Lightman wrote to Brian Rogers <=-
At least if I understand the intent.
1 line across. Not worth getting into and I never save any passwords on it nor do I do anything bank related on it. There's people who store their so called life story on their mobile devices - who are ripe for the picking!
MRO wrote to Brian Rogers <=-
you can encrypt it all. the 2fa (combined with turning off some other login options) stopped a guy from getting into my bank account when he learned an exploit with my credit union. i still think that guy was a contractor for their company.
anyways, you probably can encrypt a phone to ask for a password before
it fully reboots. i did that before. ---
Sure, you can encrypt a lot of things in many different ways using various algorithms. My thing for me if I don't log into a bank or financial institution, there's nothing for them to get access to. In a sense, security by obscurity.
all that shit is insured anyways. and most of their insecurity is on their end. you're inconveniencing yourself for nothing
sigh<
MRO wrote to Brian Rogers <=-
all that shit is insured anyways. and most of their insecurity is on their end. you're inconveniencing yourself for nothing. ---
Lightman wrote to MRO <=-
To your point though, it certainly feels all for naught when you see
that - I dunno - say, for example... the social-security database was breached, and the US gov't effectively gave away the unique identifiers for millions...
That reminds me of when Equifax was tapped into.. what a mess that was!
Hello MRO;
MRO wrote to Brian Rogers <=-
all that shit is insured anyways. and most of their insecurity is on their end. you're inconveniencing yourself for nothing. ---
I have no need to login to any financial institution from my phone anyway
so it's not any inconvenience for me at all :) Nothing is 100% fool proof
as it is... ATMs, Gas Pumps, etc.
Europe certainly seems far ahead of the states on this - am I wrong here? Ho are others in this regard?
Lightman wrote to Brian Rogers <=-
Yeah - that was on my mind when I wrote the response, for sure. Not
that I want anyone to suffer, but one of the biggest issues here (imo),
is the lack of [seeming] accountability for this stuff. As the thread intends, [some / many?] consumers go out of their way to protect
privacy, security and their digital footprint, only to have it
countered by such occurences.
Europe certainly seems far ahead of the states on this - am I wrong
here? How are others in this regard?
I totally agree. Besides equifax, there's Yahoo's breach not once but twice! and others... not to mention all those you never hear about too.
MRO wrote to Brian Rogers <=-
well, the 2fa with phones is more secure. and why wouldnt you login to your bank with your phone? i do it all the time? makes it paying off my loans and transfering money really easy.
do you physically go to the bank every time you need to do something? that's horrible. ---
MRO wrote to Brian Rogers <=-
most of them dont talk about being compromised. dropbox was
compromised. myspace was compromised several times.
if you create email aliases with synchronet you will see logins in the email server window with your alias you made up for the various
websites. sometimes you might see them using your password. ---
well, the 2fa with phones is more secure. and why wouldnt you login to your bank with your phone? i do it all the time? makes it paying off my loans and transfering money really easy.
I really have no need to. I'm debt free so no loans to worry about, just standard monthly bills which I have set up with billpay on my business
card that I pay off from the bank electronically monthly before the statement is posted... does wonders for one's credit score!
do you physically go to the bank every time you need to do something? that's horrible. ---
I'm self employed so do for deposits. It also keeps my face fresh with those in the offices there. Never know when you're going to need something from them and it's a great way to network people!
well, the 2fa with phones is more secure. and why
wouldnt you login to your bank with your phone? i do it
all the time? makes it paying off my loans and
transfering money really easy.
I really have no need to. I'm debt free so no loans to
worry about, just standard monthly bills which I have set
up with billpay on my business card that I pay off from
the bank electronically monthly before the statement is
posted... does wonders for one's credit score!
do you physically go to the bank every time you need to
do something? that's horrible. ---
I'm self employed so do for deposits. It also keeps my
face fresh with those in the offices there. Never know
when you're going to need something from them and it's a
great way to network people!
well, good for you but the rest of us dont operate that
way. we pay our bills online and with our phones.
Hello MRO!
** On Saturday 29.05.21 - 23:22, MRO wrote to Brian Rogers:
well, good for you but the rest of us dont operate that
way. we pay our bills online and with our phones.
