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| Online banking is such a time saver | |
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| Topic Started: Apr 21 2013, 04:44 AM (854 Views) | |
| goldengal | Apr 21 2013, 04:44 AM Post #1 |
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Mistress, House of Dogs
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In 2006 I commenced using online banking. For a few years I still received statements in the mail, but then opted to receive them online, as well as Visa, phone bill, 407 ETR, even car insurance. This past week I decided to go through my 4 drawer legal size filing cabinet and discard everything possible. I only have a dinky shredder, and have been shredding for going on 2 hours. I also found a box of cancelled cheques (does anyone receive them any more?) and statements from '98 through 2005. I have whittled the contents of the filing cabinet from 4 drawers full to 1-1/2. This surely has to save banks and stores money inasmuch as they do not have to print out and mail out statements, and it saves me time and money as I do not print anything off since it is available on line. Take care, Pat |
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| Darcie | Apr 21 2013, 05:07 AM Post #2 |
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Skeptic
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Sure is handy for me as well, I enjoy being able to send money on line or get it (interact), pay my bills etc. The only person who insists on cheques is my landlady, she is weird in other ways also. Forgot to say that I have one drawer of files, this also includes a lot of information. Edited by Darcie, Apr 21 2013, 05:07 AM.
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| helen_t | Apr 21 2013, 05:07 AM Post #3 |
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Red Star Member
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I agree wholeheartedly :) |
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| goldengal | Apr 21 2013, 05:13 AM Post #4 |
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Mistress, House of Dogs
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Montana is afraid of the shredder since it makes a noise whereas Harley wants to get in and see what makes it tick. I even had a file on my last Golden Retriever that was about 2" thick. I had saved every vet bill over the 9 years? Why? Does anyone else find as we are aging we want to dispose of as much as possible so it will not become someone elses responsibility? Take care, Pat |
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| Delphi51 | Apr 21 2013, 05:17 AM Post #5 |
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Member title
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I'm an online banker, too. Still getting some paper in the mail, though. I don't know how to stop it, and when asking a question about something the bank still wants to see it on the paper. I have no shredder but I do have a wood stove. When we go camping, I take a box of papers along and burn them n the campfire. I wish I could get in the habit of cutting out names and account numbers as soon as I receive these papers; the rest would then be ready for the garbage or recycling. |
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| goldengal | Apr 21 2013, 05:26 AM Post #6 |
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Mistress, House of Dogs
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That would be a good idea Delphi. The only statement I still receive is Amex (Costco). I have asked to receive it online, but somehow still keep receiving it in the mail. I'll start cutting the name and account number off in future. Take care, Pat |
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| haili | Apr 21 2013, 05:57 AM Post #7 |
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Gold Star Member
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Cutting out the names is a good idea and the other one I heard from a police woman is to soak the paper in warm water for a few minutes, which then makes it unreadable. Sometimes I do that if it's just a couple of things and then put it out with the garbage. Coffee grounds and tea bags dripping on it would also help. It all composts eventually or you can put it in with the recycle compost stuff. |
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| goldengal | Apr 21 2013, 06:27 AM Post #8 |
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Mistress, House of Dogs
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The only item left I should tackle is income tax returns. Just checked, and I have them going back to '98 so sometime next week I'll discard them back to 2006. Take care, Pat |
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| imjene | Apr 21 2013, 07:15 AM Post #9 |
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Gold Star Member
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I also do online banking, but still get the paper statements. With all of the weirdness going on in the world, I sometimes worry about the internet going down and having no records that I can lay my hands on. |
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| Deleted User | Apr 21 2013, 11:07 AM Post #10 |
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Deleted User
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I do all of our banking and investing and bill paying online, too, but like IMjene's, worry about a major Internet collapse. So I keep paper copies of everything for the seven years that you can be ubject to an audit, and thereafter, just copies of tax records, stock transfers, and capital improvements to our property. |
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| swing | Apr 21 2013, 12:27 PM Post #11 |
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swing
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We have electronic pic pocketers now. They have electronic scanners that can scan your purse and you're not even aware! My hubby ordered these protective sleeves online. I understand Staples has them as well. http://www.idstronghold.com/protect-your-information.asp |
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| wildie | Apr 21 2013, 04:11 PM Post #12 |
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Veteran Member
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Bell Canada my TV, phone, cell and internet provider instigated a $2/month surcharge if I want to continue receiving paper. I think that they should have passed some of the savings back to the customer, rather than penalize those who want to continue on with hard copy. And how about those who aren't computer savvy! |
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| helen_t | Apr 21 2013, 04:33 PM Post #13 |
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Red Star Member
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Pat, I still have some of Tony's returns from 96 - 98. Shredded all the others but somehow found these, such a lot of paper though. |
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| Delphi51 | Apr 21 2013, 05:33 PM Post #14 |
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Member title
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I forgot about that RFID pocket picking. Just looked it up on Snopes and Wikipedia. http://www.snopes.com/fraud/identity/pickpocket.asp Looks like it is not much of a threat and snopes has marked the fear of it as a scam. I had a remote reading credit card for a year or two but it had to be very close to the Pay Pass reader. Now my cards don't do that - the chip cards have to be inserted to be read. Americans don't seem to have chip cards. Can they still buy gas without swiping the card? I see all Walmart products have RFID tags. The bad guys can tell what clothing I'm wearing but they can't get my credit card number. |
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| Trotsky | Apr 22 2013, 12:09 AM Post #15 |
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Big City Boy
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Internet collapse >>>Paper. So I have taxes back to my 1950's high school job. Bank statements and checks back 40 years...but now the checks are tiny icons on the statements. I have a bill of sale for a 1968 Chevvy Imapala, a 1973 Olds 98, a 1988 Hyundai Excel. I have lease statements from 2 apartments ago. I have warranty papers from dozens of things that were long ago dumpstered. I am of the firm opinion that there is absolutely NO need to have any paprwork UNTIL the day after you throw it out. |
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