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Cellular Phone Forum / Providers / Sprint PCS / February 2005

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ATTENTION: What are they thinking??

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Robert - 15 Feb 2005 14:37 GMT
Thought I'd pass this along ...

> Google.com has implemented a new feature wherein you can type
someone's
> telephone number into the search bar and hit enter and then you will
be
> given a map to their house.
>
> Note that you can have your phone number removed or blocked. Before
> forwarding this, I tested it by typing my telephone number in
> google.com. My address came up, and when I clicked on the MapQuest
link,
> it actually mapped out where I live. Quite scary. Please look up your
> home number. Read below for details.
>
> Think about it--if a child, ANYONE gives out his/her phone number,
> someone can actually now look it up to find out where he/she lives.
>
> Type your phone number in the search bar (i.e.555-555-1212) and hit
> enter.
>
> If you want to BLOCK Google from divulging your private information,
> simply click on phonebook results link above your phone number and
> scroll down. I removed my name, but it takes 48-hours.
>
> If you are unlisted in the phone book, you might not be in there, but
it
> is a good idea just to check.
>
> You might want to pass this on to friends and family.
Ren? - 15 Feb 2005 14:38 GMT
> Thought I'd pass this along ...

Next time, don't.
No left  turn - 15 Feb 2005 14:55 GMT
Reverse lookup  with maps   has  been  around  for  years....

> Thought I'd pass this along ...
>>
[quoted text clipped - 26 lines]
>>
>> You might want to pass this on to friends and family.
Mike B - 15 Feb 2005 15:10 GMT
> Thought I'd pass this along ...

Don't. Google has been offering the feature for ages. It only works on
listed numbers and thus you could do it yourself with a call to number
Information (555-1212) and a map. And besides, what are you selling here?

FS: My opinion $0.02.

Signature

Mike B

2FarFromNormal - 15 Feb 2005 15:32 GMT
> Thought I'd pass this along ...
>
[quoted text clipped - 34 lines]
>>
>>You might want to pass this on to friends and family.

WOW! Late breaking news that's only several years old.
News film at 11:00.

Compaq pent III  500 mz $200.00
John Hudson - 15 Feb 2005 16:25 GMT
   So basically, what your saying, is that google has maliciously cross
referenced the public phone books listed address's in order to automatically
fill out the address field in their map search so that you can do in a few
clicks, what normally took several page turns from several reference
materials to accomplish?

   Yet another attack on our 1st amendment right to ignorant
bliss....................................

Get a clue............................

> Thought I'd pass this along ...
>>
[quoted text clipped - 26 lines]
>>
>> You might want to pass this on to friends and family.
Doggus - 15 Feb 2005 18:40 GMT
"Get a clue"

Get a new cliche.

F.S. one cliche, older than googles telephone mapping algorithm, hell,
older than dirt itself.  $10.00
John Hudson - 15 Feb 2005 20:07 GMT
   Of course your right... Because nothing is more impressive than a 39
year old white male attempting to sound like a "Yo MTV Raps"
reject.......................

Please, enlighten me!!! What is the latest Hilary Duff wannabe clich?? I'd
love to impress my 13 year old with my inept understanding of teenage psycho
babble.............

> "Get a clue"
>
> Get a new cliche.
>
> F.S. one cliche, older than googles telephone mapping algorithm, hell,
> older than dirt itself.  $10.00
Doggus - 15 Feb 2005 20:32 GMT
The authority on information you seek would be your 13 yo.  Of course
if you wanna impress her, don't ask her first, find one of her friends
and pay her off not to tell.  Who is Hilllary Duff anyway.

F.S.   Incomplete knowledge of current pop culture due to checking out
of after the Dukes of Hazard was cancelled from network television.
However extensive knowledge of NFL football still maintained.  Only 50
duckies.
Mapanarii - 15 Feb 2005 19:51 GMT
"Robert" <prejazz@hotmail.com> wrotenews:1108478275.891792.220070
@g14g2000cwa.googlegroups.com:

> Thought I'd pass this along ...
>>
[quoted text clipped - 26 lines]
>>
>> You might want to pass this on to friends and family.

