sir james I I still pay with checks as well. Don't trust online banking at being secure. Use only 1 credit card for online buying. S.J.
I still pay with checks as well. Don't trust online banking at being secure. Use only 1 credit card for online buying.
S.J.
Jim, we have three cards, all older than 20 years old. One for me, one for her, and one I got in 1976 from Sears. I use mine most of the time but I do make sure to use her's to keep her credit rating up there. (just in case I drop off) Now and then I will put something on the Sears card to keep it active. At any rate they always get paid off in full when I get a statement. They hate that.
First day of spring, so I took the cover off the AC unit.
Joined 1-21-2011 TCA 13-68614
Kev, From The North Bluff Above Marseilles IL.
"IT's GOOD TO BE THE KING",by Mel Brooks
Charter Member- Tardis Train Crew (TTC) - Detroit3railers- Detroit Historical society Glancy Modular trains- Charter member BTTS
SPMan Incidentally, Three out of five of our doctors are from foreign countrys. Not sure about religions but it looks like the medical profession is hurting for home grown recruits. Cost of education must be a big factor.
Incidentally, Three out of five of our doctors are from foreign countrys. Not sure about religions but it looks like the medical profession is hurting for home grown recruits. Cost of education must be a big factor.
As most of you know there is in-state and out-of-state tuition at our major universities. The majority of the time there is a huge difference between in-state and out-of-state tuition. If a foreign government pays your way to college in the states, they pay out-of-state tuition and the college is very happy to take their money. So, who do the colleges want to see on their doorsteps? Anyone with a handful of money! Have you ever heard anyone from a foreign country taking basket weaving courses? Of course not! You see them in the engineering, medical and science schools.
Follow the $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$
Celebrating 18 years on the CTT Forum.
Buckeye Riveter......... OTTS Charter Member, a Roseyville Raider and a member of the CTT Forum since 2004..
Jelloway Creek, OH - ELV 1,100 - Home of the Baltimore, Ohio & Wabash RR
TCA 09-64284
Kev,
Thats exactly what we do. Good luck with the wife.
Don
Tks,
I guess it is best to go back to cash. I do not do any direct bill pay either for the same reasons. I send checks and they get them in the mail no matter how much pressure they use to try to get it the other way. Now just to get the wife to understand.
The whole thing with the cards is that it is becoming riskyer and riskyer everyday, much less the even more applications for ipads, smart phones, etc.. There are a number of changes coming about that are significant.....
- The newer cards that have a "chip" in them, require merchants to upgrade their card processing equipment. That is not a bad thing, but to show how much "confidence" the banks and industry is putting on the newer cards. If a merchant does NOT get the new equipment, the card company will pass ALL fradulent uses of the card back to the merchant, AND any subsequent liability. It is also interesting to note that the card does NOT have to be inserted by a machine/reader. It can be scanned as well at a distance.
We have been accepting cards on our website since 2003, have had a couple of fradulent transactions but not bad. When a card is processed the transaction is encrypted for security, we have 12 levels of encryption done on our transaction. One of the ways of measuring how secure your website is, is by monitoring the number of times a transaction "pings" from the initiation to the completion. This process is the routing of information from the initiation point to the customers bank. The transaction can bounce back and forth across the US as many as 6 or 7 times. All this electronic activity is where hackers get access. There is software available that will look for data strings of 16 characters then 4 characters and download them. That ends up being the card number and expiration dates. Card processors have added the CVC codes and Zip Code requirements to in an attempt to further ensure correct usage. All this is well intended but for every level of security added someone is already working on breaking it. Needless to say the frequency of card usage is directly proportional to identity thefts, and fradulent charges. For that reason we only use them very little.
Another thing that has occured is the laws are changing rapidly for merchants conducting electronic transactions. I recently and currently am in the process of changing our website, currently hosted by GoDaddy. Long story short the site will be held responsible if the customers account is comprised. That's fine with me, but the liability insurance is going through the roof since the Target, and Athern issues. As a result we are taking Card processing OFF our site, and will provide customers the option of either calling us directly with that information, or submitting payment by check. Might engage a PayPal option, since they would be responsible for the transaction. That remains to be seen based upon costs.
Essentially all the applications for convience purposes of processing things electronically is progressing at the speed of light! WiFi, Smart Phones, Electronic Checks, on and on. However, the security platforms are progressing at a snails pace. Just be careful ! Cash Works.
