not worth having 4 or 5 more passwords to remember.

I do all that with one password.

Same password different banks? That is not a great idea.

Only one bank. No need for others.

I never thought only having one bank was a good idea. It makes it too
hard to fire them if they **** you off. With multiple banks you also
have a better chance of finding an ATM nearby that doesn't charge you
$4 to get a $20.

I've been with my current bank for 55 years. Never had a problem with them. I
think having one bank is a great idea.

It is fine until you are somewhere that doesn't have that bank around.
When you get out west in the boonies, bank options are more limited.

That's why God invented Visa.

It may be shocking to you but we have been in places that just wanted
cash and it always ****es me off paying foreign bank ATM fees.

I always carry cash, but invariably I return home with it still in my pocket. I
haven't found those out-of-the-way places you've found.
--

Freedom Isn't Free!


You do cruises. Not backroads.

I was going to say that but I let it go.


Hell, we go places without cell coverage.

Shenandoah River State Park doesn't have cell coverage, but they take Visa!
--

Freedom Isn't Free!