On Thu, 7 Jan 2016 07:24:30 -0000 (UTC), Bruce >
wrote:

> On 7/1/2016 17:21 sf wrote:
>
> > On Thu, 7 Jan 2016 00:05:28 -0000 (UTC), Bruce >
> > wrote:
> >
> >> On 7/1/2016 10:50 sf wrote:
> >>
> >> > On Wed, 6 Jan 2016 23:34:04 -0000 (UTC), Bruce >
> >> > wrote:
> >> >
> >> >> On 7/1/2016 10:06 sf wrote:
> >> >>
> >> >> > On Wed, 6 Jan 2016 17:04:36 -0500, Dave Smith
> >> >> > > wrote:
> >> >> >
> >> >> >> If the cost of using the debit card service is 20 cents
> >> >> >
> >> >> > I NEVER use a debit card.
> >> >>
> >> >> I NEVER use a credit card.
> >> >
> >> > You're all cash? That's crazy. Use the bank's money for 30 days and
> >> > pay it off.
> >>
> >> All debit card. I also pay invoices the day I receive them, rather than
> >> wait until the due date.
> >
> > Debit card? <shudder>
>
> What's wrong with that? I like to pay on the spot.

You enjoy paying the bank for every transaction? Pay with cash if
you're all about paying on the spot.

--

sf

"Brooklyn1" > wrote in message
...

> You sure make it sound like Himself's only value is to be your sugar
> daddy... I think that's sad. So what you're saying is you're a user
> and Himself is a total loser... now nice. Please attempt to redeem
> yourself. And yoose don't even have any children together, other than
> a marga dog. You must have the finast pussy on this planet (which I
> don't believe) or Himself is an ignorant brain damaged Schmuck (which
> I do believe).

I copy this especially for you, and I expect an apology!

We are retired now and enjoy each others' company. In the past his work
> often took him away from home and eventually I retired a bit early to
> travel with him. Now we are both retired we appreciate the time we
> have together and we make the most of it Oh and just so you know, our
> money (pensions, savings et al) we have combined. We have no 'his and
> hers' money! We have 'our' money!!!


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

> wrote in message
...
> On Wed, 6 Jan 2016 20:32:11 -0000, "Ophelia" >
> wrote:
>
>>
>>
> wrote in message
. ..
>>> On Wed, 6 Jan 2016 19:04:03 -0000, "Ophelia" >
>>> wrote:
>>>
>>>>
>>>>
> wrote in message
>>>>news >>>>> On Wed, 6 Jan 2016 11:22:31 -0500, jmcquown >
>>>>> wrote:
>>>>>
>>>>>>On 1/6/2016 8:34 AM, Janet wrote:
>>>>>>>> All my money is happy money! I can't remember the last time I went
>>>>>>>> out
>>>>>>>> >without Himself and he carries money.
>>>>>>>
>>>>>>> OMG
>>>>>>>
>>>>>>> Janet UK
>>>>>>
>>>>>>I sure hope "Himself" doesn't die before she does. Whatever would she
>>>>>>do?!
>>>>>>
>>>>>>Jill
>>>>>
>>>>> Huh? I don't get what you mean, what difference would it make,
>>>>> imagine they have a joint account as did we.
>>>>
>>>>??? Everything we have is joint! All our pensions, savings et al!
>>>>
>>>>I wonder if she has a joint account with her 'SO' ... and what
>>>>difference
>>>>it
>>>>would make if 'SO' dies before she does.
>>>>
>>>>If not, whatever would she do?!
>>>>
>>>>And No, I don't care!
>>>
>>> Well if she had, she wouldn't have wondered how you would manage. When
>>> David died nothing changed for me other than that I no longer had him
>>> No worries as to money etc. Three little words 'All to wife' -
>>
>>Of course! Or partner and children?
>
> I suppose partner would open the will to contest by blood relatives
> and while child might work, children might produce difficulties.
>
> According to lawyers, all to wife is the strongest will that can be
> made and really cannot be fought unless you want to pay lawyers and
> lose

Of course!


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

"Bruce" > wrote in message
...
> On 7/1/2016 11:01 wrote:
>
>> On Wed, 6 Jan 2016 23:32:56 -0000 (UTC), Bruce >
>> wrote:
>>
>>>On 7/1/2016 09:20 Ed Pawlowski wrote:
>>>
>>>> On 1/6/2016 9:38 AM, Ophelia wrote:
>>>>>
>>>>
>>>>>
>>>>> We are retired now and enjoy each others' company. In the past his
>>>>> work
>>>>> often took him away from home and eventually I retired a bit early to
>>>>> travel with him. Now we are both retired we appreciate the time we
>>>>> have together and we make the most of it Oh and just so you know,
>>>>> our
>>>>> money (pensions, savings et al) we have combined. We have no 'his
>>>>> and
>>>>> hers' money! We have 'our' money!!!
>>>>
>>>> Good for you. My wife has not worked for years, but it has always been
>>>> "our" money. She now has Social Security income but does not bother
>>>> with it as she prefers not to have to worry about it. She has a little
>>>> cash and her own credit card. When we go out, she pays for nothing.
>>>> She
>>>> is happy and wants for nothing.
>>>
>>>The perfect pet.
>>
>> Not at all, I see it as two couples who are happily living together
>> the way in which they want. Whats the matter, not working for you?
>
> With all your women's lib, you still have one foot firmly planted in
> the 50s.

If you are talking about me again, I will copy again what I copied to
Sheldon after his nasty assumptions:

> We are retired now and enjoy each others' company. In the past his work
> often took him away from home and eventually I retired a bit early to
> travel with him. Now we are both retired we appreciate the time we
> have together and we make the most of it Oh and just so you know, our
> money (pensions, savings et al) we have combined. We have no 'his and
> hers' money! We have 'our' money!!!


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

"Bruce" > wrote in message
...
> On 7/1/2016 10:50 sf wrote:
>
>> On Wed, 6 Jan 2016 23:34:04 -0000 (UTC), Bruce >
>> wrote:
>>
>>> On 7/1/2016 10:06 sf wrote:
>>>
>>> > On Wed, 6 Jan 2016 17:04:36 -0500, Dave Smith
>>> > > wrote:
>>> >
>>> >> If the cost of using the debit card service is 20 cents
>>> >
>>> > I NEVER use a debit card.
>>>
>>> I NEVER use a credit card.
>>
>> You're all cash? That's crazy. Use the bank's money for 30 days and
>> pay it off.
>
> All debit card. I also pay invoices the day I receive them, rather than
> wait until the due date.

We always use our debit cards. The money comes straight out of the bank.