Do you know there are still morons around who write their ss numbers, have
their home address, home phone and DL numbers on their checks??????

Some illegal alien on probation for rape is working the cash register and
you're going to GIVE him all that info?
Or the women who makes copies of those checks and takes them home for her
ex-con hubby for id theft?

And don't you just love living in an optout society; where it's up to you
to tell people not to f.ck you over and beg them not to publish your
children's home phone number, address on the net?

Are your children, your young boys and girls going to continue giving out
their home phone to schools, friends and anyone who asks for it?  Will
perverts, rapists, child molesters be using Google for stalking?

Safety tip:  Only give out your cell phone.  Anyone who demands your home
phone land line is up to no good.  If you have one.

Signature

---Mapanari---

Notan - 15 Feb 2005 20:05 GMT
> "Robert" <prejazz@hotmail.com> wrotenews:1108478275.891792.220070
> @g14g2000cwa.googlegroups.com:
[quoted text clipped - 37 lines]
> Or the women who makes copies of those checks and takes them home for her
> ex-con hubby for id theft?

SS#s, I'll agree with... There's never a need to put it on a check.

But, a large number of sellers *require* phone numbers or drivers
license numbers... Whether they're printed on the check, or written
by hand, they're still available to those same people you're afraid
of.

Notan
John Richards - 16 Feb 2005 05:20 GMT
> But, a large number of sellers *require* phone numbers or drivers
> license numbers... Whether they're printed on the check, or written
> by hand, they're still available to those same people you're afraid
> of.

There are still people who pay for retail purchases by check?
How quaint. I haven't carried a checkbook for about 10 years now.
Don't you hate being in a checkout line behind someone who
doesn't even begin to fill out their check until all the purchases
are tallied up? Considerate people who insist on using a check
should fill out everything but the amount by the time they get
to the cashier. Unfortunately, most check writers are not
considerate of their fellow human beings or else they'd use a
credit card.

Signature

John Richards

Notan - 16 Feb 2005 05:38 GMT
> > But, a large number of sellers *require* phone numbers or drivers
> > license numbers... Whether they're printed on the check, or written
[quoted text clipped - 10 lines]
> considerate of their fellow human beings or else they'd use a
> credit card.

I, too, can't remember the last retailer I paid, by check.

Along the same lines (no pun intended) as your check writers,
are the check depositers at the drive-up window... Holy sh.t,
folks. Endorse the checks *before* you get to the window!

Notan
Jerome Zelinske - 16 Feb 2005 14:45 GMT
    I am under the impression that it is much safer not to pre endorse
checks in case they are lost or stolen.
Notan - 16 Feb 2005 15:17 GMT
>         I am under the impression that it is much safer not to pre endorse
> checks in case they are lost or stolen.

I'm not suggesting that they be endorsed *too* early, but how
'bout before leaving home/work, on the way to the bank?

The other killer is the people, who, undoubtedly aren't very
good at math, having to balance their checkbooks while in line! <g>

Notan
John Richards - 16 Feb 2005 17:54 GMT
> I am under the impression that it is much safer not to pre endorse
> checks in case they are lost or stolen.

Agreed, but endorsing just before you get to the cashier should be safe.
Usually there is a wait at the checkout line anyway.

Signature

John Richards

Steve Sobol - 16 Feb 2005 06:35 GMT
> to the cashier. Unfortunately, most check writers are not considerate of
> their fellow human beings or else they'd use a
> credit card.

Well, that's... unrealistic.

Not everyone qualifies for or wants to pay the interest on a credit card. And
at least at the grocery store, where I still see a decent number of people
paying with checks, the process has been speeded up to the point that it's not
a big deal.

Signature

JustThe.net - Apple Valley, CA - http://JustThe.net/ - 888.480.4NET (4638)
Steven J. Sobol, Geek In Charge / sjsobol@JustThe.net / PGP: 0xE3AE35ED

"In case anyone was wondering, that big glowing globe above the Victor
Valley is the sun." -Victorville _Daily Press_ on the unusually large
amount of rain the Southland has gotten this winter (January 12th, 2005)

Mij Adyaw - 16 Feb 2005 10:26 GMT
They could pay with ATM cards rather than checks. I do not understand why
they do not use ATM cards.