I'm not part of your "the rest of us" either. ;)
But.. I do use my laptop/pc to pay bills.
well, good for you but the rest of us dont operate that
way. we pay our bills online and with our phones.
I'm not part of your "the rest of us" either. ;)
But.. I do use my laptop/pc to pay bills.
yeah, you're a weirdo too
Ogg wrote to MRO <=-
You're weirdER if you think it makes sense to pay $200-$500 for
a recent phone just so that you can pay banking fees on top of
that. <G>
It's the circumstances that place some people in restricted
situations. I had a banking app that worked just fine on a 2nd
and 4th gen iPod UNTIL the damn bank decided to release an
update on the app. The update is not supported on the devices.
So, the bank is the instigator of weird.
So, the bank is the instigator of weird.
You're weirdER if you think it makes sense to pay $200-$500 for
a recent phone just so that you can pay banking fees on top of
that. <G>
You're weirdER if you think it makes sense to pay
$200-$500 for a recent phone just so that you can pay
banking fees on top of that. <G>
Just FYI... a new (top-of-the-line) iPhone is upwards of
$1200.
Ogg wrote to MRO <=-
You're weirdER if you think it makes sense to pay $200-$500 for
a recent phone just so that you can pay banking fees on top of
that. <G>
Just FYI... a new (top-of-the-line) iPhone is upwards of $1200.
Ogg wrote to Gamgee <=-
You're weirdER if you think it makes sense to pay
$200-$500 for a recent phone just so that you can pay
banking fees on top of that. <G>
Just FYI... a new (top-of-the-line) iPhone is upwards of
$1200.
Whao! That makes it even weirder. Well.. anything in the
hundreds is ridiculous just to be bank-friendly.
Since the year around this time, the Bank of Montreal garnished
about 1.8B$ in fees alone - and we're expected to dish out more
out of our pockets to just because their apps can't leave well
enough alone? No thanks.
Dumas Walker wrote to GAMGEE <=-
You're weirdER if you think it makes sense to pay $200-$500 for
a recent phone just so that you can pay banking fees on top of
that. <G>
Just FYI... a new (top-of-the-line) iPhone is upwards of $1200.
I've had at least two cars that I have paid less than that for.
:O
MRO wrote to Brian Rogers <=-
well, good for you but the rest of us dont operate that way.
we pay our bills online and with our phones.
Ogg wrote to Brian Rogers <=-
Debt-free. Sweet. I just got approved to increase my debt
ceiling by another $1500 to $27,500 one of the cards.
Is "billpay" one of those pre-arranged things where you allow
the biller to withdraw from your account?
Self-employed too. During this covid sh*t, most of the sales
are via POS. That goes direct into the bank.
But, I'm totally p*ssed off at that banks. They only allow
people in by appointment only. No, when it comes to my mind to
visit the bank, THAT's when I want to visit the bank. I do want
the bank to tell ME when they would have me.
Consequently, I've been hoarding my (paper) cash. Seems to be
handy when I need to pay for food or something personal.
Everything else can go on credit card.
As for face-fresh.. well, you must be gregarious. Not me. The
fewer people I have to face (especially those who work in the
banking industry) ..the better. I have made a conscious note
to charge extra fees for anyone who works at the bank! ;)
I didn't say PAY, I was talking about ADDING money to my account from checks or cash collected by paying clients. I don't know of a single bank that gives you physical paper currency from a phone direct into your hand OR allow you to deposit paper currency into an account. Just doesn't happen. :)
Ogg wrote to Gamgee <=-
You're weirdER if you think it makes sense to pay
$200-$500 for a recent phone just so that you can pay
banking fees on top of that. <G>
Just FYI... a new (top-of-the-line) iPhone is upwards of
$1200.
Whao! That makes it even weirder. Well.. anything in the
hundreds is ridiculous just to be bank-friendly.
As far as I know, newer phones are not any more "bank-friendly" than any other (older) phone. Not even sure what that's supposed to mean. Also
have never heard of extra banking fees just because you used a mobile
device to access the bank.
Since the year around this time, the Bank of Montreal garnished
about 1.8B$ in fees alone - and we're expected to dish out more
out of our pockets to just because their apps can't leave well
enough alone? No thanks.