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

On 7/1/2016 20:10 sf wrote:

> On Thu, 7 Jan 2016 07:24:30 -0000 (UTC), Bruce >
> wrote:
>
>> On 7/1/2016 17:21 sf wrote:
>>
>> > On Thu, 7 Jan 2016 00:05:28 -0000 (UTC), Bruce >
>> > wrote:
>> >
>> >> On 7/1/2016 10:50 sf wrote:
>> >>
>> >> > On Wed, 6 Jan 2016 23:34:04 -0000 (UTC), Bruce >
>> >> > wrote:
>> >> >
>> >> >> On 7/1/2016 10:06 sf wrote:
>> >> >>
>> >> >> > On Wed, 6 Jan 2016 17:04:36 -0500, Dave Smith
>> >> >> > > wrote:
>> >> >> >
>> >> >> >> If the cost of using the debit card service is 20 cents
>> >> >> >
>> >> >> > I NEVER use a debit card.
>> >> >>
>> >> >> I NEVER use a credit card.
>> >> >
>> >> > You're all cash? That's crazy. Use the bank's money for 30 days and
>> >> > pay it off.
>> >>
>> >> All debit card. I also pay invoices the day I receive them, rather than
>> >> wait until the due date.
>> >
>> > Debit card? <shudder>
>>
>> What's wrong with that? I like to pay on the spot.
>
> You enjoy paying the bank for every transaction? Pay with cash if
> you're all about paying on the spot.

But I pay the same amount, whether I pay cash or by debit card.

--
Bruce

On 7/1/2016 20:21 Ophelia wrote:

>
>
> "Bruce" > wrote in message
> ...
>> On 7/1/2016 11:01 wrote:
>>
>>> On Wed, 6 Jan 2016 23:32:56 -0000 (UTC), Bruce >
>>> wrote:
>>>
>>>>On 7/1/2016 09:20 Ed Pawlowski wrote:
>>>>
>>>>> On 1/6/2016 9:38 AM, Ophelia wrote:
>>>>>>
>>>>>
>>>>>>
>>>>>> We are retired now and enjoy each others' company. In the past his
>>>>>> work
>>>>>> often took him away from home and eventually I retired a bit early to
>>>>>> travel with him. Now we are both retired we appreciate the time we
>>>>>> have together and we make the most of it Oh and just so you know,
>>>>>> our
>>>>>> money (pensions, savings et al) we have combined. We have no 'his
>>>>>> and
>>>>>> hers' money! We have 'our' money!!!
>>>>>
>>>>> Good for you. My wife has not worked for years, but it has always been
>>>>> "our" money. She now has Social Security income but does not bother
>>>>> with it as she prefers not to have to worry about it. She has a little
>>>>> cash and her own credit card. When we go out, she pays for nothing.
>>>>> She
>>>>> is happy and wants for nothing.
>>>>
>>>>The perfect pet.
>>>
>>> Not at all, I see it as two couples who are happily living together
>>> the way in which they want. Whats the matter, not working for you?
>>
>> With all your women's lib, you still have one foot firmly planted in
>> the 50s.
>
> If you are talking about me again, I will copy again what I copied to
> Sheldon after his nasty assumptions:

Huh, when did I ever talk about you before?

>> We are retired now and enjoy each others' company. In the past his work
>> often took him away from home and eventually I retired a bit early to
>> travel with him. Now we are both retired we appreciate the time we
>> have together and we make the most of it Oh and just so you know, our
>> money (pensions, savings et al) we have combined. We have no 'his and
>> hers' money! We have 'our' money!!!

That sounds great, why would there be anything wrong with that?

--
Bruce

"Ed Pawlowski" > wrote in message
...
> On 1/6/2016 7:17 PM, S Viemeister wrote:
>> On 1/6/2016 6:01 PM, sf wrote:
>>
>>> The part I don't get is if it's physically stolen, it can be used just
>>> as easily as the swipe card until it's reported - which is when both
>>> types are cut off.
>>>
>> The UK system requires not just the card, but a PIN - much safer. I
>> really don't understand why the US cards are chip and signature, rather
>> than chip and PIN. It's not as if US users are unfamiliar with PINs -
>> they're used at ATMs.
>>
>
> Makes sense to me. Perhaps that is the next step, otherwise a physical
> stolen or lost card is vulnerable until reported.

The bank is very on the ball with them too. We had sent daughter (who lives
in Germany) a debit card to buy some things for the grands. The card was
declined and the bank phoned us. Once we had give our OK she was able to
draw money out.



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

On 7/1/2016 20:21 Ophelia wrote:

>
>
> "Bruce" > wrote in message
> ...
>> On 7/1/2016 10:50 sf wrote:
>>
>>> On Wed, 6 Jan 2016 23:34:04 -0000 (UTC), Bruce >
>>> wrote:
>>>
>>>> On 7/1/2016 10:06 sf wrote:
>>>>
>>>> > On Wed, 6 Jan 2016 17:04:36 -0500, Dave Smith
>>>> > > wrote:
>>>> >
>>>> >> If the cost of using the debit card service is 20 cents
>>>> >
>>>> > I NEVER use a debit card.
>>>>
>>>> I NEVER use a credit card.
>>>
>>> You're all cash? That's crazy. Use the bank's money for 30 days and
>>> pay it off.
>>
>> All debit card. I also pay invoices the day I receive them, rather than
>> wait until the due date.
>
> We always use our debit cards. The money comes straight out of the bank.

Yes, I like it that way. I buy, I pay. No surprised at the
end of the month.

--
Bruce

"Bruce" > wrote in message
...
> On 7/1/2016 20:21 Ophelia wrote:
>
>>
>>
>> "Bruce" > wrote in message
>> ...
>>> On 7/1/2016 11:01 wrote:
>>>
>>>> On Wed, 6 Jan 2016 23:32:56 -0000 (UTC), Bruce >
>>>> wrote:
>>>>
>>>>>On 7/1/2016 09:20 Ed Pawlowski wrote:
>>>>>
>>>>>> On 1/6/2016 9:38 AM, Ophelia wrote:
>>>>>>>
>>>>>>
>>>>>>>
>>>>>>> We are retired now and enjoy each others' company. In the past his
>>>>>>> work
>>>>>>> often took him away from home and eventually I retired a bit early
>>>>>>> to
>>>>>>> travel with him. Now we are both retired we appreciate the time we
>>>>>>> have together and we make the most of it Oh and just so you know,
>>>>>>> our
>>>>>>> money (pensions, savings et al) we have combined. We have no 'his
>>>>>>> and
>>>>>>> hers' money! We have 'our' money!!!
>>>>>>
>>>>>> Good for you. My wife has not worked for years, but it has always
>>>>>> been
>>>>>> "our" money. She now has Social Security income but does not bother
>>>>>> with it as she prefers not to have to worry about it. She has a
>>>>>> little
>>>>>> cash and her own credit card. When we go out, she pays for nothing.
>>>>>> She
>>>>>> is happy and wants for nothing.
>>>>>
>>>>>The perfect pet.
>>>>
>>>> Not at all, I see it as two couples who are happily living together
>>>> the way in which they want. Whats the matter, not working for you?
>>>
>>> With all your women's lib, you still have one foot firmly planted in
>>> the 50s.
>>
>> If you are talking about me again, I will copy again what I copied to
>> Sheldon after his nasty assumptions:
>
> Huh, when did I ever talk about you before?

No, you haven't.


