On 1/8/2016 9:41 PM, Sqwertz wrote:
> On Fri, 8 Jan 2016 20:57:34 -0500, Ed Pawlowski wrote:
>
>> There may be some cases where two incomes are needed, but if mom is
>> working so you can have a Volvo instead of a Chevy you are short
>> changing your kids.
>
> The median cost of current models of Volvos and Chevys are
> both at about $32K. You should have went with Mercedes which
> start at $34K :-)
>
> [Source: truecar.com]
>
> -sw
>

Point taken. Volvo used to be the choice of Yuppies, but has fallen out
of favor. A "real" Mercedes starts at $52,000

Ed Pawlowski wrote:
> On 1/8/2016 8:26 PM, cibola de oro wrote:
>> Ed Pawlowski wrote:
>>
>>> Nothing is infallible. If a human brain can encode something, another
>>> human can decode it.
>>
>> I wonder how der fatherland will decode the Muzzie rape squads in their
>> streets?
>
> AK-47?

That'd be a fair choice, but they ain't there yet...

On Fri, 8 Jan 2016 20:23:33 -0500, Ed Pawlowski > wrote:

> On 1/8/2016 12:55 AM, sf wrote:
> > On Thu, 7 Jan 2016 23:00:45 -0500, Ed Pawlowski > wrote:
> >
> >> On 1/7/2016 7:00 PM, sf wrote:
> >>
> >>> I'm not talking about the old cards, I'm talking about the new ones.
> >>> There's no failsafe, they're used just like the old ones are.
> >>>
> >>>
> >> Swipe cards are easily duplicated. Chip cards are not. They are not
> >> used like the old ones as you have to insert them to be read and no card
> >> information is left behind.
> >
> > If someone has *your* card in their hand, nothing is stopping them
> > from using it.
> >
>
> True, but that is a tiny part of the fraud that goes on. I think they
> will eventually go to a pin for additional protection with lost or
> stolen cards. Your swipe crd can be duplicated easily, chip cards not
> so much.
>
> Nothing is infallible. If a human brain can encode something, another
> human can decode it.

I'm wondering why they kept like a swipe & signature card. Do they
really think that people can't handle the amount of time necessary for
the machine to read the card + a PIN? I think it would have been
better because it would give us something to do instead of twiddle our
thumbs while the terminal decides what it wants to do.

--

sf

On Fri, 8 Jan 2016 18:26:25 -0700, cibola de oro > wrote:

> Ed Pawlowski wrote:
>
> > Nothing is infallible. If a human brain can encode something, another
> > human can decode it.
>
> I wonder how der fatherland will decode the Muzzie rape squads in their
> streets?

I'm tired of those Muslim Hate forwards on FB, sorry you bought into
it.

--

sf

On Sat, 9 Jan 2016 01:42:29 -0000, Janet > wrote:

> In article >,
> says...
> >
> > On Fri, 8 Jan 2016 23:50:32 -0000, Janet > wrote:
> >
> > > In article >,
> > > says...
> > > >
> > > > On Fri, 8 Jan 2016 16:33:31 -0000, Janet > wrote:
> > > >
> > > > > OK. So to summarise your posts above, you think that the DD card
> > > > > holder is paying the bank for every DD transaction directly out of their
> > > > > checking account.
> > > > >
> > > > > You're still wrong.
> > > >
> > > > Do you balance your checkbook daily?
> > >
> > > No, why would I?
> > >
> >
> > Okay, I see.
>
> No, you're still clueless.
>
> I only use half a dozen cheques per year.
>
> >You take your bank's word for your balance.
>
> The current ("checking") account receives various in-payment credits at
> different times during each month; and debits leave by different
> methods; various regular automated debit payments handled by the bank;
> use of DD card by me to withdraw cash or pay for goods and services; and
> rarely, a cheque. So, no amount of daily "balancing my chequebook" would
> take account of all the other in and out payments every month.
>
> The bank provides monthly statements detailing every penny in and out
> and where it went or came from. Of course I check bank statements;
> that's how I know the bank has never made an error on any of my
> accounts.
>
> Janet UK
>
Play gotcha much? The truth finally came out that you don't use yours
like Bruce and Ophelia use theirs and Bruce seems to use his for
anything that costs more than a cup of coffee.

--

sf

sf wrote:
> On Fri, 8 Jan 2016 18:26:25 -0700, cibola de oro > wrote:
>
>> Ed Pawlowski wrote:
>>
>>> Nothing is infallible. If a human brain can encode something, another
>>> human can decode it.
>>
>> I wonder how der fatherland will decode the Muzzie rape squads in their
>> streets?
>
> I'm tired of those Muslim Hate forwards on FB, sorry you bought into
> it.



Would a word from CNN catch your interest?



http://edition.cnn.com/2016/01/07/eu...eat/index.html

The perpetrators of mob sex attacks and muggings in the city of Cologne
on New Year's Eve could face deportation if they are migrants, Germany's
justice minister said Thursday.

Germany has been shocked by the apparently coordinated crime wave in the
center of the city in western Germany on New Year's Eve, in which scores
of women reported being sexually assaulted or robbed by gangs of men of
Arab or North African appearance.