Sorry, but I'm just not following on this. I don't pay any fees for accessing my bank with their mobile app on a phone.
... All hope abandon, ye who enter messages here.
Whao! That makes it even weirder. Well.. anything in the
hundreds is ridiculous just to be bank-friendly.
As far as I know, newer phones are not any more "bank-
friendly" than any other (older) phone. Not even sure what
that's supposed to mean. Also have never heard of extra
banking fees just because you used a mobile device to
access the bank.
Since the year around this time, the Bank of Montreal
garnished about 1.8B$ in fees alone - and we're expected
to dish out more out of our pockets to just because their
apps can't leave well enough alone? No thanks.
Sorry, but I'm just not following on this. I don't pay any
fees for accessing my bank with their mobile app on a
phone.
You're weirdER if you think it makes sense to pay $200-$500
for a recent phone just so that you can pay banking fees on
top of that. <G>
i do everything with my phone. i dont get any extra banking
fees by using my phone with my banks. -+-
Ogg wrote to Gamgee <=-
Whao! That makes it even weirder. Well.. anything in the
hundreds is ridiculous just to be bank-friendly.
As far as I know, newer phones are not any more "bank-
friendly" than any other (older) phone. Not even sure what
that's supposed to mean. Also have never heard of extra
banking fees just because you used a mobile device to
access the bank.
By bank-friendly, I meant compatible with the bank's issued
version of their app.
By "extra banking fees", I meant that sarcastically (while I
was rolling my eyes) that buying a new phone *just* to be able
to succeed with running the bank's app is a high price to pay.
Since the year around this time, the Bank of Montreal
garnished about 1.8B$ in fees alone - and we're expected
to dish out more out of our pockets to just because their
apps can't leave well enough alone? No thanks.
Sorry, but I'm just not following on this. I don't pay any
fees for accessing my bank with their mobile app on a
phone.
The fees that are part of the 1.8B$ figure are probably the
standard monthly fees for any particular account, and
transactions for moving money out to another bank or another
account or whatever.
MRO wrote to Brian Rogers <=-
i can take a photo of a check on both sides and have it deposited via
my phone. ---
i do everything with my phone. i dont get any extra banking
fees by using my phone with my banks. -+-
My remark was sarcastic while I was rolling my eyes. If I were
to get a new phone now, I'd consider that a pretty high price
to pay just to be able to install a bank app.
Hello MRO;
MRO wrote to Brian Rogers <=-
i can take a photo of a check on both sides and have it deposited via my phone. ---
I would -never- ever allow myself to become a prisioner of technology as such. When we do, we've stopped being human. Machines have surpassed us.
MRO wrote to Brian Rogers <=-
prisoner? last time i tried to go deposit a fucking check i was a
prisoner in the drive thru for 30 mins.
go live out in the woods and live with the unabomber if you hate technology. right now you're using technology in many forms just
replying to me. ---
Hey MRO;
MRO wrote to Brian Rogers <=-
prisoner? last time i tried to go deposit a fucking check i was a prisoner in the drive thru for 30 mins.
How do you deposit cash? I can do without a phone as I have all week.
Sounds as if you can not.
I never said I hated it, I just said I refused to be a prisioner of it.
At the moment I am in the woods where cable service is still fairly
new here.
MRO wrote to Brian Rogers <=-
direct deposit or the ways i've said
saying it makes people prisoners is a pretty strong statement. just because i'm connected to the internet on the phone, that does not make
me a prisoner. fucking having to go to the bank and stand in line
sounds like you are a prisoner to the old ways of doing things.
MRO wrote to Brian Rogers <=-
direct deposit or the ways i've said
So you have 5-100 dollar bills and want to deposit that $500 into the bank, you do it via direct deposit? Fascinating *raises a vulcan eyebrow*
I just finished 2.5 days in the woods with no phone, no cell service
and I was happy as a clam. No intrusive messages, just peace and quiet... and plenty of nature. If I didn't have work to do around the house I would have stayed longer.
What do you do when your ISP has a major outage? It's sad, most people I know can't live without their smartphones... and that's very discouraging. Having
to go to the bank isn't just about whatever transaction(s) you may have, it's also about -networking people-. When an issue does unfortunately appear it makes a huge difference between getting "average" customer service
vs getting "preferred" customer service. It's the human factor that fixes issues when
they appear... I've never seen any app that can do this for you.