>
>>> We are retired now and enjoy each others' company. In the past his work
>>> often took him away from home and eventually I retired a bit early to
>>> travel with him. Now we are both retired we appreciate the time we
>>> have together and we make the most of it Oh and just so you know, our
>>> money (pensions, savings et al) we have combined. We have no 'his and
>>> hers' money! We have 'our' money!!!
>
> That sounds great, why would there be anything wrong with that?
>

Ahh maybe I misattributed a post. Apologies.

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

"Bruce" > wrote in message
...
> On 7/1/2016 20:21 Ophelia wrote:
>
>>
>>
>> "Bruce" > wrote in message
>> ...
>>> On 7/1/2016 10:50 sf wrote:
>>>
>>>> On Wed, 6 Jan 2016 23:34:04 -0000 (UTC), Bruce >
>>>> wrote:
>>>>
>>>>> On 7/1/2016 10:06 sf wrote:
>>>>>
>>>>> > On Wed, 6 Jan 2016 17:04:36 -0500, Dave Smith
>>>>> > > wrote:
>>>>> >
>>>>> >> If the cost of using the debit card service is 20 cents
>>>>> >
>>>>> > I NEVER use a debit card.
>>>>>
>>>>> I NEVER use a credit card.
>>>>
>>>> You're all cash? That's crazy. Use the bank's money for 30 days and
>>>> pay it off.
>>>
>>> All debit card. I also pay invoices the day I receive them, rather than
>>> wait until the due date.
>>
>> We always use our debit cards. The money comes straight out of the bank.
>
> Yes, I like it that way. I buy, I pay. No surprised at the
> end of the month.

Yes!

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

On 7/1/2016 21:19 Ophelia wrote:

>
>
> "Bruce" > wrote in message
> ...
>> On 7/1/2016 20:21 Ophelia wrote:
>>
>>>
>>>
>>> "Bruce" > wrote in message
>>> ...
>>>> On 7/1/2016 11:01 wrote:
>>>>
>>>>> On Wed, 6 Jan 2016 23:32:56 -0000 (UTC), Bruce >
>>>>> wrote:
>>>>>
>>>>>>On 7/1/2016 09:20 Ed Pawlowski wrote:
>>>>>>
>>>>>>> On 1/6/2016 9:38 AM, Ophelia wrote:
>>>>>>>>
>>>>>>>
>>>>>>>>
>>>>>>>> We are retired now and enjoy each others' company. In the past his
>>>>>>>> work
>>>>>>>> often took him away from home and eventually I retired a bit early
>>>>>>>> to
>>>>>>>> travel with him. Now we are both retired we appreciate the time we
>>>>>>>> have together and we make the most of it Oh and just so you know,
>>>>>>>> our
>>>>>>>> money (pensions, savings et al) we have combined. We have no 'his
>>>>>>>> and
>>>>>>>> hers' money! We have 'our' money!!!
>>>>>>>
>>>>>>> Good for you. My wife has not worked for years, but it has always
>>>>>>> been
>>>>>>> "our" money. She now has Social Security income but does not bother
>>>>>>> with it as she prefers not to have to worry about it. She has a
>>>>>>> little
>>>>>>> cash and her own credit card. When we go out, she pays for nothing.
>>>>>>> She
>>>>>>> is happy and wants for nothing.
>>>>>>
>>>>>>The perfect pet.
>>>>>
>>>>> Not at all, I see it as two couples who are happily living together
>>>>> the way in which they want. Whats the matter, not working for you?
>>>>
>>>> With all your women's lib, you still have one foot firmly planted in
>>>> the 50s.
>>>
>>> If you are talking about me again, I will copy again what I copied to
>>> Sheldon after his nasty assumptions:
>>
>> Huh, when did I ever talk about you before?
>
> No, you haven't.
>
>
>>
>>>> We are retired now and enjoy each others' company. In the past his work
>>>> often took him away from home and eventually I retired a bit early to
>>>> travel with him. Now we are both retired we appreciate the time we
>>>> have together and we make the most of it Oh and just so you know, our
>>>> money (pensions, savings et al) we have combined. We have no 'his and
>>>> hers' money! We have 'our' money!!!
>>
>> That sounds great, why would there be anything wrong with that?
>>
>
> Ahh maybe I misattributed a post. Apologies.

No worries.

--
Bruce

On Wednesday, January 6, 2016 at 6:01:03 PM UTC-5, sf wrote:
> On Wed, 6 Jan 2016 03:49:23 -0800 (PST), Cindy Hamilton
> > wrote:
>
> > On Wednesday, January 6, 2016 at 3:58:14 AM UTC-5, sf wrote:
> > > On Tue, 5 Jan 2016 21:59:56 -0500, Ed Pawlowski > wrote:
> > >
> > > > The RFID chips are being phased out for security reasons. The new chip
> > > > cards have to be inserted if the equipment is available, swiped in the
> > > > meantime.
> > >
> > > I still don't understand how the new chipped cards are any safer than
> > > the old style swipe.
> >
> > The transaction is encrypted with a single-use key, and decrypted
> > on the other end. The old-style magnetic strips could be copied
> > easily, and there was a whole cottage industry in vandalizing
> > ATMs and standalone credit-card readers (like gas station pumps)
> > and installing duplicators. The hapless citizen swipes his card,
> > the information is read from the magnetic stripe, and the felon
> > has a copy of the credit card, to use as he pleases.
> >
> > The new system is much more complex; it'll probably take some
> > time before it's cracked and new fraud arises.
> >
>
> The part I don't get is if it's physically stolen, it can be used just
> as easily as the swipe card until it's reported - which is when both
> types are cut off.

The old cards don't have to be physically stolen. The card duplicators
make a copy of the card; the felons can buy quite a bit of stuff with
it before the card owner notices.

Cindy Hamilton

MisterDiddyWahDiddy wrote:
>
> Is "Honey, Honey Boo boo" Hawaiian for *send us your fat kids, and we'll
> feed them SPAM and poi until they lose all in overeating*?

Twilight Zone episode: "To Serve Man"

On Wed, 06 Jan 2016 22:21:38 -0800, sf > wrote:

>On Thu, 7 Jan 2016 00:05:28 -0000 (UTC), Bruce >
>wrote:
>
>> On 7/1/2016 10:50 sf wrote:
>>
>> > On Wed, 6 Jan 2016 23:34:04 -0000 (UTC), Bruce >
>> > wrote:
>> >
>> >> On 7/1/2016 10:06 sf wrote:
>> >>
>> >> > On Wed, 6 Jan 2016 17:04:36 -0500, Dave Smith
>> >> > > wrote:
>> >> >
>> >> >> If the cost of using the debit card service is 20 cents
>> >> >
>> >> > I NEVER use a debit card.
>> >>
>> >> I NEVER use a credit card.
>> >
>> > You're all cash? That's crazy. Use the bank's money for 30 days and
>> > pay it off.
>>
>> All debit card. I also pay invoices the day I receive them, rather than
>> wait until the due date.
>
>Debit card? <shudder>

Can't imagine why! I use my debit card for most things locally - the
money comes straight from my bank account and by the time I am home
there is a notification that it was used and for what amount. It has
simply become my plastic cash, without the inconvenience of having to
visit the bank to access it. I rarely even go to an ATM these days.