//Happy New Year/Frohes Neues Jahr!//



You'd best get your head in the game sf, this is reality calling:



http://edition.cnn.com/2016/01/05/eu...lts/index.html

'We as women suffered'
One of the Cologne victims said she was too scared to go out alone
following the ordeal.

"The men surrounded us and started to grab our behinds and touch our
crotches," she said.

"They touched us everywhere. I wanted to take my friend and leave. I
turned around and in that moment someone grabbed my bag."

She said she feared she could be killed or raped by the attackers.

"Nobody noticed and nobody helped us. I just wanted to get out."

Another victim said she had unsuccessfully tried to fight off her assailant.

"But there were so many people around me that there was no control.
There was no way out. There was no way to protect yourself," she said.

"We ran to the police. But we saw the police were so understaffed. They
couldn't take care of us and we as women suffered the price."

On 8/1/2016 23:38 wrote:

> On Thu, 7 Jan 2016 23:38:25 -0500, Ed Pawlowski > wrote:
>
>>On 1/7/2016 2:49 PM, Bruce wrote:
>>
>>>> YOU were the one suggesting there was!!
>>>
>>> I was referring to the way Ed talked about his wife. As if she's not a
>>> 100% in the brain and can't be confused by complicated things such as
>>> money. I found that tone offensive, unless she's really
>>> mentally challenged of course. It's a repeat of that restaurant
>>> discussion, where you also followed the 50s patronising point of
>>> view that us men shouldn't complicate our poor little ladies' lives with
>>> ugly matters such as money. "I'll talk to the bank manager, you go make
>>> cupcakes."
>>>
>>
>>She prefers not to handle the money. At one time she did and is very
>>capable. It is her choice for reasons I'm not going into here. She
>>likes it that way.
>>
>>I could tell you about the time she took someone to court. The lawyers
>>were trying to negotiate a settlement when she had enough, spoke up and
>>laid out both lawyers. If was funny to watch as they both went to the
>>judge to say it was resolved exactly as she requested.
>>
>>I could tell you about the time she took on the Monsignor in charge of
>>the Philadelphia Catholic schools and got changes made.
>>
>>She is very happy the way things are in our life but she won't take crap
>>from anyone. She does not make cupcakes but makes a great pound cake.
>
> Pound cake is much nicer than those silly cupcakes.

If that is so, why do men call women cupcake and not pound cake?

--
Bruce

On 9/1/2016 12:57 Ed Pawlowski wrote:

> On 1/8/2016 12:09 AM, Bruce wrote:
>
>>
>> I wasn't criticising or putting down your wife. I was criticising
>> an old fashioned male attitude towards women.
>>
>
> Not sure where you get that from. Yes, I pamper my wife but I've done a
> lot for women to get ahead. I've hired women for jobs previously only
> held by men and paid them equally. I also encourage my daughter and
> granddaughters to take a stand where needed.
>
> We jointly feel that if you have children you should take full
> responsibility to raise them. That means one spouse stays home. yes,
> that may be very 1950s but it was our choice to put family ahead of
> additional income. IMO, old fashioned is still good.
>
> There may be some cases where two incomes are needed, but if mom is
> working so you can have a Volvo instead of a Chevy you are short
> changing your kids.

I was commenting on what you were saying here. It sounded
patronising and would sound patronising to most modern people. I'm not
saying you're doing anything wrong. I don't think you are at all. I
only reacted to how you sounded.

--
Bruce

On Friday, January 8, 2016 at 6:19:12 PM UTC-6, sf wrote:
> On Fri, 8 Jan 2016 23:50:32 -0000, Janet > wrote:
>
> > In article >,
> > says...
> > >
> > > On Fri, 8 Jan 2016 16:33:31 -0000, Janet > wrote:
> > >
> > > > OK. So to summarise your posts above, you think that the DD card
> > > > holder is paying the bank for every DD transaction directly out of their
> > > > checking account.
> > > >
> > > > You're still wrong.
> > >
> > > Do you balance your checkbook daily?
> >
> > No, why would I?
> >
>
> Okay, I see. You take your bank's word for your balance.
>
> --
>
> sf

I do! I tried balancing my own checkbook too many times and always fond the discrepency to be my fault. I said screw it! I just keep more in my checking account than I spend, and everything is hunky dory! :-)


John Kuthe...

"sf" > wrote in message
news
> The payment comes directly out of your checking account. I said I
> don't use one and nothing I've seen here has convinced me that I need
> to start now.
>
> --
>
> sf

Not so long ago, a month or so, Safeway was hit hard in the Bay Area with
ATM card info theft which gave the thieves access to bank accounts, that's a
good enough reason, and also...no rewards. I only use my ATM at the bank.

Cheri

"Ophelia" > wrote in message
...

> All our assets are joint too but we still have wills. I don't know what a
> 401k is.

Ours too. I know what a 401k is, but we don't have any.

Cheri

"Cheri" > wrote in message
...
>
> "sf" > wrote in message
> news >
>> The payment comes directly out of your checking account. I said I
>> don't use one and nothing I've seen here has convinced me that I need
>> to start now.
>>
>> --
>>
>> sf
>
> Not so long ago, a month or so, Safeway was hit hard in the Bay Area with
> ATM card info theft which gave the thieves access to bank accounts, that's
> a good enough reason, and also...no rewards. I only use my ATM at the
> bank.

