Passwords gone mad

I don't text in the SMS sense but we use Slack at work since most people are working from home. I usually have the app open on the phone although the desktop app is handier for long replies.

I've joined that club. I use Anker earbuds for zoom meetings and the bluetooth is good for about 30 feet so I can wander around and talk to myself. I try to remember to mute if I plan on flushing a urinal.

I don't care if Facebook or Yahoo mail gets hacked. There is nothing important on them that I really care about and I can always start up under a new name.

I seldom go to the bank either. Maybe once every month or two. It is either to get some cash or to deposit a paper check that may come two or

Almost every thing I buy is put on a credit card as I get 1.5 % or more back depending on the card. The IRA is handled on the computer or a phone call as it is handled by a conpany/bank that is out of state. The man I deal with at Chase is very efficent and I wish everyone was like him.

Unless the item I want is less than abut $ 10 it goes on a credit card. I do like to go to flea markets and the dealings there is in cash.Have not been to one of those in the last year due to the virus.

I usually take money from the IRA at different times of the year depending on my needs and if I think it is better to take it at the end or the starting of a year.

I do like to play with the stock market with a small ammount of money. It is just a hobby and there are a couple of stocks that go up and down by about 5 or 10 % every week or two. I buy and sell them some times a couple times a week,or it may be a month as sometimes they will be up when I buy them and then drop way off for a month before they come back up. Made enough off of them doing that in the past year to buy a new Garden Tractor a few months back. All the stock trades are done on line.

Pixel 2, Gorilla glass, Nakedcellphone's Kickstand Cover with Holster.

The current phone and it's two predecessors have all been been dropped on concrete, tile, asphalt, etc. Multiple times. I've cracked the protective cover, the holster and the Gorilla Glass. Never once cracked the screen.

The $10 cost of the cover is covered because I bought it for the kickstand and holster features. Damage protection is a bonus. $4 for the Gorilla glass. Well worth paying for that protection.

A bounce off a wall would be child's play.

On the other hand, I have to laugh at this ridiculous iPhone commercial. Even if you can accept the over the top juggling act that she does with the phone, look where it lands when the dancing is over.

You aren't impressing anyone (that has half a brain) with a phone that doesn't crack when it lands on sand. Are the masses really that stupid?

Why don't they invite me to the pitch meetings for these ads? Who didn't raise their hand and point out how stupid it is?

(Turn the sound down first. Really annoying soundtrack)

One example I can think of that getting your email hacked is really serious is when they are using 2 factor ID and the hacker has access to both. You certainly would not want both passwords to be the same.

There is a limit to how big a check you can post with a phone (five grand or so).

I have also had problems with ATMs taking some checks. For some reason IBM dividend checks seldom work.

That wasn't quite my point. It's more like when Yahoo mail gets hacked, again and again, lists of Yahoo user accounts and their passwords show up on the dark web. People who buy those lists tend to try to correlate those user accounts with other lists of user accounts, then they try to use the same passwords on other sites. You might be surprised to know how often that's successful, or you might not.

Anyway, that's why it's always recommended to use a unique password at every site that requires a login. In this case, it's not to protect your Yahoo account, it's to protect every other one of your accounts that uses the same password.

For a 27-year period in the 70s-80s-90s, I had a credit union account in Las Vegas but I didn't live anywhere close. It didn't matter, as I never had a reason to go. Even then, direct deposit of my paychecks and electronic bill pay (auto pay) took care of everything.

The bank app will walk you through it, step by step. Take a picture of the front of the check, take a picture of the rear of the check, press Submit, get a "Deposit accepted!" response, go sit in the rocking chair. Once you've endorsed the check, the rest takes about 30 seconds.

Same here. When I withdraw $100 from an ATM it lasts me 2-3 years. Everything goes on a credit card, where it earns me cash back, and the card(s) get paid in full every month so there's no interest. You can't beat being able to play with house money and getting paid for doing it.

I generally use cash for small amounts, especially at local businesses I know are on a shoestring. I don't need the cash back that badly.

We tried to put a car purchase on a credit card. The dealership wouldn't do it.

Cindy Hamilton

A password is "something you know." With 2FA, something you know, i.e. your password, is paired with something you have, or something you are, or somewhere you are, as examples.

The biggest check I deposited via my credit union's phone app was just over $147,000, the net proceeds from a home sale. The CC app said there would be a 3-business day hold on the deposit, but it cleared in about 15 minutes.

I'm pretty bad about supporting small local businesses. I'm glad that you do, and I should too, but...

I tried to put a $26,000 Toyota pickup on a credit card. There was a delay while they scrambled to see if they could absorb the fee, but they did it without affecting my cost. Another time, I tried to put a $38,000 SUV on a credit card and they flat out said no, but they allowed me to use a 0% interest program that was supposed to be used for first time buyers, and my monthly payments of $8000 went onto my credit card, so in the end I still got cash back on that deal, as well.

That depends on what you buy. Sometimes it is cheaper to pay cash. I pay my lawn guy and cleaning lady with cash. Had the windows tinted on my daughter's car. Cash got a a few bucks off and no 6% sales tax. Local farm stand often tosses something extra in the bag.

Sure. makes no difference at the supermarket or WalMart but many small businesses, cash is king.

Paraphrasing, You can't beat paying cash and getting huge discounts for the house money.

Same here. Dealers are running on tight margins if you are dealing hard with them and they are not willing to give up 2-3% to the CC company. They told me if I would pay the fee they would do it. It ended up being more than the cash back (why would that be a surprise). I just wrote them a check.

The ones I am talking about are where you log into your account and they send an Email with a one time code you have to enter to get through that screen. United Health Care does that along with my broker, the IBM benefits site and a few others. I even get that now and then on more mundane things like Next Door. My E-mail password is one of my most complex, about 20 characters long, numbers, special characters and mixed case gibberish. It is in a manager so I don't have to remember it. I have some other E-mail accounts that are not that secure but I don't do much with them either. Certainly no money.

My wife's credit union wouldn't take a twenty grand check on the phone. I had to take it up there. I didn't try the ATM. It was just as easy to walk through the door and hand it to a teller.

That is right. I have a lot of credit cards just because when I got one it would give me about $ 200 back if I charged so much on it in 2 or 3 months. The monthly grocery bill takes care of that. I almost have to have a spread sheet to see which card to use where :-) Different cards give different ammounts back at different places.

I just bought a big dollar item and the company would not give a discount for cash, so I carded it and got back $ 120.

Like you, I never carry a balance. I do ge through maybe $ 1500 a year in cash as it is at flea markets that specilize in my hobbies and some places that only take cash, or charge more for a card.