>> to the cashier. Unfortunately, most check writers are not considerate of
>> their fellow human beings or else they'd use a
[quoted text clipped - 6 lines]
> people paying with checks, the process has been speeded up to the point
> that it's not a big deal.
Thurman - 16 Feb 2005 20:36 GMT
> They could pay with ATM cards rather than checks. I do not understand why
> they do not use ATM cards.

Best go back and read the fine print on your debit card. On the first one a
bank sent me, it's clearly stated that you have two days to report it or ALL
the money drained out of your account is your responsibility.

As for credit cards, few merchants have upgraded to the devices that print
only the last four digits of your credit card number. That leaves a copy for
clerks that may have been screened for drugs but not for other things that
would constitute 'violation of their rights'. In a department store I most
frequently visit, the keypad for pins can be read from ten feet away in a
180 degree circle. That's not secure.
John Richards - 16 Feb 2005 21:04 GMT
> As for credit cards, few merchants have upgraded to the devices that print
> only the last four digits of your credit card number. That leaves a copy for
> clerks that may have been screened for drugs but not for other things

I don't know what mom 'n pop stores you frequent, but probably 100%
of the major stores and 95% of smaller merchants that I use print only
the last 4 digits. In the past 35 years of credit card use, I experienced
only two cases of that type of fraud. Both happened on out-of-town trips,
and both were quickly resolved by the card issuer.  The credit card also
gets me a 5% rebate on purchases at gas stations, drug stores and
grocery stores, and a 1% rebate on everything else. It certainly beats
carrying a lot of cash or messing with checks.

Signature

John Richards

Steve Sobol - 17 Feb 2005 00:58 GMT
> They could pay with ATM cards rather than checks. I do not understand why
> they do not use ATM cards.

I do. ATM card fees are outrageous.

Signature

JustThe.net - Apple Valley, CA - http://JustThe.net/ - 888.480.4NET (4638)
Steven J. Sobol, Geek In Charge / sjsobol@JustThe.net / PGP: 0xE3AE35ED

"In case anyone was wondering, that big glowing globe above the Victor
Valley is the sun." -Victorville _Daily Press_ on the unusually large
amount of rain the Southland has gotten this winter (January 12th, 2005)

Kevin M. - 16 Feb 2005 13:45 GMT
> Not everyone qualifies for or wants to pay the interest on a credit card.

Steve, I'm suprised to hear you say that, as sharp as you usually are.  ;)
We're talking about ATM cards here, not unsecured credit cards.  No one
who has a checking account is denied an ATM card if they ask (at least
I've never heard of anyone being denied, nor would I understand why anyone
would be denied one) so it would stand to reason that everyone should keep
their damn checkbooks at home and embrace the 20th century and use their
ATM cards.

> And at least at the grocery store, where I still see a decent number of
people
> paying with checks, the process has been speeded up to the point that it's not
> a big deal.

Now, some people just CAN'T understand how to use a checking account
without having the checkbook (specifically, the ledger part) in front of
them for EVERY transaction (I know a guy like this) and that's STILL not a
problem.  You just bring the ledger with you and keep the damn checks at
home.  Easy!

It isn't difficult unless one wishes to make it difficult for oneself.

> JustThe.net - Apple Valley, CA - http://JustThe.net/ - 888.480.4NET (4638)
> Steven J. Sobol, Geek In Charge / sjsobol@JustThe.net / PGP: 0xE3AE35ED
> "In case anyone was wondering, that big glowing globe above the Victor
> Valley is the sun." -Victorville _Daily Press_ on the unusually large
> amount of rain the Southland has gotten this winter (January 12th, 2005)

Kevin M.
"Know your enemy, and know yourself; in one-thousand battles
you shall never be in peril." -- Sun Tzu, *The Art of War*
"Contentment... Complacency... Catastrophe!" -- Joseph Chevalier
Steve Sobol - 17 Feb 2005 01:01 GMT
>>Not everyone qualifies for or wants to pay the interest on a credit
>
> card.
>
> Steve, I'm suprised to hear you say that, as sharp as you usually are.  ;)
> We're talking about ATM cards here, not unsecured credit cards.  