Some thugs here didn't bother with info, they rammed the ATM machine and
took the whole machine ..

http://www.abc.net.au/news/2015-09-1...loader/6763812


--
http://www.helpforheroes.org.uk/shop/

On Fri, 8 Jan 2016 20:27:44 -0500, Ed Pawlowski > wrote:

>On 1/8/2016 12:54 PM, wrote:
>
>>
>> But you will pay $5 for the item, cash or debit.
>>
>And the bank gets a piece of it. How does that happen when no one pays
>for it?

My point is, if I pay cash I am paying for it, if I use my debit I am
paying for it, there is no winning so one might as well go for
convenience, less hassle.

sf is claiming debit transactions incur a fee, not so.

On balance, thinking back to the days when we would take turns at the
end of the month to be the one who gave up a lunch hour to stand in
line to deposit our cheques and withdraw enough cash for running the
household for the next week, I'd rather have todays system.

In article >,
says...
>
> On Sat, 9 Jan 2016 01:42:29 -0000, Janet > wrote:
>
> > In article >,
> > says...
> > >
> > > On Fri, 8 Jan 2016 23:50:32 -0000, Janet > wrote:
> > >
> > > > In article >,
> > > > says...
> > > > >
> > > > > On Fri, 8 Jan 2016 16:33:31 -0000, Janet > wrote:
> > > > >
> > > > > > OK. So to summarise your posts above, you think that the DD card
> > > > > > holder is paying the bank for every DD transaction directly out of their
> > > > > > checking account.
> > > > > >
> > > > > > You're still wrong.
> > > > >
> > > > > Do you balance your checkbook daily?
> > > >
> > > > No, why would I?
> > > >
> > >
> > > Okay, I see.
> >
> > No, you're still clueless.
> >
> > I only use half a dozen cheques per year.
> >
> > >You take your bank's word for your balance.
> >
> > The current ("checking") account receives various in-payment credits at
> > different times during each month; and debits leave by different
> > methods; various regular automated debit payments handled by the bank;
> > use of DD card by me to withdraw cash or pay for goods and services; and
> > rarely, a cheque. So, no amount of daily "balancing my chequebook" would
> > take account of all the other in and out payments every month.
> >
> > The bank provides monthly statements detailing every penny in and out
> > and where it went or came from. Of course I check bank statements;
> > that's how I know the bank has never made an error on any of my
> > accounts.
> >
> > Janet UK
> >
> Play gotcha much? The truth finally came out that you don't use yours
> like Bruce and Ophelia use theirs

So you couldn't understand what they posted, either.
You're really losing it.


Janet UK

On Friday, January 8, 2016 at 7:19:12 PM UTC-5, sf wrote:
> On Fri, 8 Jan 2016 23:50:32 -0000, Janet > wrote:
>
> > In article >,
> > says...
> > >
> > > On Fri, 8 Jan 2016 16:33:31 -0000, Janet > wrote:
> > >
> > > > OK. So to summarise your posts above, you think that the DD card
> > > > holder is paying the bank for every DD transaction directly out of their
> > > > checking account.
> > > >
> > > > You're still wrong.
> > >
> > > Do you balance your checkbook daily?
> >
> > No, why would I?
> >
>
> Okay, I see. You take your bank's word for your balance.

I don't balance my checkbook. Monthly I look online at
the statement, ensure that nothing mysterious was posted,
and assume that computers can do basic addition and subtraction.

I don't even keep a check register. I write perhaps three checks
a year and make weekly ATM withdrawals. Everything else is paid
electronically.

Cindy Hamilton

In article >,
says...
>
> On Friday, January 8, 2016 at 7:19:12 PM UTC-5, sf wrote:
> > On Fri, 8 Jan 2016 23:50:32 -0000, Janet > wrote:
> >
> > > In article >,
> > > says...
> > > >
> > > > On Fri, 8 Jan 2016 16:33:31 -0000, Janet > wrote:
> > > >
> > > > > OK. So to summarise your posts above, you think that the DD card
> > > > > holder is paying the bank for every DD transaction directly out of their
> > > > > checking account.
> > > > >
> > > > > You're still wrong.
> > > >
> > > > Do you balance your checkbook daily?
> > >
> > > No, why would I?
> > >
> >
> > Okay, I see. You take your bank's word for your balance.
>
> I don't balance my checkbook. Monthly I look online at
> the statement, ensure that nothing mysterious was posted,
> and assume that computers can do basic addition and subtraction.
>
> I don't even keep a check register. I write perhaps three checks
> a year and make weekly ATM withdrawals. Everything else is paid
> electronically.
>
> Cindy Hamilton

Sf don't need no steenking electronic payments, she's got a carrier
pigeon.