On Thu, 07 Jan 2016 01:10:47 -0800, sf > wrote:

>On Thu, 7 Jan 2016 07:24:30 -0000 (UTC), Bruce >
>wrote:
>
>> On 7/1/2016 17:21 sf wrote:
>>
>> > On Thu, 7 Jan 2016 00:05:28 -0000 (UTC), Bruce >
>> > wrote:
>> >
>> >> On 7/1/2016 10:50 sf wrote:
>> >>
>> >> > On Wed, 6 Jan 2016 23:34:04 -0000 (UTC), Bruce >
>> >> > wrote:
>> >> >
>> >> >> On 7/1/2016 10:06 sf wrote:
>> >> >>
>> >> >> > On Wed, 6 Jan 2016 17:04:36 -0500, Dave Smith
>> >> >> > > wrote:
>> >> >> >
>> >> >> >> If the cost of using the debit card service is 20 cents
>> >> >> >
>> >> >> > I NEVER use a debit card.
>> >> >>
>> >> >> I NEVER use a credit card.
>> >> >
>> >> > You're all cash? That's crazy. Use the bank's money for 30 days and
>> >> > pay it off.
>> >>
>> >> All debit card. I also pay invoices the day I receive them, rather than
>> >> wait until the due date.
>> >
>> > Debit card? <shudder>
>>
>> What's wrong with that? I like to pay on the spot.
>
>You enjoy paying the bank for every transaction? Pay with cash if
>you're all about paying on the spot.

I don't pay anything for using my debit card - I suppose I would if
the money was not in my account but that has never happened. I can't
imagine going to an ATM, getting cash and paying on the spot that way.
With a debit card it's as if my whole chequing account is right with
me.

On Thu, 7 Jan 2016 09:35:11 -0000 (UTC), Bruce >
wrote:

>On 7/1/2016 20:21 Ophelia wrote:
>
>>
>>
>> "Bruce" > wrote in message
>> ...
>>> On 7/1/2016 11:01 wrote:
>>>
>>>> On Wed, 6 Jan 2016 23:32:56 -0000 (UTC), Bruce >
>>>> wrote:
>>>>
>>>>>On 7/1/2016 09:20 Ed Pawlowski wrote:
>>>>>
>>>>>> On 1/6/2016 9:38 AM, Ophelia wrote:
>>>>>>>
>>>>>>
>>>>>>>
>>>>>>> We are retired now and enjoy each others' company. In the past his
>>>>>>> work
>>>>>>> often took him away from home and eventually I retired a bit early to
>>>>>>> travel with him. Now we are both retired we appreciate the time we
>>>>>>> have together and we make the most of it Oh and just so you know,
>>>>>>> our
>>>>>>> money (pensions, savings et al) we have combined. We have no 'his
>>>>>>> and
>>>>>>> hers' money! We have 'our' money!!!
>>>>>>
>>>>>> Good for you. My wife has not worked for years, but it has always been
>>>>>> "our" money. She now has Social Security income but does not bother
>>>>>> with it as she prefers not to have to worry about it. She has a little
>>>>>> cash and her own credit card. When we go out, she pays for nothing.
>>>>>> She
>>>>>> is happy and wants for nothing.
>>>>>
>>>>>The perfect pet.
>>>>
>>>> Not at all, I see it as two couples who are happily living together
>>>> the way in which they want. Whats the matter, not working for you?
>>>
>>> With all your women's lib, you still have one foot firmly planted in
>>> the 50s.
>>
>> If you are talking about me again, I will copy again what I copied to
>> Sheldon after his nasty assumptions:
>
>Huh, when did I ever talk about you before?
>
>>> We are retired now and enjoy each others' company. In the past his work
>>> often took him away from home and eventually I retired a bit early to
>>> travel with him. Now we are both retired we appreciate the time we
>>> have together and we make the most of it Oh and just so you know, our
>>> money (pensions, savings et al) we have combined. We have no 'his and
>>> hers' money! We have 'our' money!!!
>
>That sounds great, why would there be anything wrong with that?

YOU were the one suggesting there was!!

On Thu, 7 Jan 2016 10:19:46 -0000, "Ophelia" >
wrote:

>
>
>"Bruce" > wrote in message
...
>> On 7/1/2016 20:21 Ophelia wrote:
>>
>>>
>>>
>>> "Bruce" > wrote in message
>>> ...
>>>> On 7/1/2016 11:01 wrote:
>>>>
>>>>> On Wed, 6 Jan 2016 23:32:56 -0000 (UTC), Bruce >
>>>>> wrote:
>>>>>
>>>>>>On 7/1/2016 09:20 Ed Pawlowski wrote:
>>>>>>
>>>>>>> On 1/6/2016 9:38 AM, Ophelia wrote:
>>>>>>>>
>>>>>>>
>>>>>>>>
>>>>>>>> We are retired now and enjoy each others' company. In the past his
>>>>>>>> work
>>>>>>>> often took him away from home and eventually I retired a bit early
>>>>>>>> to
>>>>>>>> travel with him. Now we are both retired we appreciate the time we
>>>>>>>> have together and we make the most of it Oh and just so you know,
>>>>>>>> our
>>>>>>>> money (pensions, savings et al) we have combined. We have no 'his
>>>>>>>> and
>>>>>>>> hers' money! We have 'our' money!!!
>>>>>>>
>>>>>>> Good for you. My wife has not worked for years, but it has always
>>>>>>> been
>>>>>>> "our" money. She now has Social Security income but does not bother
>>>>>>> with it as she prefers not to have to worry about it. She has a
>>>>>>> little
>>>>>>> cash and her own credit card. When we go out, she pays for nothing.
>>>>>>> She
>>>>>>> is happy and wants for nothing.
>>>>>>
>>>>>>The perfect pet.
>>>>>
>>>>> Not at all, I see it as two couples who are happily living together
>>>>> the way in which they want. Whats the matter, not working for you?
>>>>
>>>> With all your women's lib, you still have one foot firmly planted in
>>>> the 50s.
>>>
>>> If you are talking about me again, I will copy again what I copied to
>>> Sheldon after his nasty assumptions:
>>
>> Huh, when did I ever talk about you before?
>
>No, you haven't.
>
>
>>
>>>> We are retired now and enjoy each others' company. In the past his work
>>>> often took him away from home and eventually I retired a bit early to
>>>> travel with him. Now we are both retired we appreciate the time we
>>>> have together and we make the most of it Oh and just so you know, our
>>>> money (pensions, savings et al) we have combined. We have no 'his and
>>>> hers' money! We have 'our' money!!!
>>
>> That sounds great, why would there be anything wrong with that?
>>
>
>Ahh maybe I misattributed a post. Apologies.

No as usual he was trying to pick on me - he is so adamantly set
against womens rights I suspect he is hen pecked.

On 1/7/2016 4:42 AM, Bruce wrote:

> Yes, I like it that way. I buy, I pay. No surprised at the
> end of the month.

Unless someone has used my credit card who it not authorized,
I'm never surprised at the end of the month. That's only happened
once. That I could straighten out without a hassle and without
the funds disappearing from my checking account, the way it goes
for debit card users.