MRO wrote to Brian Rogers <=-
i dont carry cash on my person that much. when my employer or someone else pays me it's via direct deposit or google pay. if i get a check
in the mail i can deposit it with my phone.
that sounds boring as fuck. i used to camp all the time as a kid. i
hated it. i have peace and quiet no matter where i am at.
dude, why the fuck do you want to go and associate with people at the bank. is that your only form of human interaction? leave those poor
people alone. they have a job to do.
i send a msg on my app and someone fixes the problem.
i think you need to look at yourself and ask yourself why you feel like you're being assaulted by technology. ---
Brian Rogers wrote to MRO <=-
I just finished 2.5 days in the woods with no phone, no cell service
and I was happy as a clam. No intrusive messages, just peace and
quiet... and plenty of nature. If I didn't have work to do around the house I would have stayed longer.
Brian Rogers wrote to MRO <=-
I just finished 2.5 days in the woods with no phone, no cell service and I was happy as a clam. No intrusive messages, just peace and quiet... and plenty of nature. If I didn't have work to do around the house I would have
stayed longer.
We've been fighting the urge to get internet at my family's cabin. We have no cell phone service and a land line, it's nice being out of touch for the trivial things but
having a number that can be given out for emergencies.
... Apotheosis was the beginning before the beginning.
Brian Rogers wrote to MRO <=-
I just finished 2.5 days in the woods with no phone, no cell service and I was happy as a clam. No intrusive messages, just peace and quiet... and plenty of nature. If I didn't have work to do around the house I would have stayed longer.
We've been fighting the urge to get internet at my family's cabin. We have no cell phone service and a land line, it's nice being out of touch for the trivial things but having a number that can be given out for emergencies.
i dont carry cash on my person that much. when my employer or someone else pays me it's via direct deposit or google pay. if i get a check in the mail i can deposit it with my phone.LOL I don't feel assaulted by technology, obviously I use it daily and as an I.T. outsourced tech it's my primary tool(s) to use... but I'm also not glued to it either. How long do you think you could go without your phone?
LOL I don't feel assaulted by technology, obviously I use it daily and as an I.T. outsourced tech it's my primary tool(s) to use... but I'm also not glued to it either. How long do you think you could go without your phone?
I could have all of mine shut off and never miss them which may even happen come year end when 4G dialing is turned off.
Brian Rogers wrote to MRO <=-
I just finished 2.5 days in the woods with no phone, no cell service and I was happy as a clam. No intrusive messages, just peace and quiet... and plenty of nature. If I didn't have work to do around the house I would have stayed longer.
We've been fighting the urge to get internet at my family's cabin. We have no cell phone service and a land line, it's nice being out of touch for the trivial things but having a number that can be given out for emergencies.
The number that can be given out for emergencies will soon be found by people of Hindi accent, who will proceed to call you with amazing offers you can't give a pass, day and night, every day of the year.
Just thought I'd mention it, because even numbers you don't give away seem to be used as spam dumpsters every day.
dude, why the fuck do you want to go and associate with people at the bank. is that your only form of human interaction? leave those poor people alone. they have a job to do.
That's not my only form of human interaction, but it's a small town bank
and they actually enjoy seeing me. I try to have something funny to say
and they often have let me skip in line when I go in. Whenever I've needed something I get the red carpet treatment. Again networking people goes a LONG way.
poindexter FORTRAN wrote to Brian Rogers <=-
We've been fighting the urge to get internet at my family's cabin. We
have no cell phone service and a land line, it's nice being out of
touch for the trivial things but having a number that can be given out
for emergencies.
MRO wrote to Brian Rogers <=-
you are an it outsourced tech and most of your clients pay you in cash? that sounds like bullshit.
I always have my phone on me incase of emergencies or phonecalls/txts/emails i need to take.
it's strange that you think people that use cellphones are prisoners
and glued to them.
massive queues snaking to the door of the branch. I've since moved to internet banking via mobile phone app and it's a massive time saver. Banks are making an effort to move customers onto the internet so that they can shut down branches and reduce overheads. The infrastructure is there so once the majority of customers are doing their business online, the rest will have no choice but to follow them.
maybe you are forgetting what you are saying but you've used bothit's strange that you think people that use cellphones are prisoners and glued to them.