Janet UK

On Sat, 9 Jan 2016 12:45:34 -0000, Janet > wrote:

> In article >,
> says...
> >
> > On Friday, January 8, 2016 at 7:19:12 PM UTC-5, sf wrote:
> > > On Fri, 8 Jan 2016 23:50:32 -0000, Janet > wrote:
> > >
> > > > In article >,
> > > > says...
> > > > >
> > > > > On Fri, 8 Jan 2016 16:33:31 -0000, Janet > wrote:
> > > > >
> > > > > > OK. So to summarise your posts above, you think that the DD card
> > > > > > holder is paying the bank for every DD transaction directly out of their
> > > > > > checking account.
> > > > > >
> > > > > > You're still wrong.
> > > > >
> > > > > Do you balance your checkbook daily?
> > > >
> > > > No, why would I?
> > > >
> > >
> > > Okay, I see. You take your bank's word for your balance.
> >
> > I don't balance my checkbook. Monthly I look online at
> > the statement, ensure that nothing mysterious was posted,
> > and assume that computers can do basic addition and subtraction.
> >
> > I don't even keep a check register. I write perhaps three checks
> > a year and make weekly ATM withdrawals. Everything else is paid
> > electronically.
> >
> > Cindy Hamilton
>
> Sf don't need no steenking electronic payments, she's got a carrier
> pigeon.
>
>
> Janet UK

Says the woman who doesn't balance her checkbook.

--

sf

On 1/9/2016 7:04 AM, Cindy Hamilton wrote:

> I don't balance my checkbook. Monthly I look online at
> the statement, ensure that nothing mysterious was posted,
> and assume that computers can do basic addition and subtraction.

Exactly. I used to balance my checkbook to the penny, or die
trying, a result of having been a bank teller and also
living on the edge. That was to save me from bounced checks,
not to prove the computer made a calculation error.

> I don't even keep a check register. I write perhaps three checks
> a year and make weekly ATM withdrawals. Everything else is paid
> electronically.

I try to write down what checks are handwritten, but it's a bit
of a losing cause. I just keep a cushion in my checking account
to cover my day to day expenses and any other bills that come in.

nancy

John Kuthe wrote:
>
> I do! I tried balancing my own checkbook too many times and always fond the discrepency to be my fault. I said screw it! I just keep more in my checking account than I spend, and everything is hunky dory! :-)

Don't ever take the bank's word, John. They DO screw up occasionally.
I had one bank once. It was Bank of America or whatever it was called
back then before they merged.

In 2 years, they got my balance wrong. Twice they posted a check twice
against the account. And one time, they claimed I didn't pay the
annual fee for my safe deposit box. All 3 times I had to go to the
bank and show them cancelled checks to prove my point. This was back
when we still got cancelled checks along with the statement each
month.

Banks do mess up occasionally. You should Always keep track of what
you spend.

On Saturday, January 9, 2016 at 10:09:20 AM UTC-5, Nancy Young wrote:
> On 1/9/2016 7:04 AM, Cindy Hamilton wrote:
>
> > I don't balance my checkbook. Monthly I look online at
> > the statement, ensure that nothing mysterious was posted,
> > and assume that computers can do basic addition and subtraction.
>
> Exactly. I used to balance my checkbook to the penny, or die
> trying, a result of having been a bank teller and also
> living on the edge. That was to save me from bounced checks,
> not to prove the computer made a calculation error.
>
> > I don't even keep a check register. I write perhaps three checks
> > a year and make weekly ATM withdrawals. Everything else is paid
> > electronically.
>
> I try to write down what checks are handwritten, but it's a bit
> of a losing cause. I just keep a cushion in my checking account
> to cover my day to day expenses and any other bills that come in.

Either the checks I write are very small (magazine subscription)
and won't make a difference when they clear, or they've very large
(contractors, car purchases) and I'm not apt to forget to cover them.

Cindy Hamilton

"Ophelia" > wrote in message
...
>
>
> "Cheri" > wrote in message
> ...
>>
>> "sf" > wrote in message
>> news >>
>>> The payment comes directly out of your checking account. I said I
>>> don't use one and nothing I've seen here has convinced me that I need
>>> to start now.
>>>
>>> --
>>>
>>> sf
>>
>> Not so long ago, a month or so, Safeway was hit hard in the Bay Area with
>> ATM card info theft which gave the thieves access to bank accounts,
>> that's
>> a good enough reason, and also...no rewards. I only use my ATM at the
>> bank.
>
> Some thugs here didn't bother with info, they rammed the ATM machine and
> took the whole machine ..
>
> http://www.abc.net.au/news/2015-09-1...loader/6763812

Geez! Nothing is safe these days.

Cheri

"Nancy Young" > wrote in message
...
> On 1/9/2016 7:04 AM, Cindy Hamilton wrote:
>
>> I don't balance my checkbook. Monthly I look online at
>> the statement, ensure that nothing mysterious was posted,
>> and assume that computers can do basic addition and subtraction.
>
> Exactly. I used to balance my checkbook to the penny, or die
> trying, a result of having been a bank teller and also
> living on the edge. That was to save me from bounced checks,
> not to prove the computer made a calculation error.
>
>> I don't even keep a check register. I write perhaps three checks
>> a year and make weekly ATM withdrawals. Everything else is paid
>> electronically.
>
> I try to write down what checks are handwritten, but it's a bit
> of a losing cause. I just keep a cushion in my checking account
> to cover my day to day expenses and any other bills that come in.
>
> nancy

Me too, I haven't balanced since 1977 when I started rounding up to the next
highest amount, that has built a nice cushion as well, though I do keep a
check register and check the monthly statement closely for any strange
activity.

