Subj : nuts was: logs and To : Nancy Backus From : Barry Martin Date : Thu Oct 31 2019 12:39:00 Hi Nancy! BM>> True! Better to mail early and loose a half-cent of interest! Even BM>> with the electronic bill pay option I'll transfer a before the due BM>> date, even if means several days because of weekend,s holidays, etc. NB>> I'm not losing any interest when I pay earlier, since I'm just NB>> paying out of a non-interest bearing checking account... But I do NB>> also try to pay beforehand and not wait till the last second... ;) BM> In your case doesn't make any diffence; my credit union's checking BM> account is interest-bearing so I probably gain a whole cent a month by BM> holding on to my money. More just the thought the money is mine as BM> long as possible, though of course I don't have any issues with BM> relinquishing the money as I owe it. (I think my Mother's credit BM> union is set up like your's: her checking is non-interest bearing.) NB> Sounds like hers is like mine... A penny or so lost in interest NB> isn't much really... and nothing in comparison with the hefty NB> late fees that credit cards tend to impose for not making the NB> deadline.... :) I generally move money over from the savings to NB> the checking when it's time to write the checks or to call the NB> payments in.... Smart move. And yes, there is a significant difference in the potential interest/dividend gained vs. the massive late fee. And I would probably move the money between accounts when writing the checks, just to be certain the process is done in time and you don't fofregt about doing the move. BM>> ...Always thought a little nasty the bill is due on a Sunday or BM>> whatever day but can't present it because of effectively being closed. NB>> In today's computer age, generally phone payments are credited as of NB>> the day of the phone call, even if it is Sunday or a bank holiday and NB>> the bank is closed... I'd guess that obtains also for online NB>> payments... It just doesn't work for mailed payments since not NB>> delivered on Sundays or federal holidays, and not processed if the NB>> business isn't open, either... but the ones directly into their NB>> computer are... BM> My on-line payments won't allow configuring to pay on Sundays (maybe BM> the weekend) and holidays; don't pay that much attention as I generally BM> select so the payment arrival is the day before the due date and if BM> not allowed just have to select an earlier date. ...There goes another BM> penny! (Better than loosing dollars to the late fee!) NB> Absolutely... :) I'm surprised that it doesn't allow it... but NB> maybe that's because the bank itself doesn't want payments to go NB> out when it is closed.... Possibly. One of those "yeah, whatever" things. I'm not going to change it and so not worth bellyaching about it to them. BM> As you said, would seem the electronic payments could be processed any BM> time as goes to the computer and not to a billing clerk. NB> I've not used online payments, just the phone ones and the paper NB> check type.... ;) When time is really tight, I make the payment NB> by phone... I'm thinking the on-line payment goes through a computer too: it knows how to process those TouchTone beeps! NB>>> Yup, waiting for special order parts would also be a hassle.... better NB>>> to not tempt fate... :) The rental worked out pretty well... :) BM>> Good. A car will work without a turn signal; doesn't work all that BM>> well without a transmission. NB>> Exactly... :) So for this last trip, instead of using my car, we went NB>> in Richard's car with him driving... He was gratified to find out that NB>> his car still /was/ up to a major trip... it did just fine.. His is a NB>> '98 wagon, but still running fairly well... :) BM> Good! Have an 2008 and a 2006 here - look fairly new and drive well BM> so no reason to trade in, though I need to take mine in to see why and BM> hopefully fix without too much expense why the lock system is acting BM> wonky ==> will try to lock when already locked, or unlocks by itself BM> (the alarm is still set). Halloween is coming up: it's been BM> possessed!! NB> Kinda sounds possessed.... Mine is a 2005, still generally doing NB> fine and looks fairly new, too... I was going to take it in to be checked but then it behaved normally; hard to troubleshoot when nothing's wrong! The 'check engine' hasn't been on so probably no codes. BM>> As for "Bankers Life" being attached to a local number, have seen BM>> other instances of real companies' names being attached to local BM>> numbers. "Deere Co" came up the other day -- John Deere is local; no BM>> reason for anyone there to call us so didn't answer. NB>> Plenty of times now that those names and numbers have been spoofed, NB>> and someone else is on the other end... BM> Right. Oh: we had our own name and number come up on the Caller ID a BM> couple of days ago! Haven't seen that in months! And the funny thing BM> is we were just talking about it. (And no, didn't answer.) NB> This time of year, for all you know, it's spooked, not just NB> spoofed... If the spammers had a sense of humour they could play to that! "Casper Ghost", "Chuckie"; Thanksgiving could have "Tom Turkey", something for 'Pilgrim'...... BM>> Right. Actually did use the 'emergency phone' a week or two ago. The BM>> computer I've been working on somehow managed to capture and lock the BM>> telephone line (voice and DSL). No idea how as I hadn't worked on it BM>> in maybe an hour -- spam call came in and we noticed a problem with the BM>> network and phones a half-hour or so later. (Weird!). At first BM>> thought a phone line problem (external to the house) but lasted too BM>> long plus some other indicators which didn't feel right so I BM>> disconnected the house, waited a minute to allow the Central Office to BM>> reset (here the telco won't release/reset the line immediately), then BM>> plugged in the emergency phone - dial tone! Plugged the house back in BM>> -- back to the off-hook/line in use -- off to looking for what the BM>> problem is! NB>> Maybe the spam call somehow didn't disconnect properly.. or somehow NB>> hijacked your phone line...? BM> Possible -- maybe that's how the spammers get the 'real' name and BM> number to come up on Caller ID's ==> the spam call goes through a real BM> number? NB> Could be.... or it might just be a function of doing VoIP NB> calls... Probably the latter. BM> Reminded me one of the things we were periodically reminded BM> not to do was to 'dial 9' if someone called in saying they were from BM> the phone company testing the line. If did that would effectively BM> create conference call but they could dial long distance on our dime. NB> Anybody wanting to test my line needs to be there in person, NB> showing ID... Just a reminder, though, that phone scams are NB> really nothing new at all, just changed a little.... Right, 99% are variations of what have been around for decades. ¯ ® ¯ Barry_Martin_3@ ® ¯ @Q.COM ® ¯ ® .... Definition: Nitrate -- Lower than the day rate. --- MultiMail/Win32 v0.47 þ wcECHO 4.2 ÷ ILink: The Safe BBS þ Bettendorf, IA --- QScan/PCB v1.20a / 01-0462 * Origin: ILink: CFBBS | cfbbs.no-ip.com | 856-933-7096 (454:1/1) .