Page 10 of 29 FirstFirst 1234567891011121314151617181920 ... LastLast
Results 181 to 200 of 571

Thread: Gear Grinding 9: I Need a Wine!

  1. #181
    Armed bigblue_dl's Avatar
    Join Date
    Feb 2004
    Location
    God's Country
    Posts
    32,928

    Re: Gear Grinding 9: I Need a Wine!

    Quote Originally Posted by Brenthoven View Post
    Well, duh. But you have given them access to your bank account, and that does open the door for possible problems.
    You don't understand how billpay works, do you? You don't give anyone any kind of access to your account if you use billpay...the company you're paying doesn't take money from your account, you send it to them, on the date you select. It just gets sent electronically, instead of via a check. Much more secure.
    Last edited by bigblue_dl; 09-13-2018 at 10:11 AM.
    Having a clear conscience just means you have a bad memory or you had a boring weekend.

    RIP - Kirby

  2. #182
    Veteran
    Join Date
    Jul 1999
    Location
    milwaukee
    Posts
    13,431

    Re: Gear Grinding 9: I Need a Wine!

    Quote Originally Posted by Brenthoven View Post
    Well, duh. But you have given them access to your bank account, and that does open the door for possible problems.
    You can also have your mail stolen when you send a check, or someone could forge your signature on a check. Probably same percentage likelihood. And you know your banking account information is on your check, right? So anyone that sees one of your checks has your routing number and account number, and your name and address as well.

  3. #183
    Lucia Apologist
    Join Date
    Mar 2007
    Location
    Minnesota
    Posts
    29,585

    Re: Gear Grinding 9: I Need a Wine!

    Quote Originally Posted by bigblue_dl View Post
    You don't understand how billpay works, do you? You don't give anyone any kind of access to your account if you use billpay...the company you're paying doesn't take money from your account, you send it to them, on the date you select. It just gets sent electronically, instead of via a check. Much more secure.
    I don't have that. I just have them pull money out. You send a cancelled check and they can do an ACH transfer out. Xcel does it, my garbage company does it, and GDO does it for utilities. There might be one or two other ones.
    Code:
    As of 9/21/10:         As of 9/13/10:
    College Hockey 6       College Football 0
    BTHC 4                 WCHA FC:  1
    Quote Originally Posted by SanTropez View Post
    May your paint thinner run dry and the fleas of a thousand camels infest your dead deer.
    Quote Originally Posted by bigblue_dl View Post
    I don't even know how to classify magic vagina smoke babies..
    Quote Originally Posted by Kepler View Post
    When the giraffes start building radio telescopes they can join too.
    He's probably going to be a superstar but that man has more baggage than North West.

  4. #184
    2147483647
    Join Date
    Feb 2001
    Location
    Raleigh, NC
    Posts
    23,715
    Quote Originally Posted by bigblue_dl View Post
    You don't understand how billpay works, do you? You don't give anyone any kind of access to your account if you use billpay...the company you're paying doesn't take money from your account, you send it to them, on the date you select. It just gets sent electronically, instead of via a check. Much more secure.
    why would he know how it works before forming an opinion on it? This is 2018!

  5. #185
    Apartheid Loving Conservadem!
    Join Date
    Nov 2000
    Location
    Crystal, MN
    Posts
    41,617

    Re: Gear Grinding 9: I Need a Wine!

    Quote Originally Posted by FadeToBlack&Gold View Post
    Apple is an effing cult. Can't believe people will pay $1100 for their top-end phone.
    Especially since their phones are garbage
    "It's as if the Drumpf Administration is made up of the worst and unfunny parts of the Cleveland Browns, Washington Generals, and the alien Mon-Stars from Space Jam."
    -aparch

    "Scenes in "Empire Strikes Back" that take place on the tundra planet Hoth were shot on the present-day site of Ralph Engelstad Arena."
    -INCH

    Of course I'm a fan of the Vikings. A sick and demented Masochist of a fan, but a fan none the less.
    -ScoobyDoo 12/17/2007

  6. #186
    Apartheid Loving Conservadem!
    Join Date
    Nov 2000
    Location
    Crystal, MN
    Posts
    41,617

    Re: Gear Grinding 9: I Need a Wine!