Cheri
>

On Saturday, January 9, 2016 at 10:46:47 AM UTC-6, Cheri wrote:
> "Ophelia" > wrote in message
> ...
> >
> >
> > "Cheri" > wrote in message
> > ...
> >>
> >> "sf" > wrote in message
> >> news > >>
> >>> The payment comes directly out of your checking account. I said I
> >>> don't use one and nothing I've seen here has convinced me that I need
> >>> to start now.
> >>>
> >>> --
> >>>
> >>> sf
> >>
> >> Not so long ago, a month or so, Safeway was hit hard in the Bay Area with
> >> ATM card info theft which gave the thieves access to bank accounts,
> >> that's
> >> a good enough reason, and also...no rewards. I only use my ATM at the
> >> bank.
> >
> > Some thugs here didn't bother with info, they rammed the ATM machine and
> > took the whole machine ..
> >
> > http://www.abc.net.au/news/2015-09-1...loader/6763812
>
> Geez! Nothing is safe these days.
>
> Cheri

Well, there's cash MONEY in them ATMs!

John Kuthe...

On 1/8/2016 7:41 PM, Sqwertz wrote:
> [Source: truecar.com]
>
> -sw
You criminally STALK and ABUSE women, you sick little dwarfy man!

Here's what you did when you went all over the Usenet impersonating the
well-liked regular named "sf" and posting all her personal data on the
net against her will, including her:

* home address
* age
* cell phone number
* husband's name

etc.

YOU did that, you evil *******!

And then you had the hubris to actually GLOAT about in public saying:

----------------------------------------------------------------------------------
ost
>
Wed, 25 Nov 2015 21:18:00 -0600
MicroPlanet-Gravity/3.0.4



She should call the cops. I've already publicly admitted it is me so
a conviction should be a piece of cake and then forging would stop.
So what's stopping her? I think she suffers from Bovism - she just
loves the attention and drama and screw the rest of the group.

-sw

-----------------------------------------------------------------------------------


And before that you literally stalked poor Omelet, a local Auustin
favorite, right off the Usenet!

In your worst moment ever you actually begged her to KILL you:

-----------------------------------------------------------------------------------
ost
>
3/18/2011 3:49 PM
Microsoft Internet News 4.70.1162
readnews.com - News for Geeks and ISPs
fa35d278.newsreader.readnews.com


Sorry I don't fit either of your Ideal Psycho Pal Profiles.

-sw
---------------------------------------------------------------------------------------

I'd prefer you use a sniper rifle on me from a few hundred yards away.
There you go - a reason for you to buy yet another gun and ammo.

----------------------------------------------------------------------------------------

Then after having your nose rubbed in your filthy criminal stalking you
came back with, not an apology, nor the slightest remorse, just this:


"The facebook group is much more pleasant."


But we all know that's only because you cower over there in mortal fear
of being booted by the FB admins.

You're _so done_ here virus, I mean really ****ing done.

I'm making you a project like no other, expect a lot more of your evil
abuse and hatred to be aired for all to see here.

And we both know there's a google archive full of your hatred of women
just waiting to be hung out on the virtual clothesline to dry.

Enjoy then, you rotten, worthless misogynistic *******!

On Sat, 9 Jan 2016 08:45:40 -0800, "Cheri" >
wrote:

>
>"Ophelia" > wrote in message
...
>>
>>
>> "Cheri" > wrote in message
>> ...
>>>
>>> "sf" > wrote in message
>>> news >>>
>>>> The payment comes directly out of your checking account. I said I
>>>> don't use one and nothing I've seen here has convinced me that I need
>>>> to start now.
>>>>
>>>> --
>>>>
>>>> sf
>>>
>>> Not so long ago, a month or so, Safeway was hit hard in the Bay Area with
>>> ATM card info theft which gave the thieves access to bank accounts,
>>> that's
>>> a good enough reason, and also...no rewards. I only use my ATM at the
>>> bank.
>>
>> Some thugs here didn't bother with info, they rammed the ATM machine and
>> took the whole machine ..
>>
>> http://www.abc.net.au/news/2015-09-1...loader/6763812
>
>Geez! Nothing is safe these days.
>
>Cheri

There was this guy too

http://www.theguardian.com/world/201...MCNEWEML6619I2


http://tinyurl.com/zblhr7w

On 2016-01-08 9:56 PM, Ed Pawlowski wrote:

> Point taken. Volvo used to be the choice of Yuppies, but has fallen out
> of favor. A "real" Mercedes starts at $52,000


My brother and his wife bought a Volvo a few years ago. He didn't want
to get one but his wife insisted on Volvo because their son had got one
and liked it and anything that son likes has to be the best. He was so
happy about the oil change interval... until he had to drive almost 45
miles to the Volvo dealer for his first servicing..... almost $500.

On 1/9/2016 10:04 AM, Nancy Young wrote:

>> I don't even keep a check register. I write perhaps three checks
>> a year and make weekly ATM withdrawals. Everything else is paid
>> electronically.
>
> I try to write down what checks are handwritten, but it's a bit
> of a losing cause. I just keep a cushion in my checking account
> to cover my day to day expenses and any other bills that come in.
>
> nancy
>

I use Quicken. Easy, accurate, always know what is available. Buy it
once for the cost of a bounced check.

On 1/9/2016 12:45 PM, Ed Pawlowski wrote:
> On 1/9/2016 10:04 AM, Nancy Young wrote:
>
>>> I don't even keep a check register. I write perhaps three checks
>>> a year and make weekly ATM withdrawals. Everything else is paid
>>> electronically.
>>
>> I try to write down what checks are handwritten, but it's a bit
>> of a losing cause. I just keep a cushion in my checking account
>> to cover my day to day expenses and any other bills that come in.