I never said that either, however I do see a LOT of folks nose deep in
their
phones almost constantly refreshing their deFacingBook feeds because they
Zouf wrote to Brian Rogers <=-
Both of you are right as there is a distinct difference between the
level of customer service you will receive in a small town when
compared to a large town on a city. I've spent time in both and, as we
all know, there is zero community spirit in densely populated areas. I used to bank in a town with a populaion of 10K and most of the staff
knew me by name... when I later moved into the city and attended the branch, the staff would rotate a lot more, most wouldn't be able to remember me and they all seemed so busy with massive queues snaking to
the door of the branch.
I've since moved to internet banking via mobile
phone app and it's a massive time saver. Banks are making an effort to move customers onto the internet so that they can shut down branches
and reduce overheads. The infrastructure is there so once the majority
of customers are doing their business online, the rest will have no
choice but to follow them.
MRO wrote to Brian Rogers <=-
it's strange that you think people that use cellphones are prisoners and glued to them.
I never said that either, however I do see a LOT of folks nose deep in
their
phones almost constantly refreshing their deFacingBook feeds because they
maybe you are forgetting what you are saying but you've used both
terms.
it's strange that you think people that use cellphones are prisoners and glued to them.
I never said that either, however I do see a LOT of folks nose deep in
their
phones almost constantly refreshing their deFacingBook feeds because they
maybe you are forgetting what you are saying but you've used both terms.
I said I refuse to be a prisoner to technology. Not once have I said people who use cellphones are prisoners. Please stop misquoting me. Also I have not
Please stop misquoting me. Also I have not
once cussed... you have on many occasions. Is echomail that critical a part of life that you're that sensative about it?.. just inquiring <G>
Arelor wrote to poindexter FORTRAN <=-
The number that can be given out for emergencies will soon be found by people of Hindi accent, who will proceed to call you with amazing
offers you can't give a pass, day and night, every day of the year.
Brian Rogers wrote to poindexter FORTRAN <=-
That's quite understandable especially if you encounter a bear like I
did last week! Fortunately it just kept on going, but it could have amounted to a dire emergency. Wifi dialing is what you'd most likely
want.
especially with the covid times, they have learned that they can do the same
anything important was done by appointment and it was a skeleton crew.
Hello Zouf;
Zouf wrote to Brian Rogers <=-
Both of you are right as there is a distinct difference between the level of customer service you will receive in a small town when compared to a large town on a city. I've spent time in both and, as we all know, there is zero community spirit in densely populated areas. I used to bank in a town with a populaion of 10K and most of the staff knew me by name... when I later moved into the city and attended the branch, the staff would rotate a lot more, most wouldn't be able to remember me and they all seemed so busy with massive queues snaking to the door of the branch.
I'm too old and in poor health for city life. Old fashioned New England town communities suits me fine for the remainder of my years. Perhaps retiring
up north where push button phone service and caller ID is still considered fairly new will suit me fine.
I've since moved to internet banking via mobile
phone app and it's a massive time saver. Banks are making an effort to move customers onto the internet so that they can shut down branches and reduce overheads. The infrastructure is there so once the majority of customers are doing their business online, the rest will have no choice but to follow them.
Not just banks but because of the pandemic all companies are figured out tha having physical offices aren't necessarily a requirement to get things done. Those on the dark web are loving it as more banks migrate to online banking. The biggest issue is that laws here vary state to state and you may not have the protection you think you should have. Remember when ATMs first came out? There were NO FEES because you were helping the bank save labor costs. Talk about a line of crap. ATMs generate thousands in fees a month. Now you don't get massive transaction fees per transaction at the teller. Makes the line waiting worth while.
... A farmer with lots of chickens posted "Free Chickens. Our Coop Runneth Over.