Kevin you can use it as a debit card or a charge call only difference is how much they are charged for the sale to the store owner with that said you may want to check with your bank as it varies from bank to bank but it is still has only the security by your bank offers it still isn't as safe as a credit card. using it as a credit card does not have the security of a credit card now some banks will cover you up to certain amount and if you ever see a unauthorized charge on your debit card notify you bank asap so they can freeze that card from anymore purchases
Bottom line call and talk with your banks so you know what is the policy for it.
Life's hard, even harder if your stupid John Wayne
http://rtssite.shutterfly.com/
Hi, Cloudy on the North Bluff but mild with a high of 60 today. I will take it!
Shake & Bake good to hear your driving again. WOW a year without driving. Same you would get here for a DUI.
On the debit card question. I think it was missed. What was said about debit and credit cards is pretty much understood. My thing is this, and I will try to be clear. At least here where I live a person can make a credit transaction with a debit card. You may not know this if you don’t have any debit cards. You do know you can not make a debt transaction with a credit card. At least we can't that I know of. For example, If I go to the gas station or the hardware store and get some gas, milk and bread, or some paint and nails. When I go up to the clerk they will say debit or credit and I can say credit, swipe my debit card sign the receipt get my copy and be on my way. I have not used or given my pin number. If I pull up to the pump, I can press pay here with credit swipe my debit card, punch in my ZIP code and it will process the transaction. Again not using or giving my pin number. Also these transaction can take several days to come out of my account. On the other hand if I go to the big box store and swipe my debit card the pad knows it is a debit card and request the pin number, when I enter the pin number and end the transaction, that money leaves my account in real time and is gone just as it would be if I gave them cash. So the question I have is. Is using the debit card as a credit transaction safer than doing a debit transaction using the pin number??? I guess it don’t matter but it was the question, Another thing that would be nice to know is when you do use a debit card as a credit transaction does the vender get hit with the transaction cost?
Oh yeah I forgot , There are gas stations here (most along the interstate) that if you hit the pay here with debit it will tell you to see the attendant. So you have to go inside to process the transaction as debit. But if you cancel then and press pay here with credit it will ask for your ZIP and complete the transaction at the pump with the debit card???Anyway sorry about the length of all of this.
Evening guys!
Had to come on and post, and give warning to ALL espically in So. Cal. ! I'M DRIVING !! Last time was over a year ago, and did well, so I'm begining to get some of my life back!
Ironically, the driving I did was to go and get a loaner car from the car dealership. What a hassle that has been. Our company van that we use for going to various shows had been recalled, due to the Torque Converter. So 2 weeks ago called about scheduling an appointment. The appointment was set for a week later (3/12), took it in, and at that time Service writer indicated it would take maybe 2 days. Fine. 3 days later called to check, and the Service Rep said 1 maybe two more days, no problem. Two days later called again, service rep was not available, people on hand indicated that nothing had been started yet! So now its been with them a full week, and today was told that two vehicles were ahead of mine! I thought I would just take it to another dealer. They offered us a loaner cargo van, and in all realty its fine, no big deal. Other than the principal of it all. Oh well.
Been working on a number of outside projects, redid our malibu lights in the backyard, (also where my G-Scale "dog bone" is located), converting the solar lights to low voltage. Then re-painting a Pagoda made from bricks and plow shares, almost done with that and the wife comes up with a great idea. Redo the patio chairs and tables. (10 chairs, 3 tables). So been busy, and enjoying it.
Also had some good news. I was recently determined to be 40% disabled from the VA. (Due to Agent Orange & Viet Nam.) Therefore by being 40% the VA covers ALL my medical costs, Dr, Hospitalization, Prescriptions, etc. Only thing not covered is dental. So we had an appt with Soc Sec this am, and found out I dont need to continue with Medicare Supplemental Ins.. Surprisingly, that costs comes back to me, not to Buckeye and others still working. Sorry.
Noticed the discussion on Debit Cards. As a merchant, I think they are great. We have a lower transaction cost, and if a customer wants a refund for any reason, they have NO recourse with us. It is totally our call. Either ends up being the customer or their bank's responsibiity. Actually, debit cards evolved from the "secured" credit card way back when. If you notice various places many will post signs, Debit or Cash only. That is because of the transaction cost, and elimination of any "Charge Back" risk that is available to folks using the credit card. IF you have a Debit Card, it can ONLY be used as a debit card. Also if you are asked for PIN code your transaction is being processed as a Debit. The biggest downside is the exposure, debit cards tend to be used much more than credit. Therefore the information is transmitted much more freely, creating greater risk of identity theft. Personnaly we do not have ANY debit cards, and I wont let anyone in our house have one. Sorry, didn't mean to be on a soap box.
