Petty Vents

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A few days ago I got one of those phone calls where the guy says he is my grandson. He did kind of sounded like him with a cold. He asked if I could keep a secrete. I got on alert. I said, what is your first name and he said, come on grandma you know my name, I kept asking him and he had no answer. So I said what is my first name and he kept saying, come on grandma, you know this is your favorite oldest grandson and I said you sound awful old for 11 (my oldest grandson is 32). And he hung up. I have often heard of these phone calls but I never thought I would get one. I guess they say they are in trouble and ask you to send them some money.

I would love to play with one of those phone calls. I'm such a brat on the phone.:LOL:
 
Please excuse my rant. I am so angry now, I could spit. I just spent all afternoon trying to get a flight out to go to a niece's graduation near Las Vegas. The blankety blank website booted me off 20 times after I put in all the info. 5 of those times I was able to put in my credit card info, then the little pop-up would come up stating, "Oops, something went wrong. Please start over." I had to reenter our dates, seats, personal info, watching the outrageous overcharging (for a window seat, aisle seat, and one checked bag, everything is extra, including carryons). And DH insisted that we coordinate with the other members of his side of the family, which meant spending an extra $700. If we could have gone out and come back on different days, it would have been much cheaper. But no, that would not be possible. I told not-so-DH that he gets to book everything next time. :mad: :mad:

Sorry, Dawg!!! It is such a pain to try to do that kind of thing. Turns out it was the cable company that was causing my woes with sites going dark when I got all my information in.
 
Sorry, Dawg!!! It is such a pain to try to do that kind of thing. Turns out it was the cable company that was causing my woes with sites going dark when I got all my information in.

Thanks PF! We use Verizon for everything. I have one shred of hair left! I'll braid it, should look great. I have no idea what was going wrong, tried to book it from everything that would book a flight, iPad, phone, PC. And Not-So-DH was Monday Morning Quarterbacking. Next time, he books it. But then we'll have no walls or windows,
 
On all fours was what I was thinking. :angel:

Those wrong dang keys jumped under my fingers again!

I can almost run down stairs backwards just fine. But in my right leg where I have the graft, there is a very big hole under that graft where there is no tissue. Before they put the graft in, you could look into the front part of my leg and see the back. That leg is forever going to be my weak leg. So when I go up stairs, my left leg has to do all the work. Completely support me and lift me up at the same time. Those stairs are equal to two full flights. More than 30 steps from top to bottom.

Before the surgery, I was in a wheelchair for just over a year. As a result, my 'good' leg became very weak and I have never regained full strength back into it. And according to my doctors, I won't. There is damage there also from the diabetes. So if I should come to visit any of you, your neighbors will get a sight! I am going to be going up your front steps on all fours. Almost falling down that flight of stairs really scared me. :angel:
 
I would love to play with one of those phone calls. I'm such a brat on the phone.:LOL:

Me too. I just love to jerk them around. One time I got a call from an investment firm. They wanted to help me plan my retirement and handle my investments for me. I had that lady going and making all plans for me. Then when she started to ask for more detailed info as to where my funds were presently, I told her the courts had control of them because they found me guilty of mail fraud and a few other charges related to RICOH. All of a sudden I hear a very loud "CLICK!" Hey it kept me entertained for about 15 minutes. :angel:
 
You were very smart, Joann, to ask for names. So many people get taken in by these scams. I would tell them that if they were really a family member they would know not to call ME for money, because they all know I don't have any!
 
CarolPa----- a lot of people feel the way you do about online banking. And yes, it could get snagged sometime by a clever hacker.

But what about the wait staff at a restaurant that takes your credit card and goes out of sight with that card and it's numbers? (grin)


We never pay by credit card at a restaurant. I realize that anyone who has access to your credit card number could steal you identity if they were able to get the rest of the required information about you. But your bank account is not protected the same way as credit cards are. If someone uses your credit card number to make purchases, in most cases, you are not responsible. But if someone gets your bank info and wipes out your account you are SOL. At least that's what I've heard. We use our ATM card at the machine, mostly just at our bank. We never use it as a debit card to pay for things. We're very old fashioned about things like that.
 
You were very smart, Joann, to ask for names. So many people get taken in by these scams. I would tell them that if they were really a family member they would know not to call ME for money, because they all know I don't have any!

I had another call were the man said he was from MSN and wanted to "talk to the person who used the computer". His accent was so bad I could hardly understand him. I told him that I was recording the phone call and he hung up. Later that week there was an article in our newspaper that it was some sort of scam.
 
We never pay by credit card at a restaurant. I realize that anyone who has access to your credit card number could steal you identity if they were able to get the rest of the required information about you. But your bank account is not protected the same way as credit cards are. If someone uses your credit card number to make purchases, in most cases, you are not responsible. But if someone gets your bank info and wipes out your account you are SOL. At least that's what I've heard. We use our ATM card at the machine, mostly just at our bank. We never use it as a debit card to pay for things. We're very old fashioned about things like that.

