Subj : Re: nuts was: logs and To : Barry Martin From : Nancy Backus Date : Thu Nov 07 2019 18:34:54 -=> Quoting Barry Martin to Nancy Backus on 31-Oct-2019 12:39 <=- 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 isn't NB>> much really... and nothing in comparison with the hefty late fees that NB>> credit cards tend to impose for not making the deadline.... :) I NB>> generally move money over from the savings to the checking when it's NB>> time to write the checks or to call the payments in.... BM> Smart move. And yes, there is a significant difference in the BM> potential interest/dividend gained vs. the massive late fee. And I BM> would probably move the money between accounts when writing the BM> checks, just to be certain the process is done in time and you don't BM> forget about doing the move. Exactly. 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 maybe NB>> that's because the bank itself doesn't want payments to go out when it NB>> is closed.... BM> Possibly. One of those "yeah, whatever" things. I'm not going to BM> change it and so not worth bellyaching about it to them. If I were doing online payments, it's the sort of thing that I might bring up as a by-the-way wondering.... But at least it is somewhat consistent.... if one is getting government direct deposits, they will go into the bank on the last business day before the holiday or Sunday... so the same concept... 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 check NB>> type.... ;) When time is really tight, I make the payment by phone... BM> I'm thinking the on-line payment goes through a computer too: it knows BM> how to process those TouchTone beeps! But it's still all in how the computer was programmed to receive and process the payments.... :) 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... BM> I was going to take it in to be checked but then it behaved normally; BM> hard to troubleshoot when nothing's wrong! The 'check engine' hasn't BM> been on so probably no codes. Check Engine is mainly emissions sort of stuff, anyway... there still might be codes... your cars are young enough to have fairly complex computers in them.... Probably fine to wait to see if it starts acting up again, though.... :) 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... BM> If the spammers had a sense of humour they could play to BM> that! "Casper Ghost", "Chuckie"; Thanksgiving could have "Tom BM> Turkey", something for 'Pilgrim'...... Let's not give them any ideas..... 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 calls... BM> Probably the latter. That would actually be my guess.... :) 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, showing NB>> ID... Just a reminder, though, that phone scams are really NB>> nothing new at all, just changed a little.... BM> Right, 99% are variations of what have been around for decades. Just, sometimes, with a new twist.... ;) And it seems that there are more scams based on trying to scare the recipient into reacting instead of thinking.... ttyl neb .... And he disappeared in a puff of logic. --- EzyBlueWave V3.00 01FB001F * Origin: Tiny's BBS - http://www.tinysbbs.com (454:1/452) .