Finally, a BIG thank you to Buckeye! He sent or posted on my Facebook page a video of Knotts Berry Farm's, train. The video appears on Lionels "Tracks" portion of their website. It is really well done, and scenery looks great!
Till later, Stay Safe and Be Healthy!
Evening all!
Just checking in. Quick stop.
Damp weather here. Foggy half the morning. Maybe rain tomorrow.
Brent - Happy Belated Birthday
Spring tomorrow!
Have a great day tomorrow all!
Regards, Roy
Good evening all,
Quiet day at work. Did not miss much yesterday. One of the coworkers was out today. Went for a shortened walk today. Was dressed for weather. Traffic was absolute bear coming home. People need to understand the left lane is for passing only and not a free lane to cruise at 69 MPH while backing up 10-20 cars behind them. Ugh. I hope everyone has a good day.
Keep on training,
Mike C. from Indiana
Good morning all,
Chief, glad you got a better diet. That's what I need. Something I can do. Whatever I've been doing doesn't work. Incidentally, Three out of five of our doctors are from foreign countrys. Not sure about religions but it looks like the medical profession is hurting for home grown recruits. Cost of education must be a big factor.
Our grandson has been accepted by several colleges and quite a few scholorships. Has until May to decide which one.
Took his mother out to lunch yesterday which was enjoyable. Stopped by bank to satisfy my wife's curiosity about a thirteen year old savings book. The account had been closed in 2008 and transferred to something else. I new it but had to convince her paranoia.
She has appointment with the shrink today.
Need to tackle income tax preparation soon. Have appointment with tax lady on the 31st.
later,
Ray
SPMan
Mornin' FellasMy bank provides my Debit Card purchases the same level or fraud protection as my Credit Card purchased. Just sayin'Yep - Tuesday was the 44th anniversary of my birth. Spent it watching Season 1 of Vikings, trying to install a CAI on the Durango - had to back it out since I snapped the NPT coupler , the picked Christina up from daycare early and took her to see Cinderella. In all I had a marvelous day and the time spent with Christina was the icing on the cake.
https://brentsandsusanspicutures.shutterfly.com/
Morning all. Back from my new GP Dr. She is young, Arab and Muslin [wears head scarf]. She can out talk me. Knows her stuff. On a diet [been on one as lost 5 lbs in two weeks]. Her's is different. One I can do without starving and still works.
Chilly and suppose to rain. Now gotten below freezing at nights for some time.
Later.
God bless TCA 05-58541 Benefactor Member of the NRA, Member of the American Legion, Retired Boss Hog of Roseyville , KC&D Qualified
Stayed home today. Rested. Needed it. Grandsons left this evening. I think they had a good time. Watched Arrow tonight. Maybe back to villian of the week theme. Watched Flash and Izombie Tuesday night. Izombie is by the same person who did Veronica Mars, so it is worth a watch or two. Will go back to work tomorrow. More fun and games. I hope everyone has a good day.
Kevin from what I have been told no it's still a debit card.
John for some a credit card is not a option
Afternoon all just a lazy day there calling for rain the next two days oh joy. yes I know we could use it just I have a DR. appointment down town Friday and the folks around here don't really know how to drive in sunshiney let alone if it rains/snow
Hi Guys. Hope all are doing well. So glad winter is starting to lose it's grip on us.
I'm very much looking forward to York and some warmer weather!
Charlie a.k.a. MichiganRailRoad714 (Charter Member TTC)
Good morning, Cloudy, 37 and they say it should hit 50 later. I need to restock firewood.Thanks Doug, I copied the links so I will have them later. Looks like a nice place.Hey, Fife, I have a question. Maybe you know the answer. If you use your debit card and run it as a credit purchase is that any better than running it as debit purchase or is it just as bad as long as it is, after all a debit card? On the train front: I ordered one of those mini flash drive video cameras today to use with the trains running on the layout. Hope it works, could be fun.
If it was Brent's birthday yesterday then, Happy Birthday Brent.
Mornin' boys. Breezy & 71 yesterday, clear & 27 today in the Mid-Atlantic region. Sheesh... Just finished watching Guns For Hire on the web (4 parts). Now I need to take apart an old curio cabinet for the trash tonight.
Banksie - no york for me.
Wasn't yesterday Brent's B-day...?
Aloha. Still too cold. But I enjoyed The Day - went to a late afternoon lecture on Irish art and had a Guinness for dinner. Kev, when you go north with your uncle, stop at the Fox River Trolley Museum: http://www.foxtrolley.org/ too - you'd like the trolleys and old CTA trains - a May Sunday might be a good time to hit both. The IRM may finally be working their Frisco steam engine this summer. Check out the 5 web cams at http://irm.org - looks like a nice day on the tracks.
