Community weekly poll: Do you do online financial transactions? Why or why not?
- 6/6/07 2:41 PM
Shopping Online
by Jstaman466 - 6/8/07 7:40 AM In reply to: shopping online by beyondtodayI said it twice and I'll say it again I have never dealt with any Banks or Finance companies. I have told you over and over I do not trust Internet or Mobile phones to pay a bill. I'm like the others I agree with beyondtoday. I myself want to see, who's getting my money and I want to see that name tag.
Do you do online financial transactions? Why or why not?
by sandysone - 6/6/07 10:51 PM In reply to: Do you do online financial transactions? Why or why not? by Lee Koo (ADMIN)
No absolutely not! With banks going oops we had our 5th and some times 6th security breach. Military losing laptops with families names, dob, ss#. Everything you do online has a trail good or bad. I have had a company "accidentally" charge a credit card. I asked why were you keeping my information to begin with. Everyone wants to anticipate your shopping habits, put your sensitive medical records on line. I work in health care there is no way I want my financials on the web. It's bad enough that it's stored in their "secured" data base. I don't want anyone connecting the dots.....
Online transactions are great
by nomadd74 - 6/6/07 11:35 PM In reply to: Do you do online financial transactions? Why or why not? by Lee Koo (ADMIN)
Here in Australia I pay all my bills, transfer money to various accounts, pay my rent. Purchase mail order wine by the carton. Buy clothing from mail order companies in the USA. Pre-purchase theatre seats in advance for when I travel in America.
Always buy tickets for Opera, theatre, concerts, musicals and dining here in Brisbane - Australia.
Once I purchased opera tickets from a theatre in Kansas City and was amazed at the security.
Purchase PC's by mail order online.
Book and purchase accommodation in Europe and Asia.
Pay online for all air and coach travel.
Never had any problems, but I always make sure that companies have secure locked systems!
There's no such thing as a safe transaction!
by Kostagh - 6/7/07 6:04 AM In reply to: Online transactions are great by nomadd74If hackers can break into FBI and CIA servers, they'll definitely have little trouble in breaking into those transaction servers from the banks.
As I work for my money, I wouldn't want to see it wasted.
That's one of the reasons for which my card account has little money in it. And I haven't requested clearing for online transactions.
Furthermore, I prefer seeing before I pay! Online purchasing is not my cup of tea! Nope! Not for me! Anything but the doe!
Online Banking Most of the Time
by 2dogday - 6/6/07 11:41 PM In reply to: Do you do online financial transactions? Why or why not? by Lee Koo (ADMIN)
My dogs would be mad at me if I did ALL my banking online.
Why? Because my bank has doggie treats at the drive-thru. Therefore,
I deposit certain checks directly into my account from the car rather
than electronically deposited.
When I pull up to the window my 2 Aussies hang their heads over the front seat in anticipation of the goodies. Once, the bank ran out of treats and when I opened the vacuum tube there was only a receipt. My dog, Jake stuck his nose into it and sniffed, then looked at me and made an odd sound under his breath--could swear he said, "No way!" 
On line financial transaction:
by Jstaman466 - 6/7/07 12:06 AM In reply to: Do you do online financial transactions? Why or why not? by Lee Koo (ADMIN)
ON LINE FINANCIAL TRANSACTION,
I have never done any type of on line transaction as far as banking, water bill, lights, ect,ect. Out of the six years that I have had my computer I have done one transaction I used one credit card to send five dollars to join a selling market. IN doing that I was scared to death that somebody would get my card number. As far as using a mobile phone to do any banking no and would not want to too scared someone would be able to steal my info. Hey it happens every day,the government is probably checking us right now. Today it is hard to trust anyone sorry Justaman466
Always online
by harold.richey - 6/7/07 12:21 AM In reply to: On line financial transaction: by Jstaman466Today using checks is more dangerous than paying online. Give someone a check and they have your routing information and account and easily drain your account. I pay everything online even my contributions to my church. Payroll check is direct deposit and any other check I get is deposited at an ATM have not been inside a bank in two years. Use Debit or Credit cards for direct purchases.
Checks are more Dangerous
by celtmaiden - 6/7/07 1:05 AM In reply to: Always online by harold.richeyYep! I had one of those short term loans, and you leave a check with them, so if you don't go in to pay it, they use the check and cash it. I went in and satisfied the loan, took my check and wrote void across it, went home with all my papers that said "PAID", checked my bank account, and someone had called in an electronic transaction on my voided check! ***!!! Needless to say, I was on the phone with them and the bank on a three way call. We (the bank and I) got that taken care of in no time.
