Talk of The Villages Florida - Rentals, Entertainment & More
Talk of The Villages Florida - Rentals, Entertainment & More
#16
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Checks don't serve the same purpose as the payment methods being discussed, it's Apples and Peaches.. The purpose of these payment methods get cash to someone in seconds not days or weeks like a check takes. I have probably written 10 checks in the last 15-20 years. My remaining checks (and account numbers which never changed ) are from probably from over 15 years ago when Union Center National Bank got bought by City Federal who got bought by First Union who got bought by Wells fargo (probably missed a couple in between). "Clark Howard" actually has very LITTLE bad to say about Zelle and the others other than to keep a separate checking account and watch out for obvious fraud. Doesn't the fact seniors get sucked into the bad stuff more than others tell you something? Can't blame the SERVICE for that. One needs to take responsibility for what they do wrong. Howard says: Fraudsters are actively trying to exploit Zelle and other payment apps, so Clark advises using it only when transacting with a person you know. [DUhhhh!!!] In fact, on the Zelle website, it says, “You can send money to almost anyone you know and trust with a bank account in the U.S.” The “almost anyone” part means that Zelle intends this app to be used only by close associates. Exactly. If some Nigerian Prince asks you to send him $1000 by Zelle to free your little grandson from the head hunters of southern Monrovia one has to CAREFULLY think about it before sending.
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. . "If one has no sense of humor, one is in trouble." Betty White (1922-2021) R.I.P. |
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#17
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Venmo has few real protections, is not federally regulated like credit cards. PayPal is much better at Fraud and scams . And better yet if someone needs money the next day or two send them a check express mail.
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#18
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I have never used any of these services myself for sending money because of an experience with a friend. She carelessly didn't "close" her transaction when she sent money to her grandson. Apparently, someone in a foreign country was able to monitor "open" accounts and they cleared out not only her checking account, but her linked savings account! I have always been concerned about hackers and this is why I don't have my checking and money market accounts linked for automatic overdrawn coverage.
Also, when I had a yard sale and also sold furniture, people asked if I would accept Zelle or other forms of electronic payments and I wouldn't because I didn't know them. A person going to a yard sale should come prepared with cash and someone purchasing furniture can swing by their ATM. |
#19
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Maybe he can coach us up on that concept! I would like to know how he pulls that off.
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The voice of reason |
#20
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#21
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VENMO, et. al
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#22
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Good thinking, never carry a balance, the interest rates they charge are brutal, they give you a float on the payment , keep records for you and give you more leverage to deal with the seller if there is a problem and most C/C companies will give you a small amount back, do this with a no fee card and have all the benefits paid for by those who carry a balance, win win situation , but as you say it can be dangerous have things set up so you are notified of any charges
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#23
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If you tip in cash, do you give it to your server in person?
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Real Name: Steven Massy Arrived at TV through Greenwood, IN; Moss Beach, CA; La Grange, KY; Crystal River, FL; The Villages, FL |
#24
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As for sending grandkids money, we do it often (as did my Father). Checks are so 1990's. Our granddaughter was on a cross country car tour with a friend to visit dozens of national parks. We wanted to send her some gas money and she had it in seconds. Sure we could have bought a prepaid credit card and mailed it to her if we knew where she would have been on any day but there was no mail at campsites in Yosemite or Grand Teton or ontop of Pikes Peak. If one feels uneasy with modern technology then by all means stay away from it and also stay off of Facebook and the rest.
__________________
. . "If one has no sense of humor, one is in trouble." Betty White (1922-2021) R.I.P. |
#25
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With inflation why not get all the rebates you can? On another point, I use zelle for receiving payments in my business and for both sending and receiving payments personally but only to people I know. The clients send zelle payments to my business email address so they don't have my bank account info. I do not accept credit cards in the business. Most clients love zelle because they don't have to mail anything anymore.
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Facts are stubborn things; and whatever may be our wishes, our inclinations, or the dictates of our passions, they cannot alter the state of facts and evidence. John Adams |
#26
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Never worked with my X and if she did she would figure how to charge me something for doing that.
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#27
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A few years ago my dad told us a story about the call he got for the grandson needing bail from a foreign country scam. Immediately he was skeptical and asked "which grandson?" the scammer's reply was "Your favorite one." Yeah right he thought and ended the call. People just need to ask questions and figure it out before hurrying to send money to these scammers. Easy to say, but don't become a victim.
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