MRO wrote to Brian Rogers <=-
I said I refuse to be a prisoner to technology. Not once have I said people who use cellphones are prisoners. Please stop misquoting me. Also I have not
same deal. you are referring to them as the technology you don't like.
i fucking swear all the time, if you dont like it just filter me,
country boy. i'm about to filter you will all your doubletalk bullshit anyways. you're so full of shit your eyes are brown. ---
poindexter FORTRAN wrote to Brian Rogers <=-
There's a bear call tree around there. One of our neighbors, a year rounder, has all of the neighbor's numbers. We've gotten more than one early morning phone call advising us not to go in the back yard,
because there's a bear sniffing around.
There are no fences, a creek as a border, and we're backed up against a
5 square mile patch of national forest. Lots of wild life.
Zouf wrote to Brian Rogers <=-
I respect that you're fighting all the change that's happening by being stubborn and sticking to your old ways. The world is rapidly changing though and we really are powerless in stopping it. This reminds me of a quote by Vladamir Lenin - "There are decades where nothing happens; and there are weeks where decades happen."
I do hope you'll be able to live out the rest of your life without too much upheaval but unlike you, I am in my mid-30's, so I have to accept
the changes and just go along to get along.
Arelor wrote to poindexter FORTRAN <=-
The number that can be given out for emergencies will soon be found by people of Hindi accent, who will proceed to call you with amazing
offers you can't give a pass, day and night, every day of the year.
Re: Re: Banking
By: MRO to Zouf on Sun Jun 06 2021 06:35 pm
especially with the covid times, they have learned that they can do the same
anything important was done by appointment and it was a skeleton crew.
The higher ups clearly see the having branches dotted all over place is very expensive and are now looking to cut costs by consolidating the service over the internet. It will be a slow process but I have noticed already in my area that 4 out of 5 branches of my bank have shut down and I have to travel to one of the larger towns to do any face to face business. I expect that branch will be shut down too in the next 5 years forcing customers to go to the main branch in the city or accept that online banking is the future.
Hello MRO;
MRO wrote to Brian Rogers <=-
I said I refuse to be a prisoner to technology. Not once have I said people who use cellphones are prisoners. Please stop misquoting me. Also I have not
same deal. you are referring to them as the technology you don't like.
I also never said I didn't "like" it, but at least it's YOU categorizing my words as one meaning not as how I write them.
Please filter me! My eyes are blue btw... and I live in the suburbs if you must know.
Brian Rogers wrote to Arelor <=-
Others, my asterisk server has a 'hold from hell' I forward them to
right after I tell them to please hold I have someone at the door. I've seen some stay on hold for over 30 minutes!
Hopefully, you have a pitch-bent, distorted music on hold track informing them that their call is very important to you and thay calls may be recorded for quality assurance.
I respect that you're fighting all the change that's happening by being stubborn and sticking to your old ways. The world is rapidly changing though and we really are powerless in stopping it. This reminds me of a quote by Vladamir Lenin - "There are decades where nothing happens; and there are wee where decades happen."
I do hope you'll be able to live out the rest of your life without too much upheaval but unlike you, I am in my mid-30's, so I have to accept the change and just go along to get along.
Re: Re: Banking
By: Zouf to MRO on Tue Jun 08 2021 06:12 pm
Re: Re: Banking
By: MRO to Zouf on Sun Jun 06 2021 06:35 pm
especially with the covid times, they have learned that they can do th same
anything important was done by appointment and it was a skeleton crew.
The higher ups clearly see the having branches dotted all over place is v expensive and are now looking to cut costs by consolidating the service o the internet. It will be a slow process but I have noticed already in my area that 4 out of 5 branches of my bank have shut down and I have to tra to one of the larger towns to do any face to face business. I expect that branch will be shut down too in the next 5 years forcing customers to go the main branch in the city or accept that online banking is the future.
i think that for the most part, having all those bodies in there is a waste time and money. what i've seen is a lot of workers just chatting amongst themselves. i rarely see hard workers in banking getting the people service
poindexter FORTRAN wrote to Brian Rogers <=-
Hopefully, you have a pitch-bent, distorted music on hold track
informing them that their call is very important to you and thay calls
may be recorded for quality assurance.
Quoting Zouf to Brian Rogers <=-
I do hope you'll be able to live out the rest of your life without too much upheaval but unlike you, I am in my mid-30's, so I have to accept
the changes and just go along to get along.
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