> I use Quicken. Easy, accurate, always know what is available. Buy it
> once for the cost of a bounced check.

That's a good tool. I don't see them any more, but there used to
be a number of shows where they'd try to fix people's finances.
It's stunning to me how much people pay every month in bounced
check fees and they don't seem to think it's a problem. The
statistics bear it out, those fees make banks a ton of money.

nancy

"Cheri" > wrote in message
...
>
> "Ophelia" > wrote in message
> ...
>>
>>
>> "Cheri" > wrote in message
>> ...
>>>
>>> "sf" > wrote in message
>>> news >>>
>>>> The payment comes directly out of your checking account. I said I
>>>> don't use one and nothing I've seen here has convinced me that I need
>>>> to start now.
>>>>
>>>> --
>>>>
>>>> sf
>>>
>>> Not so long ago, a month or so, Safeway was hit hard in the Bay Area
>>> with
>>> ATM card info theft which gave the thieves access to bank accounts,
>>> that's
>>> a good enough reason, and also...no rewards. I only use my ATM at the
>>> bank.
>>
>> Some thugs here didn't bother with info, they rammed the ATM machine and
>> took the whole machine ..
>>
>> http://www.abc.net.au/news/2015-09-1...loader/6763812
>
> Geez! Nothing is safe these days.

The worst has been where thieves have been installing tiny cameras in ATMs
to record your PIN.

The screen in the ATM gives a warning to shield your hand when you enter it.

If you haven't had that yet, keep it in mind. I shield my hand whenever I
enter my PIN, even in the shops.


--
http://www.helpforheroes.org.uk/shop/

"Ophelia" > wrote in message
...
>
>
> "Cheri" > wrote in message
> ...
>>
>> "Ophelia" > wrote in message
>> ...
>>>
>>>
>>> "Cheri" > wrote in message
>>> ...
>>>>
>>>> "sf" > wrote in message
>>>> news >>>>
>>>>> The payment comes directly out of your checking account. I said I
>>>>> don't use one and nothing I've seen here has convinced me that I need
>>>>> to start now.
>>>>>
>>>>> --
>>>>>
>>>>> sf
>>>>
>>>> Not so long ago, a month or so, Safeway was hit hard in the Bay Area
>>>> with
>>>> ATM card info theft which gave the thieves access to bank accounts,
>>>> that's
>>>> a good enough reason, and also...no rewards. I only use my ATM at the
>>>> bank.
>>>
>>> Some thugs here didn't bother with info, they rammed the ATM machine and
>>> took the whole machine ..
>>>
>>> http://www.abc.net.au/news/2015-09-1...loader/6763812
>>
>> Geez! Nothing is safe these days.
>
> The worst has been where thieves have been installing tiny cameras in ATMs
> to record your PIN.
>
> The screen in the ATM gives a warning to shield your hand when you enter
> it.
>
> If you haven't had that yet, keep it in mind. I shield my hand whenever I
> enter my PIN, even in the shops.

Yes, that's what happened with some of the Safeway stores in the Bay Area,
some device that captured ATM info.

Cheri

On 1/9/2016 1:16 PM, Nancy Young wrote:

>
>> I use Quicken. Easy, accurate, always know what is available. Buy it
>> once for the cost of a bounced check.
>
> That's a good tool. I don't see them any more, but there used to
> be a number of shows where they'd try to fix people's finances.
> It's stunning to me how much people pay every month in bounced
> check fees and they don't seem to think it's a problem. The
> statistics bear it out, those fees make banks a ton of money.
>
> nancy
>

Yes, it is amazing. In 50+ years on my own I may have bounced 2 checks
from a math error or was late with a bill payment. Math error or
whatever can happen, but for some, it is every month.

I've also heard comments like "I don't know why they keep calling, they
always get paid eventually" That person's credit score was also in the
low 400's and she paid dearly for financing of a used car.

On Sat, 9 Jan 2016 12:45:55 -0500, Ed Pawlowski > wrote:

>On 1/9/2016 10:04 AM, Nancy Young wrote:
>
>>> I don't even keep a check register. I write perhaps three checks
>>> a year and make weekly ATM withdrawals. Everything else is paid
>>> electronically.
>>
>> I try to write down what checks are handwritten, but it's a bit
>> of a losing cause. I just keep a cushion in my checking account
>> to cover my day to day expenses and any other bills that come in.
>>
>> nancy
>>
>
>I use Quicken. Easy, accurate, always know what is available. Buy it
>once for the cost of a bounced check.

