Subj : Re: nuts was: logs and To : Barry Martin From : Nancy Backus Date : Sat Nov 16 2019 21:45:30 -=> Quoting Barry Martin to Nancy Backus on 09-Nov-2019 17:22 <=- 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. BM> Better to 'waste' a few cents than blow dollars on those insufficient BM> funds fees! Yup. 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 might NB>> bring up as a by-the-way wondering.... But at least it is somewhat NB>> consistent.... if one is getting government direct deposits, they NB>> will go into the bank on the last business day before the holiday or NB>> Sunday... so the same concept... BM> Right. My pension is deposited on the 1st of the month but if that BM> occurs on a weekend I think they advance it to ... nope! They delay BM> it! June 3rd and September 3rd! Probably occurred in January but my BM> notes are indicating 1/1. Hmmmm... Deposits done by persons on days the bank isn't open do tend to be posted as of the next business day, so maybe that does apply to regular businesses.... What I was familiar with was Social Security and welfare direct deposits... both governmental agencies, so maybe there's either an arrangement to post early, or a policy to send early... 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.... :) BM> Right. There might be due to some old banking laws enacted before BM> computers. Possibly. 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 still NB>> might be codes... your cars are young enough to have fairly complex NB>> computers in them.... Probably fine to wait to see if it starts NB>> acting up again, though.... :) BM> And of course my "Check Engine" light turned on halfway through BM> running errands the other day. Locks were fine -- like you said they BM> don't seem to be reported into the Check Engine system. The manual BM> does have a notation a frequent cause of the Check Engine light turning BM> on is a recent fill of the gas tank: cap not put on tightly. AFAIK my BM> cap is on properly but possible the suction isn't correct for the BM> sensors. Will let it go for a while as normally turns off after a BM> while. And then I buy gas and a few trips later..... Sounds like something to have your local mechanic hook up to the diagnostic computer for, just to see what codes might have been generated... ;) 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..... BM> I was just thinking to make the annoyances a little fun! OK, well maybe, then... ;) 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.... :) BM> The good news is it hasn't happened since (the staying off-line). As BM> for the spoofing of the numbers, looked up one local number which has BM> been calling regularly recently: on-line said it belonged to two BM> different people at two different addresses. (!) Interesting... One would wonder if it's two different spammers or if one is the legit owner of the number that is being hi-jacked by a spammer... 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 are NB>> more scams based on trying to scare the recipient into reacting NB>> instead of thinking.... BM> Right. I've not tried to scam people have had had a little fun with BM> them by saying stuff that sounded potentially logical and in a BM> delivery to make it sound real. Old-old example was done by one of the BM> guards where I used to work: the son of one of the assembly line ladies BM> purchased a motorcycle and the guard casually inquired about training BM> wheels while the son was learning to ride. We had her going for a BM> week on that! That is a little different... :) ttyl neb .... It's hard to believe that someday I'll be an ancester. --- EzyBlueWave V3.00 01FB001F * Origin: Tiny's BBS - http://www.tinysbbs.com (454:1/452) .