PILOT SPIN
Spin Zone => Spin Zone => Topic started by: Old Crow on August 15, 2024, 10:06:43 AM
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Yesterday, as is my habit, I checked into the credit union I'm with and noticed someone had transferred $4500 from the credit card to checking. At 9 I was at the credit union discussion this with a lady and she noticed someone had added something called ARO to my payee list (I had Comcast, Verizon and Eversource on that list) and was trying to pay ARO that $4500. She looked at me, showed me on the computer what was going on and blocked it. We shut down that account (checking, savings and the credit card) and opened up a new account for all. NOW going through the hassle of notifying Social Security and Mil Pay. MOST important to notify the inputs to my account I'll worry about the outgoes later! Thinking back on this if I hadn't checked the account in the morning and waited until noon or later that $4500 would have been gone.
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I'm really sorry that it happened. And it's becoming more and more frequent. Companies that we entrust with out data MUST be more secure. The federal government was just hacked and EVERYONE'S social security number, name, and other data has been stolen. EVERYONE!!! Seems like each month I get a notice that "so sorry, we were hacked and they got all your information. We'll give you a year of credit monitoring to make up for it." I think I have free monitoring until the year 2100.
This sucks!
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That’s terrifying. So glad you caught it. The FDIC doesn’t cover that kind of theft but your financial institution might have a protection plan that covers it. I’m glad you didn’t have to use it if it does.
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I check my accounts on nearly a daily basis. First thing in the morning I bring up Quicken and log into the Credit Union first to see what has cleared and then log into my Costco VISA account to see what has posted and what has cleared. I nearly always get a receipt when I purchase something also.
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I check my accounts on nearly a daily basis. First thing in the morning I bring up Quicken and log into the Credit Union first to see what has cleared and then log into my Costco VISA account to see what has posted and what has cleared. I nearly always get a receipt when I purchase something also.
I check ours a couple times a week, maybe I should switch to daily. We keep all credit card receipts and I check them against the banks transactions. Every year or so we get a fraudulent charge on one of our cards and they have to issue us a new one. One time it was $70 at Subway in NYC. Needless to say we had not been there!
We are real careful with cybersecurity but when you purchase something online, the seller can be hacked on their end and there’s nothing you can do except don’t save your card with them, enter it anew each time. I only save the card with places I get regular subscription deliveries.
The only time where a local purchase transaction didn’t match the receipt was a restaurant where they hadn’t included the tip! We went back and confronted them about not ringing up the tip for our waitress. It was an honest mistake, they ring the tip up separately from the food charges and simply neglected to do it.
I prefer to hand the waitress cash directly but hubby puts it on the card and I’ve not been carrying cash lately.
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I check ours a couple times a week, maybe I should switch to daily. We keep all credit card receipts and I check them against the banks transactions. Every year or so we get a fraudulent charge on one of our cards and they have to issue us a new one. One time it was $70 at Subway in NYC. Needless to say we had not been there!
We are real careful with cybersecurity but when you purchase something online, the seller can be hacked on their end and there’s nothing you can do except don’t save your card with them, enter it anew each time. I only save the card with places I get regular subscription deliveries.
The only time where a local purchase transaction didn’t match the receipt was a restaurant where they hadn’t included the tip! We went back and confronted them about not ringing up the tip for our waitress. It was an honest mistake, they ring the tip up separately from the food charges and simply neglected to do it.
I prefer to hand the waitress cash directly but hubby puts it on the card and I’ve not been carrying cash lately.
I know a lot of people that say to tip with cash. My son, he and his both waited tables in the early years, tell me that the restaurant will still withhold taxes based on an average tip rate for the total of their tickets.
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I know a lot of people that say to tip with cash. My son, he and his both waited tables in the early years, tell me that the restaurant will still withhold taxes based on an average tip rate for the total of their tickets.
Yes they did that back when I was a waitress.
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I always tip in cash.
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Out to breakfast this morning. It's a local place we go to and enjoy. I've stopped having coffee except for one cup at home first thing. Our ticket was a little over thirteen dollars. After adding the tip on the card slip I started thinking that when I used to have coffee there and my wife would get an omelette and not just an egg biscuit, the bill would be higher yet the server still had to do the same amount of work. I left some additional money with the slip.
Is there a minimum amount you would tip?
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Tipping in the US has gotten out of control.
Walking through an airport I stopped to get a drink to take with me. Paid the self service kiosk (which had one attendant that didn't help me) and paid with a CC. It asked for a tip before total. So I served myself and checked myself out, but I'm suppose to tip?? GMAFB
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Out to breakfast this morning. It's a local place we go to and enjoy. I've stopped having coffee except for one cup at home first thing. Our ticket was a little over thirteen dollars. After adding the tip on the card slip I started thinking that when I used to have coffee there and my wife would get an omelette and not just an egg biscuit, the bill would be higher yet the server still had to do the same amount of work. I left some additional money with the slip.
Is there a minimum amount you would tip?
Is 15% still standard? I go to 20% if the service was good, maybe more if it was great and the bill small.
The least I ever got was one penny at a table of I think 4 people. They were paying at the cash register when I cleared the table and got my penny, I handed it back to one of them saying something like thanks but no thanks. She said whoops that was an accident and went back and put a real tip on the table.
I understand some people tip a penny as a message that your service sucked (which I don’t think mine did) but after that I think it really was an accident, maybe they were getting out money to pay and dropped the penny and just forgot the tip, or maybe they didn’t mean to leave a tip out of habit and I shamed them into it. I don’t know if it matters but they were all black and I’m white and this was back in the 70s; the rumors back then were that blacks don’t tip, although I don’t recall other blacks not tipping. Sometimes no tip was left but whites would do that too.