Subj : nuts was: logs and To : Nancy Backus From : Barry Martin Date : Sat Nov 09 2019 17:22:00 Hi Nancy! 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. NB> Exactly. Better to 'waste' a few cents than blow dollars on those insufficient funds fees! 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. NB> If I were doing online payments, it's the sort of thing that I NB> might bring up as a by-the-way wondering.... But at least it is NB> somewhat consistent.... if one is getting government direct NB> deposits, they will go into the bank on the last business day NB> before the holiday or Sunday... so the same concept... Right. My pension is deposited on the 1st of the month but if that occurs on a weekend I think they advance it to ... nope! They delay it! June 3rd and September 3rd! Probably occurred in January but my notes are indicating 1/1. 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! NB> But it's still all in how the computer was programmed to receive NB> and process the payments.... :) Right. There might be due to some old banking laws enacted before computers. 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. NB> Check Engine is mainly emissions sort of stuff, anyway... there NB> still might be codes... your cars are young enough to have fairly NB> complex computers in them.... Probably fine to wait to see if it NB> starts acting up again, though.... :) And of course my "Check Engine" light turned on halfway through running errands the other day. Locks were fine -- like you said they don't seem to be reported into the Check Engine system. The manual does have a notation a frequent cause of the Check Engine light turning on is a recent fill of the gas tank: cap not put on tightly. AFAIK my cap is on properly but possible the suction isn't correct for the sensors. Will let it go for a while as normally turns off after a while. And then I buy gas and a few trips later..... 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'...... NB> Let's not give them any ideas..... I was just thinking to make the annoyances a little fun! 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. NB> That would actually be my guess.... :) The good news is it hasn't happened since (the staying off-line). As for the spoofing of the numbers, looked up one local number which has been calling regularly recently: on-line said it belonged to two different people at two different addresses. (!) 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. NB> Just, sometimes, with a new twist.... ;) And it seems that there NB> are more scams based on trying to scare the recipient into NB> reacting instead of thinking.... Right. I've not tried to scam people have had had a little fun with them by saying stuff that sounded potentially logical and in a delivery to make it sound real. Old-old example was done by one of the guards where I used to work: the son of one of the assembly line ladies purchased a motorcycle and the guard casually inquired about training wheels while the son was learning to ride. We had her going for a week on that! ¯ ® ¯ Barry_Martin_3@ ® ¯ @Q.COM ® ¯ ® .... Harlez-vous francais? 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