    Quote Originally Posted by Brenthoven View Post
    Well, duh. But you have given them access to your bank account, and that does open the door for possible problems.
    Let me guess...you cover the web cam on your laptop too because you fear "THEY ARE WATCHING!!!!1"
    "It's as if the Drumpf Administration is made up of the worst and unfunny parts of the Cleveland Browns, Washington Generals, and the alien Mon-Stars from Space Jam."
    -aparch

    "Scenes in "Empire Strikes Back" that take place on the tundra planet Hoth were shot on the present-day site of Ralph Engelstad Arena."
    -INCH

    Of course I'm a fan of the Vikings. A sick and demented Masochist of a fan, but a fan none the less.
    -ScoobyDoo 12/17/2007

  7. #187
    Lucia Apologist
    Join Date
    Mar 2007
    Location
    Minnesota
    Posts
    29,585

    Re: Gear Grinding 9: I Need a Wine!

    Quote Originally Posted by Handyman View Post
    Let me guess...you cover the web cam on your laptop too because you fear "THEY ARE WATCHING!!!!1"
    I see a shocking number of people who do that. I'm more surprised when I don't see it now.
    Code:
    As of 9/21/10:         As of 9/13/10:
    College Hockey 6       College Football 0
    BTHC 4                 WCHA FC:  1
    Quote Originally Posted by SanTropez View Post
    May your paint thinner run dry and the fleas of a thousand camels infest your dead deer.
    Quote Originally Posted by bigblue_dl View Post
    I don't even know how to classify magic vagina smoke babies..
    Quote Originally Posted by Kepler View Post
    When the giraffes start building radio telescopes they can join too.
    He's probably going to be a superstar but that man has more baggage than North West.

  8. #188
    Armed bigblue_dl's Avatar
    Join Date
    Feb 2004
    Location
    God's Country
    Posts
    32,928

    Re: Gear Grinding 9: I Need a Wine!

    Quote Originally Posted by dxmnkd316 View Post
    I don't have that. I just have them pull money out. You send a cancelled check and they can do an ACH transfer out. Xcel does it, my garbage company does it, and GDO does it for utilities. There might be one or two other ones.
    Yeah, you can do it like that. I don't though. I use billpay offered by my bank. When I pay my bills I go the website and schedule an electronic payment. It makes it easier to keep track of how much I'm paying for stuff, and monitor expenses, when compared to them just taking money out. The only exception are my wife's student loans, where she gets a half a point reduction in interest rate if she signs up for auto-debit, so its a no-brainer to sign up for it on those accounts.
    Having a clear conscience just means you have a bad memory or you had a boring weekend.

    RIP - Kirby

  9. #189
    Lucia Apologist
    Join Date
    Mar 2007
    Location
    Minnesota
    Posts
    29,585

    Re: Gear Grinding 9: I Need a Wine!

    Quote Originally Posted by bigblue_dl View Post
    Yeah, you can do it like that. I don't though. I use billpay offered by my bank. When I pay my bills I go the website and schedule an electronic payment. It makes it easier to keep track of how much I'm paying for stuff, and monitor expenses, when compared to them just taking money out. The only exception are my wife's student loans, where she gets a half a point reduction in interest rate if she signs up for auto-debit, so its a no-brainer to sign up for it on those accounts.
    I use Mint to aggregate everything. Most banks have separate Mint/Quicken logins now so you don't actually have to give Mint access to core accounts.

    I just don't track my money flow for bills and utilities that often. Maybe quarterly or semiannually. Garbage isn't going to change much. Water is only billed every other month and I'd forget to pay if I didn't have it setup. And Xcel is what it is. I'm generally pretty low cost for gas and electricity (I think I'm in something like the 5th percentile for energy users in my neighborhood). Car payments are always the same.

