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FIB - Scams 101 - Ye Olde Archives
Posted By: Carla Ball In Response To: Special Bank Account... just a thought... (MaaMaw)
Saturday, 22 April 2006, at 10:48 a.m.
> I try to always put internet purchases on a regular credit card (as
> opposed to my Visa check card or ATM), but I can't always do it.
Have you thought about on line bank accounts. At least with that you can go on line anytime you want to see what happened that day.Then you would be able to handle it more quickly, instead of waiting for your statement. You are a admitted procrastinator :), how many trips to the bank would your way cause you, your gas and your time should be worth more to you than a "slight" risk of someone stealing your money. I understand how you feel, most of my bills are automatic each month. I have a direct depoist on the 2nd Wed of each month. Most of my bills are due on the first. This month because I spent more than usual because of the remodel I came within 32.00 of bouncing checks because Yahoo decided to charge me for something I didn't get. Do you think Yahoo would have paid my returned check charge. I should have transfered the money from the other account I have been using for the house, but I was like, I know I had enough to cover the automatic deductions, so I didn't do it. My check was deposited 2 days after Yahoo got me.
I don't have online now, but I am going to, just haven't got around to it. But a freind does and she loves it. I'm sure you could manage to transfer funds from one account to the other without leaving home. If you already have online banking and I missed something, then your idea is feasiable. Carla
If it's a company I know to be reliable and I need it now (i.e., a school
> book from Amazon), I will occasionally use my ATM card... plus the fact
> that I have set up "direct deposit" with several big
> affiliate-management companies like CommissionJunction... and, of course,
> PayPal puts money in and takes money out whenever I ask them to.
> And then there are the offlline automatic deductions, like health
> insurance.
> My point being, at various times for various reasons, there are lots of
> hands in my bank account.
> Secure or not, I have become *very* uncomfortable with this, both online
> and off. Usually it's down to pennies, but there are times I have quite a
> bundle in there when I'm waiting for the mortgage and half a dozen other
> big checks to clear -- and if I *lost* that bundle, I would be in
> *extremely* serious trouble.
> It doesn't matter whether it eventually all came back; my mortgage company
> won't wait for "eventually."
> I'm going to open a new checking account and use it as my primary account.
> Then *nobody* will have access to it except me, certain family members,
> and the bank.
> Then I'm going to take all but $3 out of the old account -- the one whose
> number is "out there."
> As soon as my direct deposits go in, I'm going to transfer the money out.
> As soon as my PayPal deposits go in, I'm going to transfer the money out.
> When I buy something from that account, I'm going to put in just enough
> money to cover it.
> When I have an automatic deduction coming out, I'm going to wait til two
> days before and put in just enough money to cover it.
> Then, if any of these places get hacked or employ a crook, I should have
> only about $3 at risk.
> I realize this is very simple stuff and you more sophisticated types are
> probably just cracking up, but it's something that has eluded me for
> years.
> It hit home the first time when I kept making payments on a hospital
> account AFTER it was paid in full. How could I not know? There were four
> separate bills congealed into one, and interest was being added. Ali
> called me every month and I gave him a payment over the phone. One day I
> got a letter thanking me for paying my account in full (nice of them,
> considering it took years) -- and I had made two, possibly three payments
> after the date they showed it was paid in full!! Of course Ali had a nice
> song-and-dance when I asked him about it and I pursued it with the
> hospital, etc., but that is neither here nor there...
> It hit home the second time just last month, when I called my daughter's
> insurance company and paid her premium with my Visa check card; they asked
> which card (I had a regular MC on file too), I verified the number, AND
> gave them the security code on the back -- and they charged it to the
> wrong card! It didn't matter -- it didn't put me over the limit (about $15
> to spare) or I would have had a nasty fee and my interest rate would
> probably have shot up -- but it could have. And the fact that it could
> have gone in reverse -- dipping into my BANK ACCOUNT when I intended to
> have it on my credit card -- really rattled me.
> I've decided I can't have ANYBODY in the account I live out of -- and if
> my husband ever works for a company that direct-deposits his paycheck,
> that goes for them too.
> Just something to consider.
> Luv,
> MaaMaw
Carla's Stained Glass Creations
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