Me too. I get my statements from the bank via Internet. So easy to
balance checkbook.
Janet US

On Sat, 9 Jan 2016 10:44:46 -0800, "Cheri" >
wrote:

>
>"Ophelia" > wrote in message
...
>>
>>
>> "Cheri" > wrote in message
>> ...
>>>
>>> "Ophelia" > wrote in message
>>> ...
>>>>
>>>>
>>>> "Cheri" > wrote in message
>>>> ...
>>>>>
>>>>> "sf" > wrote in message
>>>>> news >>>>>
>>>>>> The payment comes directly out of your checking account. I said I
>>>>>> don't use one and nothing I've seen here has convinced me that I need
>>>>>> to start now.
>>>>>>
>>>>>> --
>>>>>>
>>>>>> sf
>>>>>
>>>>> Not so long ago, a month or so, Safeway was hit hard in the Bay Area
>>>>> with
>>>>> ATM card info theft which gave the thieves access to bank accounts,
>>>>> that's
>>>>> a good enough reason, and also...no rewards. I only use my ATM at the
>>>>> bank.
>>>>
>>>> Some thugs here didn't bother with info, they rammed the ATM machine and
>>>> took the whole machine ..
>>>>
>>>> http://www.abc.net.au/news/2015-09-1...loader/6763812
>>>
>>> Geez! Nothing is safe these days.
>>
>> The worst has been where thieves have been installing tiny cameras in ATMs
>> to record your PIN.
>>
>> The screen in the ATM gives a warning to shield your hand when you enter
>> it.
>>
>> If you haven't had that yet, keep it in mind. I shield my hand whenever I
>> enter my PIN, even in the shops.
>
>Yes, that's what happened with some of the Safeway stores in the Bay Area,
>some device that captured ATM info.
>
>Cheri

some of the devices here have a shaped hood so your data and hand is
hidden.
Janet US

On Friday, January 8, 2016 at 10:34:46 PM UTC-7, Bruce wrote:
> On 9/1/2016 12:57 Ed Pawlowski wrote:
>
> > On 1/8/2016 12:09 AM, Bruce wrote:
> >
> >>
> >> I wasn't criticising or putting down your wife. I was criticising
> >> an old fashioned male attitude towards women.
> >>
> >
> > Not sure where you get that from. Yes, I pamper my wife but I've done a
> > lot for women to get ahead. I've hired women for jobs previously only
> > held by men and paid them equally. I also encourage my daughter and
> > granddaughters to take a stand where needed.
> >
> > We jointly feel that if you have children you should take full
> > responsibility to raise them. That means one spouse stays home. yes,
> > that may be very 1950s but it was our choice to put family ahead of
> > additional income. IMO, old fashioned is still good.
> >
> > There may be some cases where two incomes are needed, but if mom is
> > working so you can have a Volvo instead of a Chevy you are short
> > changing your kids.
>
> I was commenting on what you were saying here. It sounded
> patronising and would sound patronising to most modern people. I'm not
> saying you're doing anything wrong. I don't think you are at all. I
> only reacted to how you sounded.
>
> --
> Bruce

Hey TROLL, must you go on and on and on and on and on regarding the same topic ad nausea? Give it a rest, PLEASE.
======

On 09/01/2016 12:16 PM, Janet B wrote:
> On Sat, 9 Jan 2016 12:45:55 -0500, Ed Pawlowski > wrote:
>
>> On 1/9/2016 10:04 AM, Nancy Young wrote:
>>
>>>> I don't even keep a check register. I write perhaps three checks
>>>> a year and make weekly ATM withdrawals. Everything else is paid
>>>> electronically.
>>>
>>> I try to write down what checks are handwritten, but it's a bit
>>> of a losing cause. I just keep a cushion in my checking account
>>> to cover my day to day expenses and any other bills that come in.
>>>
>>> nancy
>>>
>>
>> I use Quicken. Easy, accurate, always know what is available. Buy it
>> once for the cost of a bounced check.
>
> Me too. I get my statements from the bank via Internet. So easy to
> balance checkbook.
> Janet US
>
I do all my accounting for my consultancy by hand in a 36 column book.
That way I can see where everything goes and mistakes are easy to find
and correct.
Graham

On 10/1/2016 06:20 Roy wrote:

> On Friday, January 8, 2016 at 10:34:46 PM UTC-7, Bruce wrote:
>> On 9/1/2016 12:57 Ed Pawlowski wrote:
>>
>> > On 1/8/2016 12:09 AM, Bruce wrote:
>> >
>> >>
>> >> I wasn't criticising or putting down your wife. I was criticising
>> >> an old fashioned male attitude towards women.
>> >>
>> >
>> > Not sure where you get that from. Yes, I pamper my wife but I've done a
>> > lot for women to get ahead. I've hired women for jobs previously only
>> > held by men and paid them equally. I also encourage my daughter and
>> > granddaughters to take a stand where needed.
>> >
>> > We jointly feel that if you have children you should take full
>> > responsibility to raise them. That means one spouse stays home. yes,
>> > that may be very 1950s but it was our choice to put family ahead of
>> > additional income. IMO, old fashioned is still good.
>> >
>> > There may be some cases where two incomes are needed, but if mom is
>> > working so you can have a Volvo instead of a Chevy you are short
>> > changing your kids.
>>
>> I was commenting on what you were saying here. It sounded
>> patronising and would sound patronising to most modern people. I'm not
>> saying you're doing anything wrong. I don't think you are at all. I
>> only reacted to how you sounded.
>>
>> --
>> Bruce
>
> Hey TROLL, must you go on and on and on and on and on regarding the same topic ad nausea? Give it a rest, PLEASE.
> ======

I keep explaining the same thing, that's true. I didn't know you had a
problem with trolls, by the way.