Yes and no, banks will often give you the money back in the bank account if your debit card is compromised, but it could take a bit. If you are a long standing customer with good credit, they will often put the money back immediately while investigating, like floating you a loan. If you are a new customer with shaky credit, you may have to wait with no money while they investigate.

Credit cards are safest after cash. Even if they steal your card number in a restaurant, there isn't anything on that card that can compromise your identity. That's why after this whole Target ordeal, I wasn't worried about identity theft. What happened there is that they had personal information on people who signed up for their Red Card and they didn't secure it properly, which was a problem.

Cash is safe, but often I'm not going to carry a bunch of cash. When traveling, especially out of the country, I use a credit card wherever I can, and have a bit of cash when I can't. NEVER DEBIT. You are smart to limit your use of debit.
 
Yes and no, banks will often give you the money back in the bank account if your debit card is compromised, but it could take a bit. If you are a long standing customer with good credit, they will often put the money back immediately while investigating, like floating you a loan. If you are a new customer with shaky credit, you may have to wait with no money while they investigate.

Credit cards are safest after cash. Even if they steal your card number in a restaurant, there isn't anything on that card that can compromise your identity. That's why after this whole Target ordeal, I wasn't worried about identity theft. What happened there is that they had personal information on people who signed up for their Red Card and they didn't secure it properly, which was a problem.

Cash is safe, but often I'm not going to carry a bunch of cash. When traveling, especially out of the country, I use a credit card wherever I can, and have a bit of cash when I can't. NEVER DEBIT. You are smart to limit your use of debit.

I think bakechef is correct but everyone should do it their way or people will blame ME or bakechef if something bad happens. :LOL:

Once someone 'stole' my credit card info from my cell phone account and bought stuff but my credit card picked it up IMMEDIATELY and I got the money back in a few hours. The credit card picked that up even before I checked my account the next day.

I have a friend who still will not have mail delivered to his mail box at rural home because once someone stole his mail. He's used a P.O. box like---- forever----- and has to go to the post office to pick up his mail. He's happy doing that.
 
Last summer I went to help some friends who had locked their keys in their car. I was sitting at a stop sign, at the end of m road, waiting for traffic to clear, when a car zipped past on the lane closest to me. It threw a small stone that hit, and chipped my windshield. I took the car into an auto-glass repair shop, and they put their special glue in it. They said that it would keep the glass from cracking further.

Today, as I was driving along in a -5 degree F. morning, I heard a cracking noise. DW was sitting in the passenger seat and said; "What was that?" We both then noticed that the little chip had suddenly become a crack that spanned the width of the windshield. I guess I'm gonna have to got to my insurance agent on Monday. I heard on the radio that this winter has been the coldest since 1979. I'm getting tired of this subzero cold that has been with us for 2 months now. And I'm certainly not happy about my windshield.:angry:

Seeeeeeya; Chief Longwind of the North
 
I get email alerts for any activity over $100 on both my checking account and CC. I can set any dollar amounts for the alerts. I use cash most of the time.
I don't have a debit card as someone can wipe out your entire account in a single transaction.
I also like online banking as it is fast and convenient, I rarely have to visit the bank or use the phone. Same goes for managing non-banking accounts, such as retirement and brokerage.
 
Chief, had you turned on the defroster a little while previous to the cracking noise?

Yes I did. And when the crack happened, what you are thinking is exactly what I was thinking, even though I'd turned on the defroster many times previously, on very cold days.

and about that being flagged for activity greater than $100, I've recently heard on NPR radio that identity thieves are charging small items, no more than $8 plus change, hoping that the smaller amounts won't be noticed. So it's becoming more difficult to track credit card fraud. Just saying...

Seeeeeya; Chief Longwind of the North
 
I've recently heard on NPR radio that identity thieves are charging small items, no more than $8 plus change, hoping that the smaller amounts won't be noticed. Seeeeeya; Chief Longwind of the North

When my credit card fraud was discovered it WAS for a small amount. But my card company also checks for 'unusual' items. time of purchase etc.

The numbnuts that used my card bought small stuff at around 3 A.M. I have never charged anything at that time. :ohmy:

I also think that if I started buying porn videos my card company would be alerted. :LOL:
 
and about that being flagged for activity greater than $100, I've recently heard on NPR radio that identity thieves are charging small items, no more than $8 plus change, hoping that the smaller amounts won't be noticed. So it's becoming more difficult to track credit card fraud. Just saying...

This is true that smaller, petty amounts go unnoticed on CC's. But in my case, if I see multiple under-$10 transactions, my CC provider will see that they do not fit my purchase profile at all as I never charge anything under, say, $25 on my CC.

I think that people who use their CC for every purchase they make, no matter how small, are more prone to these frauds which can slip by them...
 
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