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From: Anonymous on 5 May 2008 14:41 In article <o1ku14dqqkshaa5noklv3bi69l6ibp7nrr(a)4ax.com>, Howard Brazee <howard(a)brazee.net> wrote: >On Mon, 5 May 2008 12:04:50 -0500, "tlmfru" <lacey(a)mts.net> wrote: > >>I'll tell you why I stick to paper wherever I can - which mostly means >>cheques - the banks take enormous profits from "service charges" for any >>conceivable transaction, and pay truly derisory interest; since I must deal >>with banks I'm going to make them work for the service charge they get from >>me. > >Tiny amounts of interest beat no interest at all - if I benefit, why >should I cut off my nose to spite the banker's face? Diminishing returns, Mr Brazee... were one to spend ($2n)-worth of time/money in order to realise $(n) benefit (where n is a positive number) then, in the words of economists, 'it just ain't worth it'. On the other hand... for some folks the principle of not-spending money is, I've been told, not a matter of money but a matter of principle... the principle being, of course, 'unless you have to, don't spend any money'... which, of course, makes the principle a matter of money... so, perhaps, more a matter of principal... I'll stop, now, at least temporarily. DD k
From: Arnold Trembley on 6 May 2008 01:21
docdwarf(a)panix.com wrote: > In article <Z8HTj.112091$Ft5.54731(a)newsfe15.lga>, tlmfru <lacey(a)mts.net> wrote: > > [snip] > >> My credit cards can be hacked without my knowledge; whereas money can't be >> stolen from me without my knowing. > > If a credit card is used without your consent you are (in the USA) liable > for a maximum of US$50; I believe that Mr Trembley can give the Insider's > View on this. > > Cash is cash... so if you carry more than US$50 you stand to lose more > were you to lose the cash (by overt theft ('This is a gun, give me your > money') or covert theft (pick-pocket) or accident ('I must have left my > wallet on the table.'). > > DD > Well, I don't claim to be an expert just because I work for a credit card company. I've been fortunate enough never to have had one of my credit cards lost or stolen in the last 35 years. But my understanding is that as long as you promptly report your major credit card as missing, for whatever reason, you cannot be liable for more than $50, and most banks will not require you to pay anything. I may be old-school, but I prefer not to use a debit card, at least not one that can reach into my checking account. I have used ATM cards and pre-paid debit cards (sometimes called stored-value cards). -- http://arnold.trembley.home.att.net/ |