Most of the time.
by celtmaiden - 6/7/07 12:46 AM In reply to: Do you do online financial transactions? Why or why not? by Lee Koo (ADMIN)
The only thing I don't do on line is buy clothing and groceries. All my bills are paid on line, actually, most are directly withdrawn, I get a statement, and notification from the bank, in email, and on the agreed upon date(s) the funds are withdrawn from my account. Since I have direct deposit, unless I get a check as a gift from someone, I only go to the ATM to withdraw funds now and then.
Online financial transactions
by dan822 - 6/7/07 1:18 AM In reply to: Do you do online financial transactions? Why or why not? by Lee Koo (ADMIN)
Yes I do financial transactions online, I order lots of merchandise online, it is easy, get it delivered to my door, no sales tax and I can pick from lots of stores for the best deal.
I also do all my banking online, so easy, no charges at all, they will even mail checks to anyone I ask them to , make the check out and pay the postage, best of all they pay me 5. 1 % interest on my checking account
Online Financial trtanactions
by Philip Shelton - 6/7/07 1:45 AM In reply to: Do you do online financial transactions? Why or why not? by Lee Koo (ADMIN)
I do all my financial transactions onlije.
For each vendor, bank, seller (Ebay), and miscellaneous, like Amazon. CNET, etc, I have a different card number from eight different banks For my log-in with password, ID and such, they are canged randomly and show up on my stand-alsone computer in a faraday cage. I have that computer off-line (not connected to the net at all) run weekly random numbers in STRONG conbinations of Upper and lower case letters, upper and lower case numbers. dashes. and diacritics. They are truly random and are entered into my sunken safe. (Sercuity 12, 16. 19, and 23)
I use a different name each time, also randomly chosen.
I choose the amount of each account according to what I think I may use, or, if under crerated, get another card from anorher bank with above methods.
It is not hard to get a new card number from the bank and talk to security to set it up.
I pay timely.
I but under Purchases. ar purchase
large purchases with a fraud card by phone, but it showw okay. I correct that in my own way. I erase all 500.00 charges and pay with a different card. which I change when it comes throug.
I erace spys.
I use different addresses.
Than about does it.
Yes, with very little concern.
by ddingbat - 6/7/07 2:09 AM In reply to: Do you do online financial transactions? Why or why not? by Lee Koo (ADMIN)
I have online accounts in 2 (European) countries and access them via the web and, in one case, by mobile phone as well. Both banks use 2 factor authentication for any access (ie ID+password and then some second factor such as randomly chosen letters from a keyword/phrase or randomly chosen entry from a 10x10 matrix of letter/number pairs unique to me). At least one UK bank is now issuing random password generating "dongles" that are used to authenticate payments before they are made.
With all this in place and very widely available general knowledge of how to detect "phishing" scams I find it hard to understand why people are so fearful! Some of the additional precautions people mention in these postings verge on the paranoid!
We should not forget how easy it is to clone a credit card out of sight in a restaurant, steal and mis-use travellers' cheques or simply pick a pocket or lady's purse! Let's try to propagate a balanced and realistic view of online activity relative to other ways of doing things!
As long as it is secure
by The Santa Clause - 6/7/07 3:46 AM In reply to: Do you do online financial transactions? Why or why not? by Lee Koo (ADMIN)
I have been haunted by scammers ever since I can remember of owning a computer. I have found that you can't have too much security. I had loaded myself up with the latest programs of securities as well as used the bank's own security and tracking system. Without it I would not be doing all the financial decisions I am making now. I am disabled and getting around to do my banking priorities is difficult at times so I am left with the options of securing myself on an overload of anti everything to assure my financial safety as well as my Identity. Modern technologies have become a god send. Too bad there are others that corrupts the system for their own mischievous purposes. This makes it more costly for everyone in the long run.
Nando
Yes, I do online financial transactions
by drolih - 6/7/07 4:53 AM In reply to: Do you do online financial transactions? Why or why not? by Lee Koo (ADMIN)
I pay any bill that will let me, online. I have never run into trouble with any of my charge cards, online shopping, and I even renew & pay for my driver license & car tags online. Most of my banking is done online. At this time I only have one creditor that doesn't have online payment access.
I was uncertain at first, but now I wouldn't change back to paper checks for anything.
I do ALL my transactions online
by jean harrington - 6/10/07 3:41 PM In reply to: Yes, I do online financial transactions by drolihI have been doing this since shortly after I retired in 1998, certainly by 2000.
I regard addressing envelopes, putting stamps on them, writing checks as old-fashioned beyond belief.
It's a tremendous convenience to me,
as I used to be right-handed.Lost the use of my right-side through stroke.
In 8+ years of online banking,
I have never detected a fraud.
But, statements are still mailed to me.
I refuse to supply the bank with yet another email that can be used for PHISHING.
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