--
Bruce

On Sat, 9 Jan 2016 12:52:02 -0700, graham > wrote:

>On 09/01/2016 12:16 PM, Janet B wrote:
>> On Sat, 9 Jan 2016 12:45:55 -0500, Ed Pawlowski > wrote:
>>
>>> On 1/9/2016 10:04 AM, Nancy Young wrote:
>>>
>>>>> I don't even keep a check register. I write perhaps three checks
>>>>> a year and make weekly ATM withdrawals. Everything else is paid
>>>>> electronically.
>>>>
>>>> I try to write down what checks are handwritten, but it's a bit
>>>> of a losing cause. I just keep a cushion in my checking account
>>>> to cover my day to day expenses and any other bills that come in.
>>>>
>>>> nancy
>>>>
>>>
>>> I use Quicken. Easy, accurate, always know what is available. Buy it
>>> once for the cost of a bounced check.
>>
>> Me too. I get my statements from the bank via Internet. So easy to
>> balance checkbook.
>> Janet US
>>
>I do all my accounting for my consultancy by hand in a 36 column book.
>That way I can see where everything goes and mistakes are easy to find
>and correct.
>Graham

Oh, Man! My first husband had me doing that for my $15/week household
allowance -- to the penny!!!
Later I found that I actually like those green columnar pads.
Then I discovered how to make charts on my computer
Now at the end of the year I simply total up Quickbooks and Quicken,
total my charts and fill in the blanks on Turbo Tax. No more yards
and yards of adding machine tape scrolling off the table. I no longer
have a drinking problem around tax time
Janet US

On 1/9/2016 2:13 PM, Ed Pawlowski wrote:
> On 1/9/2016 1:16 PM, Nancy Young wrote:

>> That's a good tool. I don't see them any more, but there used to
>> be a number of shows where they'd try to fix people's finances.
>> It's stunning to me how much people pay every month in bounced
>> check fees and they don't seem to think it's a problem. The
>> statistics bear it out, those fees make banks a ton of money.

> Yes, it is amazing. In 50+ years on my own I may have bounced 2 checks
> from a math error or was late with a bill payment. Math error or
> whatever can happen, but for some, it is every month.

It's happened to me. When you have two people using the checkbook
and they both have ATM cards and can forget to write things down,
it's bound to occur. I'm sure not perfect.

But the fee was so painful, it hardly ever happened. People who
bounce checks are mostly people who really cannot afford those fees.

> I've also heard comments like "I don't know why they keep calling, they
> always get paid eventually" That person's credit score was also in the
> low 400's and she paid dearly for financing of a used car.

I've heard people say they only have $30,000 in credit card debt.
Ack. I haven't led the perfect financial life and have made many
mistakes, but I knew when to stop digging that hole.

They need to teach personal finance in the schools.

nancy

On 09/01/2016 1:53 PM, Ed Pawlowski wrote:
> On 1/9/2016 2:52 PM, graham wrote:
>
>>>> I use Quicken. Easy, accurate, always know what is available. Buy it
>>>> once for the cost of a bounced check.
>>>
>>> Me too. I get my statements from the bank via Internet. So easy to
>>> balance checkbook.
>>> Janet US
>>>
>> I do all my accounting for my consultancy by hand in a 36 column book.
>> That way I can see where everything goes and mistakes are easy to find
>> and correct.
>> Graham
>
> I don't knock what works for you. Owner of my company does it similar
> and he knows where every penny is.
>
> With Quicken each of those columns would be a category. You can bring
> up simple reports for any period and combination at any time too.

I tried accounting software some years ago (I can't remember the brand)
and I couldn't see where things were being posted. Also, it was heavily
biased towards a retail operation. It doesn't take me long to do my
quarterly sales-tax returns and my accountant can see all my workings at
year end.
I *would* prefer to use accounting software but am more comfortable
doing it the old fashioned way and soon, it won't matter as I think I
might finally have to retire. With the downturn in the oil industry, my
projections for work this year barely cover my fixed overheads.
Graham

On Sat, 9 Jan 2016 15:33:45 -0700, graham > wrote:

>On 09/01/2016 1:53 PM, Ed Pawlowski wrote:
>> On 1/9/2016 2:52 PM, graham wrote:
>>
>>>>> I use Quicken. Easy, accurate, always know what is available. Buy it
>>>>> once for the cost of a bounced check.
>>>>
>>>> Me too. I get my statements from the bank via Internet. So easy to
>>>> balance checkbook.
>>>> Janet US
>>>>
>>> I do all my accounting for my consultancy by hand in a 36 column book.
>>> That way I can see where everything goes and mistakes are easy to find
>>> and correct.
>>> Graham
>>
>> I don't knock what works for you. Owner of my company does it similar
>> and he knows where every penny is.
>>
>> With Quicken each of those columns would be a category. You can bring
>> up simple reports for any period and combination at any time too.
>
>I tried accounting software some years ago (I can't remember the brand)
>and I couldn't see where things were being posted. Also, it was heavily
>biased towards a retail operation. It doesn't take me long to do my
>quarterly sales-tax returns and my accountant can see all my workings at
>year end.
>I *would* prefer to use accounting software but am more comfortable
>doing it the old fashioned way and soon, it won't matter as I think I
>might finally have to retire. With the downturn in the oil industry, my
>projections for work this year barely cover my fixed overheads.
>Graham

Sorry to hear that, so far, both my grandsons in Grande Prairie are
still gainfully employed.