    I took a look at billpay but I would rather not have to worry about remembering to pay. I can be absent-minded about things like that, so I did what works for me which isn't for everyone.
    Code:
    As of 9/21/10:         As of 9/13/10:
    College Hockey 6       College Football 0
    BTHC 4                 WCHA FC:  1
    Quote Originally Posted by SanTropez View Post
    May your paint thinner run dry and the fleas of a thousand camels infest your dead deer.
    Quote Originally Posted by bigblue_dl View Post
    I don't even know how to classify magic vagina smoke babies..
    Quote Originally Posted by Kepler View Post
    When the giraffes start building radio telescopes they can join too.
    He's probably going to be a superstar but that man has more baggage than North West.

  10. #190
    Veteran leswp1's Avatar
    Join Date
    Nov 2006
    Posts
    31,506

    Re: Gear Grinding 9: I Need a Wine!

    Quote Originally Posted by Brenthoven View Post
    Well, duh. But you have given them access to your bank account, and that does open the door for possible problems.
    THis was in AARP magazine (yes I am old enough) - seems to go against what I believed. I have access to everything but I don't pay most things on line. "Register for online access to every financial account you have (bank accounts, credit cards, 401(k)s and so on). Then check each one weekly. Also consider setting up alerts on your major accounts so that any time there is activity, you are sent a text message. Most companies will do this for free and allow you to set a dollar threshold. "

  11. #191
    Armed bigblue_dl's Avatar
    Join Date
    Feb 2004
    Location
    God's Country
    Posts
    32,928

    Re: Gear Grinding 9: I Need a Wine!

    Quote Originally Posted by dxmnkd316 View Post
    I use Mint to aggregate everything. Most banks have separate Mint/Quicken logins now so you don't actually have to give Mint access to core accounts.

    I just don't track my money flow for bills and utilities that often. Maybe quarterly or semiannually. Garbage isn't going to change much. Water is only billed every other month and I'd forget to pay if I didn't have it setup. And Xcel is what it is. I'm generally pretty low cost for gas and electricity (I think I'm in something like the 5th percentile for energy users in my neighborhood). Car payments are always the same.

    I took a look at billpay but I would rather not have to worry about remembering to pay. I can be absent-minded about things like that, so I did what works for me which isn't for everyone.
    I track everything manually, both for personal and the farm. Spreadsheets for all of it, no separate software to do anything.
    Having a clear conscience just means you have a bad memory or you had a boring weekend.

    RIP - Kirby

  12. #192
    I got nothing Slap Shot's Avatar
    Join Date
    Mar 2001
    Location
    Clark Freeport Zone, Philippines
    Posts
    31,606

    Re: Gear Grinding 9: I Need a Wine!

    Quote Originally Posted by dxmnkd316 View Post
    I don't have that. I just have them pull money out. You send a cancelled check and they can do an ACH transfer out. Xcel does it, my garbage company does it, and GDO does it for utilities. There might be one or two other ones.
    Even that doesn't give them, "access to your account". They have to submit a request to your bank for each monthly payment and your bank has to respond. They can't just arbitrarily take money from your account and you can put a stop to it with your bank at any time. That's no more giving "them" access to an account than you give to your company when you sign up for direct deposit.

    Brent doesn't have that either?

  13. #193
    Lucia Apologist
    Join Date
    Mar 2007
    Location
    Minnesota
    Posts
    29,585

    Re: Gear Grinding 9: I Need a Wine!

    Didnít know that. Thanks.

  14. #194
    Armed bigblue_dl's Avatar
    Join Date
    Feb 2004
    Location
    God's Country
    Posts
    32,928

    Re: Gear Grinding 9: I Need a Wine!

    Quote Originally Posted by Slap Shot View Post
    Brent doesn't have that either?
    I can't imagine not having direct deposit. I don't think it is even an option at my employer to get a paper check anymore. I mean, its not the '80's anymore.
    Having a clear conscience just means you have a bad memory or you had a boring weekend.