Of course, people who don't handle credit well are better off
with a debit card, but that's another subject.

nancy

> wrote in message
news
> On Thu, 07 Jan 2016 01:10:47 -0800, sf > wrote:
>
>>On Thu, 7 Jan 2016 07:24:30 -0000 (UTC), Bruce >
>>wrote:
>>
>>> On 7/1/2016 17:21 sf wrote:
>>>
>>> > On Thu, 7 Jan 2016 00:05:28 -0000 (UTC), Bruce >
>>> > wrote:
>>> >
>>> >> On 7/1/2016 10:50 sf wrote:
>>> >>
>>> >> > On Wed, 6 Jan 2016 23:34:04 -0000 (UTC), Bruce
>>> >> > >
>>> >> > wrote:
>>> >> >
>>> >> >> On 7/1/2016 10:06 sf wrote:
>>> >> >>
>>> >> >> > On Wed, 6 Jan 2016 17:04:36 -0500, Dave Smith
>>> >> >> > > wrote:
>>> >> >> >
>>> >> >> >> If the cost of using the debit card service is 20 cents
>>> >> >> >
>>> >> >> > I NEVER use a debit card.
>>> >> >>
>>> >> >> I NEVER use a credit card.
>>> >> >
>>> >> > You're all cash? That's crazy. Use the bank's money for 30 days
>>> >> > and
>>> >> > pay it off.
>>> >>
>>> >> All debit card. I also pay invoices the day I receive them, rather
>>> >> than
>>> >> wait until the due date.
>>> >
>>> > Debit card? <shudder>
>>>
>>> What's wrong with that? I like to pay on the spot.
>>
>>You enjoy paying the bank for every transaction? Pay with cash if
>>you're all about paying on the spot.
>
> I don't pay anything for using my debit card - I suppose I would if
> the money was not in my account but that has never happened. I can't
> imagine going to an ATM, getting cash and paying on the spot that way.
> With a debit card it's as if my whole chequing account is right with
> me.

+1 sf simply doesn't understand how our debit cards work.

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

> wrote in message
...
> On Wed, 06 Jan 2016 22:21:38 -0800, sf > wrote:
>
>>On Thu, 7 Jan 2016 00:05:28 -0000 (UTC), Bruce >
>>wrote:
>>
>>> On 7/1/2016 10:50 sf wrote:
>>>
>>> > On Wed, 6 Jan 2016 23:34:04 -0000 (UTC), Bruce >
>>> > wrote:
>>> >
>>> >> On 7/1/2016 10:06 sf wrote:
>>> >>
>>> >> > On Wed, 6 Jan 2016 17:04:36 -0500, Dave Smith
>>> >> > > wrote:
>>> >> >
>>> >> >> If the cost of using the debit card service is 20 cents
>>> >> >
>>> >> > I NEVER use a debit card.
>>> >>
>>> >> I NEVER use a credit card.
>>> >
>>> > You're all cash? That's crazy. Use the bank's money for 30 days and
>>> > pay it off.
>>>
>>> All debit card. I also pay invoices the day I receive them, rather than
>>> wait until the due date.
>>
>>Debit card? <shudder>
>
> Can't imagine why! I use my debit card for most things locally - the
> money comes straight from my bank account and by the time I am home
> there is a notification that it was used and for what amount. It has
> simply become my plastic cash, without the inconvenience of having to
> visit the bank to access it. I rarely even go to an ATM these days.

That is exactly how it works for us.

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

On Thu, 7 Jan 2016 07:54:16 -0500, Nancy Young
> wrote:

>On 1/7/2016 4:42 AM, Bruce wrote:
>
>> Yes, I like it that way. I buy, I pay. No surprised at the
>> end of the month.
>
>Unless someone has used my credit card who it not authorized,
>I'm never surprised at the end of the month. That's only happened
>once. That I could straighten out without a hassle and without
>the funds disappearing from my checking account, the way it goes
>for debit card users.
>
>Of course, people who don't handle credit well are better off
>with a debit card, but that's another subject.
>
>nancy

While that may be true, if you are sensible with money having both
credit and debit cards is great. As you said, trekking continually to
the bank or to an ATM was for the birds.

On Thu, 7 Jan 2016 13:16:08 -0000, "Ophelia" >
wrote:

>
>
> wrote in message
.. .
>> On Wed, 06 Jan 2016 22:21:38 -0800, sf > wrote:
>>
>>>On Thu, 7 Jan 2016 00:05:28 -0000 (UTC), Bruce >
>>>wrote:
>>>
>>>> On 7/1/2016 10:50 sf wrote:
>>>>
>>>> > On Wed, 6 Jan 2016 23:34:04 -0000 (UTC), Bruce >
>>>> > wrote:
>>>> >
>>>> >> On 7/1/2016 10:06 sf wrote:
>>>> >>
>>>> >> > On Wed, 6 Jan 2016 17:04:36 -0500, Dave Smith
>>>> >> > > wrote:
>>>> >> >
>>>> >> >> If the cost of using the debit card service is 20 cents
>>>> >> >
>>>> >> > I NEVER use a debit card.
>>>> >>
>>>> >> I NEVER use a credit card.
>>>> >
>>>> > You're all cash? That's crazy. Use the bank's money for 30 days and
>>>> > pay it off.
>>>>
>>>> All debit card. I also pay invoices the day I receive them, rather than
>>>> wait until the due date.
>>>
>>>Debit card? <shudder>
>>
>> Can't imagine why! I use my debit card for most things locally - the
>> money comes straight from my bank account and by the time I am home
>> there is a notification that it was used and for what amount. It has
>> simply become my plastic cash, without the inconvenience of having to
>> visit the bank to access it. I rarely even go to an ATM these days.
>
>That is exactly how it works for us.

About fifteen years ago our banks were shreiking to be 'de-regulated'
all same the US banks. Thank god our Finance Minister of the time
Paul Martin said no! He wasn't popular but it saved our bacon when
the crash came and clearly has been in our (the little peoples) favour
ever since

On 2016-01-07 7:35 AM, wrote:

>> You enjoy paying the bank for every transaction? Pay with cash if
>> you're all about paying on the spot.
>
> I don't pay anything for using my debit card - I suppose I would if
> the money was not in my account but that has never happened. I can't
> imagine going to an ATM, getting cash and paying on the spot that way.
> With a debit card it's as if my whole chequing account is right with
> me.
>

No. You don't pay anything .. directly. The merchant pays a transaction
fee. Knowing that a lot of people are going to pay by debit card or
credit card, the tack a little extra on their prices to cover it. Then
we all end up paying extra for goods. That is why some places are
willing to give a discount for cash. When someone pays cash without a
discount the merchant makes a little extra profit... the money that
would have gone to pay the card fees.

In article >,
says...
>
> On Wednesday, January 6, 2016 at 11:06:23 AM UTC-5, Janet wrote:
> > In article >,


> > > Funny how banks are making huge profits these days while interest
rates
> > > are pitifully low. It is annoying after years of putting away money form
> > > earnings and inheritances into savings accounts. When various accounts
> > > come due and I have to go and see the financial consultant I see that
> > > the money I will get from it barely pays for the gas to drive over
> > > there. I can't help but think back to 1977 when I bought our house and
> > > was paying 10 1/4 % on the mortgage, and then had to renew in 1982 at 18
> > > 1/2%. Now that I have money in the bank it I am lucky to get 1-1/2%.
> >
> > Surely you can find guaranteed investments with a better return than
> > that? Even govt bonds here are paying 4%.
> >
> > Janet UK
>
> Checking accounts aren't investments,

? From D's post about putting away inheritances into savings accounts
and seeing his Financial adviser, I thought he was talking about money
invested.

Janet. UK

On 2016-01-07 7:54 AM, Nancy Young wrote:

> Unless someone has used my credit card who it not authorized,
> I'm never surprised at the end of the month. That's only happened
> once. That I could straighten out without a hassle and without
> the funds disappearing from my checking account, the way it goes
> for debit card users.

The only surprises I have had lately were on charges I made in
California and discovered I have been gouged on the exchange rate. We
were there with a friend we were visiting in Palo Alto and it was a
short drive from her place. I bought an $85 sweater and a $15 cap. When
the bill came there was a charge for a little over $150 at a place
whose name I did not recognize in a place called Mountainview. I have
to go rummaging through bills and when I found the one from REI I
immediately recognized the purchases, and then consulted Google Maps and
saw that Mountainview was the municipality in which the store was located.

>
> Of course, people who don't handle credit well are better off
> with a debit card, but that's another subject.
>

Some people do not. My son ended up in credit card debt and it was tough
for him to pay it off. I could have helped him out but I hoped that he
would learn from a hard lesson. I have known a few people who owed so
much on their cards that they had a rough time each month coming up with
the minimum payments. Personally, I have a newspaper subscription,
telephone and satellite bills that I pay by credit card. I occasionally
make telephone or online purchases by card. Other than that I usually
only use credit cards for something big that I can pay off with money
due in soon. Christmas is an expensive time so I pay about half the
present purchases by card and pay it off in January.

In article >,
says...
>
> On Wed, 6 Jan 2016 19:04:03 -0000, "Ophelia" >
> wrote:
>
> >
> >
> > wrote in message
> >news
> >> On Wed, 6 Jan 2016 11:22:31 -0500, jmcquown >
> >> wrote:
> >>
> >>>On 1/6/2016 8:34 AM, Janet wrote:
> >>>>> All my money is happy money! I can't remember the last time I went out
> >>>>> >without Himself and he carries money.
> >>>>
> >>>> OMG
> >>>>
> >>>> Janet UK
> >>>
> >>>I sure hope "Himself" doesn't die before she does. Whatever would she
> >>>do?!
> >>>
> >>>Jill
> >>
> >> Huh? I don't get what you mean, what difference would it make,
> >> imagine they have a joint account as did we.
> >
> >??? Everything we have is joint! All our pensions, savings et al!
> >
> >I wonder if she has a joint account with her 'SO' ... and what difference it
> >would make if 'SO' dies before she does.
> >
> >If not, whatever would she do?!
> >
> >And No, I don't care!
>
> Well if she had, she wouldn't have wondered how you would manage. When
> David died nothing changed for me other than that I no longer had him
> No worries as to money etc. Three little words 'All to wife' -

Though that doesn't apply in Scotland if the deceased has children. In
Scottish inheritance law, even adult children retain permanent
inheritance rights over part of their parents' estates.


Janet UK

On 2016-01-07 9:42 AM, Janet wrote:
> In article >,
> says...
>>
>> On Wednesday, January 6, 2016 at 11:06:23 AM UTC-5, Janet wrote:
>>> In article >,
>
>
>>>> Funny how banks are making huge profits these days while interest
> rates
>>>> are pitifully low. It is annoying after years of putting away money form
>>>> earnings and inheritances into savings accounts. When various accounts
>>>> come due and I have to go and see the financial consultant I see that
>>>> the money I will get from it barely pays for the gas to drive over
>>>> there. I can't help but think back to 1977 when I bought our house and
>>>> was paying 10 1/4 % on the mortgage, and then had to renew in 1982 at 18
>>>> 1/2%. Now that I have money in the bank it I am lucky to get 1-1/2%.
>>>
>>> Surely you can find guaranteed investments with a better return than
>>> that? Even govt bonds here are paying 4%.
>>>
>>> Janet UK
>>
>> Checking accounts aren't investments,
>
> ? From D's post about putting away inheritances into savings accounts
> and seeing his Financial adviser, I thought he was talking about money
> invested.
>

You're right.

On 2016-01-07 9:53 AM, Janet wrote:
> In article >,
> says...
>>
>> On Wed, 6 Jan 2016 19:04:03 -0000, "Ophelia" >
>> wrote:
>>
>>>
>>>
>>> > wrote in message
>>> news >>>> On Wed, 6 Jan 2016 11:22:31 -0500, jmcquown >
>>>> wrote:
>>>>
>>>>> On 1/6/2016 8:34 AM, Janet wrote:
>>>>>>> All my money is happy money! I can't remember the last time I went out
>>>>>>>> without Himself and he carries money.
>>>>>>
>>>>>> OMG
>>>>>>
>>>>>> Janet UK
>>>>>
>>>>> I sure hope "Himself" doesn't die before she does. Whatever would she
>>>>> do?!
>>>>>
>>>>> Jill
>>>>
>>>> Huh? I don't get what you mean, what difference would it make,
>>>> imagine they have a joint account as did we.
>>>
>>> ??? Everything we have is joint! All our pensions, savings et al!
>>>
>>> I wonder if she has a joint account with her 'SO' ... and what difference it
>>> would make if 'SO' dies before she does.
>>>
>>> If not, whatever would she do?!
>>>
>>> And No, I don't care!
>>
>> Well if she had, she wouldn't have wondered how you would manage. When
>> David died nothing changed for me other than that I no longer had him
>> No worries as to money etc. Three little words 'All to wife' -
>
> Though that doesn't apply in Scotland if the deceased has children. In
> Scottish inheritance law, even adult children retain permanent
> inheritance rights over part of their parents' estates.

When my father died my brother expected to inherit my parent's house.For
some reason, he expected it to go to the eldest son. He got a rude
surprise. My other brothers and I were not at all surprised that he had
left everything to our mother. That was what we had expected and what we
thought would be proper.

On 07/01/2016 5:40 AM, wrote:
> On Thu, 7 Jan 2016 10:19:46 -0000, "Ophelia" >
> wrote:
>
>>
>>
>> "Bruce" > wrote in message
>> ...
>>> On 7/1/2016 20:21 Ophelia wrote:
>>>
>>>>
>>>>
>>>> "Bruce" > wrote in message
>>>> ...
>>>>> On 7/1/2016 11:01 wrote:
>>>>>
>>>>>> On Wed, 6 Jan 2016 23:32:56 -0000 (UTC), Bruce >
>>>>>> wrote:
>>>>>>
>>>>>>> On 7/1/2016 09:20 Ed Pawlowski wrote:
>>>>>>>
>>>>>>>> On 1/6/2016 9:38 AM, Ophelia wrote:
>>>>>>>>>
>>>>>>>>
>>>>>>>>>
>>>>>>>>> We are retired now and enjoy each others' company. In the past his
>>>>>>>>> work
>>>>>>>>> often took him away from home and eventually I retired a bit early
>>>>>>>>> to
>>>>>>>>> travel with him. Now we are both retired we appreciate the time we
>>>>>>>>> have together and we make the most of it Oh and just so you know,
>>>>>>>>> our
>>>>>>>>> money (pensions, savings et al) we have combined. We have no 'his
>>>>>>>>> and
>>>>>>>>> hers' money! We have 'our' money!!!
>>>>>>>>
>>>>>>>> Good for you. My wife has not worked for years, but it has always
>>>>>>>> been
>>>>>>>> "our" money. She now has Social Security income but does not bother
>>>>>>>> with it as she prefers not to have to worry about it. She has a
>>>>>>>> little
>>>>>>>> cash and her own credit card. When we go out, she pays for nothing.
>>>>>>>> She
>>>>>>>> is happy and wants for nothing.
>>>>>>>
>>>>>>> The perfect pet.
>>>>>>
>>>>>> Not at all, I see it as two couples who are happily living together
>>>>>> the way in which they want. Whats the matter, not working for you?
>>>>>
>>>>> With all your women's lib, you still have one foot firmly planted in
>>>>> the 50s.
>>>>
>>>> If you are talking about me again, I will copy again what I copied to
>>>> Sheldon after his nasty assumptions:
>>>
>>> Huh, when did I ever talk about you before?
>>
>> No, you haven't.
>>
>>
>>>
>>>>> We are retired now and enjoy each others' company. In the past his work
>>>>> often took him away from home and eventually I retired a bit early to
>>>>> travel with him. Now we are both retired we appreciate the time we
>>>>> have together and we make the most of it Oh and just so you know, our
>>>>> money (pensions, savings et al) we have combined. We have no 'his and
>>>>> hers' money! We have 'our' money!!!
>>>
>>> That sounds great, why would there be anything wrong with that?
>>>
>>
>> Ahh maybe I misattributed a post. Apologies.
>
> No as usual he was trying to pick on me - he is so adamantly set
> against womens rights I suspect he is hen pecked.
>
You mean he has an abusive wife!
:-)

On 07/01/2016 6:53 AM, wrote:
> On Thu, 7 Jan 2016 13:16:08 -0000, "Ophelia" >
> wrote:
>
>>
>>
>> > wrote in message
>> ...
>>> On Wed, 06 Jan 2016 22:21:38 -0800, sf > wrote:
>>>
>>>> On Thu, 7 Jan 2016 00:05:28 -0000 (UTC), Bruce >
>>>> wrote:
>>>>
>>>>> On 7/1/2016 10:50 sf wrote:
>>>>>
>>>>>> On Wed, 6 Jan 2016 23:34:04 -0000 (UTC), Bruce >
>>>>>> wrote:
>>>>>>
>>>>>>> On 7/1/2016 10:06 sf wrote:
>>>>>>>
>>>>>>>> On Wed, 6 Jan 2016 17:04:36 -0500, Dave Smith
>>>>>>>> > wrote:
>>>>>>>>
>>>>>>>>> If the cost of using the debit card service is 20 cents
>>>>>>>>
>>>>>>>> I NEVER use a debit card.
>>>>>>>
>>>>>>> I NEVER use a credit card.
>>>>>>
>>>>>> You're all cash? That's crazy. Use the bank's money for 30 days and
>>>>>> pay it off.
>>>>>
>>>>> All debit card. I also pay invoices the day I receive them, rather than
>>>>> wait until the due date.
>>>>
>>>> Debit card? <shudder>
>>>
>>> Can't imagine why! I use my debit card for most things locally - the
>>> money comes straight from my bank account and by the time I am home
>>> there is a notification that it was used and for what amount. It has
>>> simply become my plastic cash, without the inconvenience of having to
>>> visit the bank to access it. I rarely even go to an ATM these days.
>>
>> That is exactly how it works for us.
>
> About fifteen years ago our banks were shreiking to be 'de-regulated'
> all same the US banks. Thank god our Finance Minister of the time
> Paul Martin said no! He wasn't popular but it saved our bacon when
> the crash came and clearly has been in our (the little peoples) favour
> ever since
>
Yet Harper, who had been all for deregulation, boasted that it was due
to him!

In article >,
says...
>
> > wrote in message
> ...
> > On Wed, 6 Jan 2016 20:32:11 -0000, "Ophelia" >
> > wrote:
> >
> >>
> >>
> > wrote in message
> . ..
> >>> On Wed, 6 Jan 2016 19:04:03 -0000, "Ophelia" >
> >>> wrote:
> >>>
> >>>>
> >>>>
> > wrote in message
> >>>>news > >>>>> On Wed, 6 Jan 2016 11:22:31 -0500, jmcquown >
> >>>>> wrote:
> >>>>>
> >>>>>>On 1/6/2016 8:34 AM, Janet wrote:
> >>>>>>>> All my money is happy money! I can't remember the last time I went
> >>>>>>>> out
> >>>>>>>> >without Himself and he carries money.
> >>>>>>>
> >>>>>>> OMG
> >>>>>>>
> >>>>>>> Janet UK
> >>>>>>
> >>>>>>I sure hope "Himself" doesn't die before she does. Whatever would she
> >>>>>>do?!
> >>>>>>
> >>>>>>Jill
> >>>>>
> >>>>> Huh? I don't get what you mean, what difference would it make,
> >>>>> imagine they have a joint account as did we.
> >>>>
> >>>>??? Everything we have is joint! All our pensions, savings et al!
> >>>>
> >>>>I wonder if she has a joint account with her 'SO' ... and what
> >>>>difference
> >>>>it
> >>>>would make if 'SO' dies before she does.
> >>>>
> >>>>If not, whatever would she do?!
> >>>>
> >>>>And No, I don't care!
> >>>
> >>> Well if she had, she wouldn't have wondered how you would manage. When
> >>> David died nothing changed for me other than that I no longer had him
> >>> No worries as to money etc. Three little words 'All to wife' -
> >>
> >>Of course! Or partner and children?


> > I suppose partner would open the will to contest by blood relatives
> > and while child might work, children might produce difficulties.
> >
> > According to lawyers, all to wife is the strongest will that can be
> > made and really cannot be fought unless you want to pay lawyers and
> > lose
>
> Of course!

That simply isnt true in Scotland.