Doug Murphy 'We few, we happy few, we band of brothers...' Henry V.
Long day at work. Staying home tomorrow. Still fighting the cold and all the commotion at work makes it worse. Sometimes you just get tired. Will take it easy tomorrow and return to fight the wars on Thursday. One piece of good news is that one of the pains in the posterior is leaving in 3 weeks. I hope everyone has a good day.
Hello there,
Quick drop in to say. Happy Saint Patrick's day.
According to my late aunt the Wallace side of me came from Scotland in the 1800's. Mom's mom was native American. Her dad seems to be of German decent. Dad's mom was Smith........So that makes me? ???????
Roy......that seems like quite the challenge. Let us know how it works out. Hope it works out for you to make York! !!!
Fife.......how's your York prognosis?
Traindood.......however ya been?
Best get to sleep
Prayers for those in need.
Banks, Proud member of the OTTS TCA 12-67310
Evenin' fellas and gals; Yea, i know it's been a while; however, all is well with me and mine. More updates in the near future, i hope; gotta listen to my guru, the "O" man at 8 PM. later.
Think good thoughts, do good deeds!
Evening gang and Happy St Patrick's Day! Have a green one on me!
Work on regearing a 400E Proto Drive Motor assembly going well. Turned down some heavy duty stainless gears to replace the original thin cut steel gears and all looks good. Also changed from 48 DP to 24 DP gears to double the tooth size so they mesh better. Doing this for an entity that wants to run Std Ga 400E all day long. The stock gears are not made for that And their attempts to do that met with quick drive failures.
Watch out Buckeye! Ohio River ice chocked and flooding. This is good for the South as it will fill the Mississippi and make for better Gulf oysters in the Delta region.
Fife - right you are!
Just found out I may have an April York conflict with an event at my sister's in Houston the 18th. Will have to see if I can make both work.
Oh - it came close to 80 today! Rain tomorrow! It's good.
Have a great evening all!
HAPPY ST. PATRICK'S DAY!
Not a lot going on.
Buckeye I just sent one back as it was in my engine that was a shelf queen it did work when I put it there about 2 years ago and was doing fine when brought it down then all of a sudden it crapped out I mainly had scratching sound over garble. That was the only one that I had a problem with. I got the replacement monday so need to go down there and install it. Guess which engine that did it ( makes sense now I look at it ) hint it's NS sd-40C
Hope all having a good day.
Happy St. Patrick's Day!!! My family arrived from Ireland in 1849 and decided that Ohio a better place to live than NC.
For the first time I have a bad sound board from ERR. This would have been the sixth ERR install to go flawlessly, but......
fifedog Mornin' boys. Overcast and 40-something here in the Mid-Atlantic region. S'posed to rain later. One thing that I'm learning more and more manning the "bridge" is this: STOP using your debit cards for things like gas, fast food, and bars/restaurants. The amount of fraud is staggering, and these places are virtual mine-fields.. Have cash = no worries.
Mornin' boys. Overcast and 40-something here in the Mid-Atlantic region. S'posed to rain later.
One thing that I'm learning more and more manning the "bridge" is this: STOP using your debit cards for things like gas, fast food, and bars/restaurants. The amount of fraud is staggering, and these places are virtual mine-fields..
Have cash = no worries.
I agree, why anyone would ever want debit card is beyond me. Compared to a CC, they have much more risk to the user, but cash is even better. Banks push them because it shifts a lot of the risk to the user that they have with CCs.
With that off my chest, A good St. PATRICK'S DAY to you all. Been a while, but I'm back. I think Spring has arrived in Central PA, at least for a while. There is a chance of a little snow on Friday morning but not much, we hope.
Good morning, Like Doug said nice but colder on the North Bluff also. Fife, your right about someone who can appreciate your work can share same. Seems most people just look over it but miss most of the detail. I can't get my wife to carry cash, but your right, Those cards are a open invitation to disaster. Doug, My uncle and I are planning on a trip up by you to see the Ill. Railroad Museum when the weather is better. It should make a nice day trip for us.And a Happy St. Paddy's Day to those who partake.
Gotta say Hi on St Patrick's Day
Yes There is a lot of Irish in my genes, in my younger days I would be Peeing green by sundown.
Happy St. Paddy's Day to you all! 'Tis a grand, sunny, cold day for celebrating. That Rock Island Alco is a nice set, Kev. Glad you enjoyed the day together.
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