Then the proper term is "debit cards" - the person to whom I was replying said
"credit cards."

And the fees for using ATM cards can be very high, even on POS purchases (as
opposed to ATM withdrawals at a bank that isn't yours). Depends on the bank and
the merchant. We have a Bank of America CampusEdge Checking account because my
wife was in the process of getting her bachelor's degree when it was opened.
Was free back then. Is still free because now we're doing direct deposit.
However, merchant fees vary widely from free to over a dollar per transaction...

Signature

JustThe.net - Apple Valley, CA - http://JustThe.net/ - 888.480.4NET (4638)
Steven J. Sobol, Geek In Charge / sjsobol@JustThe.net / PGP: 0xE3AE35ED

"In case anyone was wondering, that big glowing globe above the Victor
Valley is the sun." -Victorville _Daily Press_ on the unusually large
amount of rain the Southland has gotten this winter (January 12th, 2005)

Jerome Zelinske - 17 Feb 2005 10:57 GMT
    That is why when I use my visa check card, I pick credit instead of
debit.  No one sees my pin and I don't get hit with fees.
John Richards - 16 Feb 2005 17:40 GMT
>> to the cashier. Unfortunately, most check writers are not considerate of
>> their fellow human beings or else they'd use a
[quoted text clipped - 3 lines]
>
> Not everyone qualifies for or wants to pay the interest on a credit card. And

I've never paid a penny in credit card finance charges since I always pay
the monthly balance in full. If one is used to 'pay as you go' (checks or debit
card), it should not be a hardship to pay up once a month.

> at least at the grocery store, where I still see a decent number of people
> paying with checks, the process has been speeded up to the point that it's not
> a big deal.

The grocery store checkout line is the most common place where I wait and
fume as check writers slowly begin to write out all the check info AFTER the
purchases have been tallied.
I like the new credit card readers they have at modern checkouts,
where you can swipe and sign right on the screen as the purchases are
being entered by the cashier -- a real time saver.

Signature

John Richards

Steve Sobol - 17 Feb 2005 01:02 GMT
> I've never paid a penny in credit card finance charges since I always pay
> the monthly balance in full.

You obviously have credit cards that have grace periods. Not all cards do. Some
charge interest the day after you make the purchase.

Signature

JustThe.net - Apple Valley, CA - http://JustThe.net/ - 888.480.4NET (4638)
Steven J. Sobol, Geek In Charge / sjsobol@JustThe.net / PGP: 0xE3AE35ED

"In case anyone was wondering, that big glowing globe above the Victor
Valley is the sun." -Victorville _Daily Press_ on the unusually large
amount of rain the Southland has gotten this winter (January 12th, 2005)

TCS - 17 Feb 2005 01:13 GMT
>> I've never paid a penny in credit card finance charges since I always pay
>> the monthly balance in full.

>You obviously have credit cards that have grace periods. Not all cards do. Some
>charge interest the day after you make the purchase.

Can you name a single example?
Notan - 17 Feb 2005 01:16 GMT
> >> I've never paid a penny in credit card finance charges since I always pay
> >> the monthly balance in full.
[quoted text clipped - 3 lines]
>
> Can you name a single example?

The only time I've ever heard of such a thing is for a "cash advance."

Notan
Steve Sobol - 17 Feb 2005 01:54 GMT
>>>I've never paid a penny in credit card finance charges since I always pay
>>>the monthly balance in full.
[quoted text clipped - 3 lines]
>
> Can you name a single example?

The one I've been carrying. :)

Granted, my credit isn't wonderful. (Actually, it's pretty bad.) So the APR
isn't exactly low either.

But not everyone has FICO scores of 650 or 700. There are plenty of other
people in my shoes. (Damn, it's getting crowded in there.)

Signature

JustThe.net - Apple Valley, CA - http://JustThe.net/ - 888.480.4NET (4638)
Steven J. Sobol, Geek In Charge / sjsobol@JustThe.net / PGP: 0xE3AE35ED

"In case anyone was wondering, that big glowing globe above the Victor
Valley is the sun." -Victorville _Daily Press_ on the unusually large
amount of rain the Southland has gotten this winter (January 12th, 2005)

ZJ Driver - 17 Feb 2005 07:51 GMT
> >>>I've never paid a penny in credit card finance charges since I always pay
> >>>the monthly balance in full.
[quoted text clipped - 11 lines]
> But not everyone has FICO scores of 650 or 700. There are plenty of other
> people in my shoes. (Damn, it's getting crowded in there.)

You're still in the wrong portfolio.  Plenty of CC products out there that
aren't sucking people dry.  What FI is your card through?  Try your local
Credit Union.  If you can get qualified for membership try a CU inside the
state of Texas.  Interest rates over 18% are considered usury and being a CU
they are often more forgiving of credit issues.  I walked a credit
challenged friend of mine through the process and into a $500 (yea, small,
but a start) unsecured card with Cap1.  Standard 25 day grace period and (I
think) a fixed 15.9% APR.  Not bad actually for a <600 beacon.  I tried to
point her to her credit union but she has a vehicle there and she's worried
about them cross collateralizing her debt if she gets into trouble.

BTW a FICO of 650 is OK, but nothing to get too excited about.  Above 680
things start getting better, 750+ and companies start fighting over you.
800+ and you write your own ticket, especially if you have decent D/I
numbers..
Steve Sobol - 19 Feb 2005 02:06 GMT
> You're still in the wrong portfolio.  Plenty of CC products out there that
> aren't sucking people dry.  

*Not* when your credit sucks. If you have not-bad-but-not-stellar credit,
that's a horse of a completely different color.

>What FI is your card through?

Aside from the fact that right now I don't want more credit than I already
have, I won't qualify for anything. :) I appreciate the advice, but it doesn't
apply to me.

Signature

JustThe.net - Apple Valley, CA - http://JustThe.net/ - 888.480.4NET (4638)
Steven J. Sobol, Geek In Charge / sjsobol@JustThe.net / PGP: 0xE3AE35ED

"In case anyone was wondering, that big glowing globe above the Victor
Valley is the sun." -Victorville _Daily Press_ on the unusually large
amount of rain the Southland has gotten this winter (January 12th, 2005)

Kelo Graham - 19 Feb 2005 08:28 GMT
I like to watch the people with checking accounts enter the amount and
payee in their ledger.

I just keep a lot of money in my checking account and check my balance
when the statement comes.

CC's get paid in full when statements  come.

I've got plenty of money and plan to get more.

Budgets are for poor people.  
TCS - 19 Feb 2005 14:29 GMT
>I like to watch the people with checking accounts enter the amount and
>payee in their ledger.

>I just keep a lot of money in my checking account and check my balance
>when the statement comes.

>CC's get paid in full when statements  come.

>I've got plenty of money and plan to get more.

>Budgets are for poor people.  

You're confusing reconciling an account with budgeting.  If you don't live
on a budget, you'll be poor pretty soon.  If you're not poor, then you're
living on a budget whether you know it or not.
Michael Lynch - 19 Feb 2005 17:57 GMT
>>> to the cashier. Unfortunately, most check writers are not considerate of
>>> their fellow human beings or else they'd use a
[quoted text clipped - 18 lines]
> the
> purchases have been tallied.

I got so ticked one time--while on an "express" line--when someone waited
till they were fully rung up to *begin* getting out the checkbook that I
just went ahead and told the cashier I'd pay the measly $3.42 (not kidding).
God forbid they observe the "No Checks" sign (for the express line).

But ATM users aren't all brain surgeons either. My peeve on that one are
against the inconsiderate slobs who pull up to the ATM--without pulling all
the way up. They sit there, oblivious to the cars piling up behind them, and
proceed to treat their car like a mobile office--they do everything *except*
prepare the actual deposit (which they don't begin to do until they actually
fully pull up to the ATM). God forbid they get their act together *before*
going to the ATM in the first place. My guess is that they were expecting to
wait in line, and would use that delay to do their paperwork. Since there
was no line the most logical choice (to them) is to begin one by taking 15
minutes to complete a 30-second transaction.

I feel better now.

Signature

Mike

Notan - 19 Feb 2005 18:08 GMT
> <snip>
>
[quoted text clipped - 13 lines]
> was no line the most logical choice (to them) is to begin one by taking 15
> minutes to complete a 30-second transaction.

A while back, I was behind a woman, who, while honoring the "Cash Only"
sign, paid in small change (i.e., pennies, nickles).

Holy sh.t!

Notan
PHILLIP COYLE - 19 Feb 2005 22:24 GMT
About the woman that paid with pennies and nickels. Have you ever stopped to
think that she had dug down to her last money for what ever she had gotten.
Not everyone has more money then they need when they want something. Just
try living on S.S. disaiblty and you will find out what it means to be down
to your last pennies by the second week of the month. I could say a lot mory
but I get so upset with people that can work and still complain about others
instead of stopping to think why did they do something like this. So you got
ticked off and slowed down, well tuff s##t

> > <snip>
> >
[quoted text clipped - 20 lines]
>
> Notan
John Richards - 20 Feb 2005 02:42 GMT
Most of the larger grocery stores have machines that will change
coins into larger denominations. Many banks will do this also.
Just because one is poor doesn't give one the right to
inconvenience everyone else waiting in line.

Signature

John Richards

> About the woman that paid with pennies and nickels. Have you ever stopped to
> think that she had dug down to her last money for what ever she had gotten.
[quoted text clipped - 4 lines]
> instead of stopping to think why did they do something like this. So you got
> ticked off and slowed down, well tuff s##t
Jerome Zelinske - 20 Feb 2005 04:23 GMT
    But they keep some of the money too.
Steven M (remove wax and invalid to reply) - 26 Feb 2005 01:50 GMT
> Most of the larger grocery stores have machines that will change
> coins into larger denominations. Many banks will do this also.
> Just because one is poor doesn't give one the right to inconvenience
> everyone else waiting in line.

Most of those machines charge about 7 cents out of each dollar to do
that.

I agree, it wasn't the most considerate thing for that woman to do
and I'd be annoyed, too.  HOWEVER, (a) it doesn't happen every day,
and (b) We don't know anything else about her life or why she's
paying with small change.

Signature

Steven M - unspam@hal-pc.orgwax.invalid
remove wax and invalid to reply)

   "The scientific theory I like best is that the rings of
    Saturn are composed entirely of lost airline luggage."
         -- Mark Russell

Notan - 26 Feb 2005 02:07 GMT
> > Most of the larger grocery stores have machines that will change
> > coins into larger denominations. Many banks will do this also.
[quoted text clipped - 8 lines]
> and (b) We don't know anything else about her life or why she's
> paying with small change.

Point taken.

But there's also the possibility that she wasn't even aware that
anyone else was in the store.

Aaahh, ignorance is bliss! <g>

Notan
Notan - 20 Feb 2005 02:50 GMT
> About the woman that paid with pennies and nickels. Have you ever stopped to
> think that she had dug down to her last money for what ever she had gotten.
[quoted text clipped - 4 lines]
> instead of stopping to think why did they do something like this. So you got
> ticked off and slowed down, well tuff s##t

It had nothing to do with small change being the only thing she had.

In order to get to the small change, she first had to remove the wad
of bills from her purse.

The "Express Lane" is for people who just need to "get in and get out."

Don't like my answer? "well tuff s##t"

Notan
Bill Viverette - 20 Feb 2005 03:13 GMT
Can we say "anal"....?

Bill
Notan - 20 Feb 2005 05:55 GMT
> Can we say "anal"....?

Just out of curiosity, how is that "anal?"

Notan
Bill Viverette - 20 Feb 2005 14:08 GMT
Endlessly analytical, perhaps?

Okay....maybe they are just chatty.  And these are, after all, the
alt.ATMchat and ATM.forsale newsgroups, no?

Bill
Notan - 20 Feb 2005 15:04 GMT
> Endlessly analytical, perhaps?
>
> Okay....maybe they are just chatty.  And these are, after all, the
> alt.ATMchat and ATM.forsale newsgroups, no?

It's not at all uncommon to go off on tangents in this,
and many other, newsgroups.

I suspect that this thread will die off, very soon....
Some go on for months!

Notan
John Richards - 20 Feb 2005 02:32 GMT
> But ATM users aren't all brain surgeons either. My peeve on that one are
> against the inconsiderate slobs who pull up to the ATM--without pulling all
[quoted text clipped - 6 lines]
> was no line the most logical choice (to them) is to begin one by taking 15
> minutes to complete a 30-second transaction.

I avoid having to use an ATM by:
a) having my paycheck direct deposited
b) not needing much cash since I pay for everything by CC
c) once a week I get cash by using a debit card at the grocery store
for $50 over the amount of purchase. Grocery stores don't charge debit
card fees, unlike the local Arco gas stations which I won't patronize
for that reason.

Signature

John Richards

Tinman - 20 Feb 2005 09:06 GMT
>> But ATM users aren't all brain surgeons either. My peeve on that one
>> are against the inconsiderate slobs who pull up to the ATM--without
[quoted text clipped - 16 lines]
> I avoid having to use an ATM by:
> a) having my paycheck direct deposited

I don't have to deposit paychecks, but do get the occasional rebate
check, gift check, etc. and if it's after-hours I'll use the ATM lane to
make the deposit. Even so, I always grab a spare deposit envelope so
that I can have it prepared before driving up to the ATM, on the next
trip.

> b) not needing much cash since I pay for everything by CC
> c) once a week I get cash by using a debit card at the grocery store
> for $50 over the amount of purchase.

I prefer to not mix a purchase and a withdrawal into one transaction,
regardless of how many places offer that option. When I see "Safeway
$142.18" I know for sure it was groceries.

> Grocery stores don't charge debit
> card fees, unlike the local Arco gas stations which I won't patronize
> for that reason.

Well, at least you can pay at the pump with cash. And their gas prices
are pretty cheap. Although I don't usually fill up there due to the
debit-card-only (with a fee) policy, I would use cash more often if the
machines were able to give change (I see no point in paying with cash at
the pump--at least for a fill-up--if you must then go inside to get
change).

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Mike

Steve Sobol - 20 Feb 2005 17:59 GMT
> Well, at least you can pay at the pump with cash. And their gas prices
> are pretty cheap. Although I don't usually fill up there due to the
> debit-card-only (with a fee) policy, I would use cash more often if the
> machines were able to give change (I see no point in paying with cash at
> the pump--at least for a fill-up--if you must then go inside to get
> change).

The whole reason (or at least the major reason) Arco gas is as cheap as it is
is because they don't have the expense of accepting credit cards. Debit cards
are cheaper to accept in the first place, and they're offsetting the cost
further by charging the fee. None of the company-owned stores accept credit,
and only a couple of the dealers in this area do.

Personally, I don't mind paying the fee. Valero/Beacon/Ultramar is usually
within a couple cents and they do accept credit, but there are a lot more Arco
stations in this area. But I don't mind paying the fee because the alternative
is patronizing a certain company that can be 15-20 cents per gallon more
expensive... and this is the oil company that reportedly tripled their profits
last year...

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JustThe.net - Apple Valley, CA - http://JustThe.net/ - 888.480.4NET (4638)
Steven J. Sobol, Geek In Charge / sjsobol@JustThe.net / PGP: 0xE3AE35ED

"In case anyone was wondering, that big glowing globe above the Victor
Valley is the sun." -Victorville _Daily Press_ on the unusually large
amount of rain the Southland has gotten this winter (January 12th, 2005)

John Richards - 21 Feb 2005 01:09 GMT
> Well, at least you can pay at the pump with cash. And their gas prices
> are pretty cheap. Although I don't usually fill up there due to the
> debit-card-only (with a fee) policy, I would use cash more often if the
> machines were able to give change (I see no point in paying with cash at
> the pump--at least for a fill-up--if you must then go inside to get
> change).

Exactly. Who wants to wait twice in a cashier's line just to get a
gas fill-up. I don't think the Arco savings justify my waiting even
once in a cashier line. Even at three cents a gallon difference I'd rather
gas up at a station with a CC reader.

Signature

John Richards

Jerome Zelinske - 20 Feb 2005 04:19 GMT
    Our grocery store chain does not restrict payment methods for the
express line.
Tinman - 20 Feb 2005 08:48 GMT
> Our grocery store chain does not restrict payment methods for the
> express line.

Well aren't they special. My primary grocery store doesn't have that
problem anymore though: all of the express lanes are self-serve. The
machines have no means to accept checks. The I-live-out-of-my-checkbook
crowd can either join the 21st century or get on a non-express line.

'Course I don't even want to get into what it's like watching people
fail at operating the brain-dead-simple self-serve equipment (the thing
*talks* to you for crying out loud--all ya' have to do is pay
attention).

Signature

Mike

John Richards - 21 Feb 2005 00:48 GMT
>> Our grocery store chain does not restrict payment methods for the
>> express line.
[quoted text clipped - 8 lines]
> *talks* to you for crying out loud--all ya' have to do is pay
> attention).

Yes, I really like the self-serve checkouts. Not only is there no
waiting for check writers, there also are no chatty cashiers who
want to talk about the weather, their latest medical problems, etc.

Signature

John Richards

Jerome Zelinske - 16 Feb 2005 14:41 GMT
    I take many checks a day, and I am only one of the cashiers.  Almost
all are not begun to be filled out in advance.  I pay extra
attention/scrutiny if I notice a check is filled out in advance,
especially if it is signed in advance.
    I do take more credit/debit card sales than paper checks and we now
have Pay By Touch which can be credit, debit, or express checking.
Jerome Zelinske - 16 Feb 2005 14:32 GMT
    Yes, the first time someone writes a check on one of our stores, we
have to write their DL# on the check and enter it into our computer.
John Richards - 16 Feb 2005 17:51 GMT
> Yes, the first time someone writes a check on one of our stores, we
> have to write their DL# on the check and enter it into our computer.

Many merchants also want a home telephone number and address, if
it's not already preprinted on the check. If I was a merchant, I'd insist
on that type of ID because without it, they'd get burned with many bad
checks.

From a consumer privacy standpoint, I'd rather have the merchant get
my credit card number or ATM/debit card number. If any fraud is
committed with that information, the bank guarantees to cover me.

Signature

John Richards

Jerome Zelinske - 17 Feb 2005 11:03 GMT
    We don't need the phone number, but the address on the check and DL
better match.
God Bless Texas - 15 Feb 2005 20:27 GMT
> Do you know there are still morons around who write their ss numbers, have
> their home address, home phone and DL numbers on their checks??????

Easier than reciting it every time I try to pass paper.

> Some illegal alien on probation for rape is working the cash register and
> you're going to GIVE him all that info?
> Or the women who makes copies of those checks and takes them home for her
> ex-con hubby for id theft?

I don't shop where you do, obviously.

> And don't you just love living in an optout society; where it's up to you
> to tell people not to f.ck you over and beg them not to publish your
> children's home phone number, address on the net?

Who has tried this with your kids' phone number and address?

> Are your children, your young boys and girls going to continue giving out
> their home phone to schools, friends and anyone who asks for it?  Will
> perverts, rapists, child molesters be using Google for stalking?

Um, if they don't give their home phone number to friends, their friends
wouldn't be able to reach them.

Not a problem for you, we understand, but for most of us it would be.

> Safety tip:  Only give out your cell phone.  Anyone who demands your home
> phone land line is up to no good.  If you have one.

I have a good.  Sounds like you don't.
Sparx Fligh - 16 Feb 2005 02:25 GMT
> "Robert" <prejazz@hotmail.com> wrotenews:1108478275.891792.220070
> @g14g2000cwa.googlegroups.com:
[quoted text clipped - 48 lines]
> Safety tip:  Only give out your cell phone.  Anyone who demands your home
> phone land line is up to no good.  If you have one.

> ---Mapanari---

Not to mention all those that offer cash for your soiled panties. What's up
with that?
And old secretive men that like to hang around the Men's room at subway
stations, the ones that keep looking at you out of the corner of their eye
while they wash their hands. The ones that are always dressed way too warm
for the weather.
And women in their 50's that still wear their hair real long, and wear thick
pancake makeup and actually enjoy feeding live white mice to their pet
snakes that they keep in the dining room, of all places!
What if all those people start using Google?
Shoot me now!!!!!!!!!!!!!
 
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