Janet UK

"Janet" > wrote in message
.. .
> In article >,
> says...
>>
>> > wrote in message
>> ...
>> > On Wed, 6 Jan 2016 20:32:11 -0000, "Ophelia" >
>> > wrote:
>> >
>> >>
>> >>
>> > wrote in message
>> . ..
>> >>> On Wed, 6 Jan 2016 19:04:03 -0000, "Ophelia" >
>> >>> wrote:
>> >>>
>> >>>>
>> >>>>
>> > wrote in message
>> >>>>news >> >>>>> On Wed, 6 Jan 2016 11:22:31 -0500, jmcquown >
>> >>>>> wrote:
>> >>>>>
>> >>>>>>On 1/6/2016 8:34 AM, Janet wrote:
>> >>>>>>>> All my money is happy money! I can't remember the last time I
>> >>>>>>>> went
>> >>>>>>>> out
>> >>>>>>>> >without Himself and he carries money.
>> >>>>>>>
>> >>>>>>> OMG
>> >>>>>>>
>> >>>>>>> Janet UK
>> >>>>>>
>> >>>>>>I sure hope "Himself" doesn't die before she does. Whatever would
>> >>>>>>she
>> >>>>>>do?!
>> >>>>>>
>> >>>>>>Jill
>> >>>>>
>> >>>>> Huh? I don't get what you mean, what difference would it make,
>> >>>>> imagine they have a joint account as did we.
>> >>>>
>> >>>>??? Everything we have is joint! All our pensions, savings et al!
>> >>>>
>> >>>>I wonder if she has a joint account with her 'SO' ... and what
>> >>>>difference
>> >>>>it
>> >>>>would make if 'SO' dies before she does.
>> >>>>
>> >>>>If not, whatever would she do?!
>> >>>>
>> >>>>And No, I don't care!
>> >>>
>> >>> Well if she had, she wouldn't have wondered how you would manage.
>> >>> When
>> >>> David died nothing changed for me other than that I no longer had him
>> >>> No worries as to money etc. Three little words 'All to wife' -
>> >>
>> >>Of course! Or partner and children?
>
>
>> > I suppose partner would open the will to contest by blood relatives
>> > and while child might work, children might produce difficulties.
>> >
>> > According to lawyers, all to wife is the strongest will that can be
>> > made and really cannot be fought unless you want to pay lawyers and
>> > lose
>>
>> Of course!
>
> That simply isnt true in Scotland.

They are not in Scotland.


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

In article >, says...
>
> On 7/01/2016 10:34 AM, Bruce wrote:
> > On 7/1/2016 10:06 sf wrote:
> >
> >> On Wed, 6 Jan 2016 17:04:36 -0500, Dave Smith
> >> > wrote:
> >>
> >>> If the cost of using the debit card service is 20 cents
> >>
> >> I NEVER use a debit card.
> >
> > I NEVER use a credit card.
> >
> I use both! ;-)

You devil you :-)

Satan UK

On 2016-01-07 10:22 AM, Janet wrote:

>>> According to lawyers, all to wife is the strongest will that can be
>>> made and really cannot be fought unless you want to pay lawyers and
>>> lose
>>
>> Of course!
>
> That simply isnt true in Scotland.


I am not sure of the current laws, but when my grandfather died in 1968
or thereabouts, he did not have a will, so everything went to my mother
and her two sisters. They did the right thing and signed it back over
to my grandmother. Apparently there was an agreement of some type that
when my grandmother died it would go back to the three sisters equally.
Unfortunately, my mother's older sister was a bit of a sleaze and
tried to get the whole thing. One sister had died and my grandmother
changed her will to include my mother and, for some reason, the wicked
aunt's son for a three way split. My late aunt's family were screwed
out of things completely.

In article >,
says...
>
> On 1/6/2016 8:46 AM, Janet wrote:
> > In article >,
> > says...
> >>
> >> On Tue, 5 Jan 2016 20:30:47 -0000, Janet > wrote:
> >>
> >> snip
> >>>
> >>> But not evenly. I am a bank customer who pays no banking costs or
> >>> charges of any kind for the services I use.
> >>>
> >>> Other customers do, the ones who pay interest on bank loans and over
> >>> drafts, and run up huge CC debts at awful interest rates. They are
> >>> subsidising me.
> >>>
> >>> Janet UK
> >>
> >> Generally that privilege is offered to customers who maintain a
> >> certain balance with the bank. Your payment for services is
> >> essentially lending the bank your money, interest free.
> >
> > Er, no. The bank pays interest to ME :-)
> >
> >
> > Janet UK
> >
> >
> >
> Sure they do, but after they take a cut of it.

However, I AM still earning interest; I don't lend the bank my money
interest free, as claimed by the previous poster.


They give you interest
> to entice you to let them use your money. Simple how it works. You
> deposit $100. They take your money and lend it to someone else and take
> back in $105. The give you one and keep four.

Wrong. I already posted the 5% interest available on UK current
accounts and either, you can't read or you can't take it in. Just one
example:

http://www.moneysupermarket.com/curr...interest-bank-
accounts/

> Buy lunch and use your debit or credit card and you give them another
> few shillings.

I pay exactly the same price as cash. I pay no charges whatever for
the use of my DD or credit cards. This is not the USA.

Janet UK

Bruce wrote:
> On 7/1/2016 20:10 sf wrote:
>
>> On Thu, 7 Jan 2016 07:24:30 -0000 (UTC), Bruce >
>> wrote:
>>
>>> On 7/1/2016 17:21 sf wrote:
>>>
>>>> On Thu, 7 Jan 2016 00:05:28 -0000 (UTC), Bruce >
>>>> wrote:
>>>>
>>>>> On 7/1/2016 10:50 sf wrote:
>>>>>
>>>>>> On Wed, 6 Jan 2016 23:34:04 -0000 (UTC), Bruce >
>>>>>> wrote:
>>>>>>
>>>>>>> On 7/1/2016 10:06 sf wrote:
>>>>>>>
>>>>>>>> On Wed, 6 Jan 2016 17:04:36 -0500, Dave Smith
>>>>>>>> > wrote:
>>>>>>>>
>>>>>>>>> If the cost of using the debit card service is 20 cents
>>>>>>>>
>>>>>>>> I NEVER use a debit card.
>>>>>>>
>>>>>>> I NEVER use a credit card.
>>>>>>
>>>>>> You're all cash? That's crazy. Use the bank's money for 30 days and
>>>>>> pay it off.
>>>>>
>>>>> All debit card. I also pay invoices the day I receive them, rather than
>>>>> wait until the due date.
>>>>
>>>> Debit card? <shudder>
>>>
>>> What's wrong with that? I like to pay on the spot.
>>
>> You enjoy paying the bank for every transaction? Pay with cash if
>> you're all about paying on the spot.
>
> But I pay the same amount, whether I pay cash or by debit card.
>
You are willfully clueless.

On Thursday, January 7, 2016 at 10:12:13 AM UTC-6, Janet wrote:
....
> I pay exactly the same price as cash. I pay no charges whatever for
> the use of my DD or credit cards. This is not the USA.
>
> Janet UK

I DO live in the U.S. and I pay no charges on my CC because I pay off the balanace every month! I'm what creditors call a "deadbeat"!



John Kuthe...

wrote:
>> Ahh maybe I misattributed a post. Apologies.
> No as usual he was trying to pick on me -

Wow.

After all the picking on Julie YOU have done...

Amazing.

wrote:
> He wasn't popular but it saved our bacon when
> the crash came and clearly has been in our (the little peoples) favour
> ever since

As evidenced by the MESS your economy is in now, LOL!