    RIP - Kirby

  15. #195
    wubba lubba dub dub
    Join Date
    Nov 2001
    Location
    North Haverbrook
    Posts
    32,045

    Re: Gear Grinding 9: I Need a Wine!

    Quote Originally Posted by Slap Shot View Post
    Even that doesn't give them, "access to your account". They have to submit a request to your bank for each monthly payment and your bank has to respond. They can't just arbitrarily take money from your account and you can put a stop to it with your bank at any time. That's no more giving "them" access to an account than you give to your company when you sign up for direct deposit.

    Brent doesn't have that either?
    Yeah, there are a whole series of safeguards on automated money transfers so as not to simply allow "direct access" to an account. Most people don't see them because they just witness the end results. I've had to go through some ACH processes, really just an introduction as part of my job, and there are a great many steps involved. Tremendously involved, and tremendously stepped.
    "The party told you to reject the evidence of your eyes and ears. It was their final, most essential command." George Orwell, 1984

    "One does not simply walk into Mordor. Its Black Gates are guarded by more than just Orcs. There is evil there that does not sleep, and the Great Eye is ever watchful. It is a barren wasteland, riddled with fire and ash and dust, the very air you breathe is a poisonous fume." Boromir

    "Good news! We have a delivery." Professor Farnsworth

  16. #196
    Veteran leswp1's Avatar
    Join Date
    Nov 2006
    Posts
    31,506

    Re: Gear Grinding 9: I Need a Wine!

    Quote Originally Posted by bigblue_dl View Post
    I track everything manually, both for personal and the farm. Spreadsheets for all of it, no separate software to do anything.
    I love my Quicken but I enter everything manually and it isn't connected to any of my accounts. I love that I can look up things, predict them, etc.

  17. #197
    Armed bigblue_dl's Avatar
    Join Date
    Feb 2004
    Location
    God's Country
    Posts
    32,928

    Re: Gear Grinding 9: I Need a Wine!

    Quote Originally Posted by leswp1 View Post
    I love my Quicken but I enter everything manually and it isn't connected to any of my accounts. I love that I can look up things, predict them, etc.
    I prefer spreadsheets. Very powerful, and very customizable. Plus, none of the regular softwares like Quicken can do **** for farm stuff.
    Having a clear conscience just means you have a bad memory or you had a boring weekend.

    RIP - Kirby

  18. #198
    Veteran leswp1's Avatar
    Join Date
    Nov 2006
    Posts
    31,506

    Re: Gear Grinding 9: I Need a Wine!

    Quote Originally Posted by bigblue_dl View Post
    I prefer spreadsheets. Very powerful, and very customizable. Plus, none of the regular softwares like Quicken can do **** for farm stuff.
    I don't think I even know all the things spread sheets can do. I can make simple ones but I have no idea how to make them anything other than check lists

  19. #199
    Minding the gap MinnesotaNorthStar's Avatar
    Join Date
    Feb 2004
    Location
    Indianapolis, IN
    Posts
    30,558

    Re: Gear Grinding 9: I Need a Wine!

    I prefer to control when the money exits my account. Still pay everything online though. Only have rent, cable/internet, electricity, and car payment (Also, I never make only the minimum payment on my car).

  20. #200
    Registered User
    Join Date
    Aug 1999
    Location
    Indialantic, FL
    Posts
    8,234

    Re: Gear Grinding 9: I Need a Wine!

    I've been using Quicken my entire adult life, so I can tell you where every penny has gone since 1995. The only exception is cash - for the first few years, I even kept track of that (treating withdrawals as transfers into a cash account, which I then spent on food, hookers, blow, etc). I have so many accounts that I can't imagine doing it manually via a spreadsheet.

Thread Information

Users Browsing this Thread

There are currently 1 users browsing this thread. (0 members and 1 guests)

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •