@Darin said:
A question for you guys with online accounts. I’m thinking of opening one with draft kings. Do you use a credit card to put money in the account?
Hi Darin
Draft Kings accepts debit card, paypal, Venmo and CC
I use my debit card and I've never had any issues withdrawing or depositing funds
It's instant
Same here. I use a debit card that is from a different bank than my main bank. I just keep a small balance in that bank for online transactions, usually less than a thou. If the account is ever hacked, and the bank won't refund my money, the most they're gonna get me for is a thou.
However nobody in sports betting history, has ever won two MLB games in one day. So considering I already won one today, the odds of me winning this game are highly unlikely.
@Darin said:
A question for you guys with online accounts. I’m thinking of opening one with draft kings. Do you use a credit card to put money in the account?
Hi Darin
Draft Kings accepts debit card, paypal, Venmo and CC
I use my debit card and I've never had any issues withdrawing or depositing funds
It's instant
Same here. I use a debit card that is from a different bank than my main bank. I just keep a small balance in that bank for online transactions, usually less than a thou. If the account is ever hacked, and the bank won't refund my money, the most they're gonna get me for is a thou.
I think the biggest threat is information stealing, idk but I have my credit frozen unless I need to ever access my credit
I bought a new truck in December and I was able to unfreeze and then freeze my credit in about 5 minutes
@bgr said:
Using a debit card online is one of the bravest things someone can do. You throw caution into the wind and let it blow back into your face… and then you eat the caution.
Thousands of online transactions with my debit card and not problem number one so far
My bank is extremely secure, I would imagine using some janky clown show small private bank would present problems though for sure.
I was just joking around but also referring to the liability placement on debit vs credit where fraud is involved.
@Darin said:
A question for you guys with online accounts. I’m thinking of opening one with draft kings. Do you use a credit card to put money in the account?
Hi Darin
Draft Kings accepts debit card, paypal, Venmo and CC
I use my debit card and I've never had any issues withdrawing or depositing funds
It's instant
Same here. I use a debit card that is from a different bank than my main bank. I just keep a small balance in that bank for online transactions, usually less than a thou. If the account is ever hacked, and the bank won't refund my money, the most they're gonna get me for is a thou.
I think the biggest threat is information stealing, idk but I have my credit frozen unless I need to ever access my credit
I bought a new truck in December and I was able to unfreeze and then freeze my credit in about 5 minutes
Not a bad idea with all the chit going on out there these days.
I've seen on some Youtube videos, places in various countries, large rooms with dozens of scammers in there, on the telephone and online. Whose job it is to steal as much money from Americans as possible.
@bgr said:
Using a debit card online is one of the bravest things someone can do. You throw caution into the wind and let it blow back into your face… and then you eat the caution.
Thousands of online transactions with my debit card and not problem number one so far
My bank is extremely secure, I would imagine using some janky clown show small private bank would present problems though for sure.
I was just joking around but also referring to the liability placement on debit vs credit where fraud is involved.
Idk for my bank I think it's pretty solid on fraud, about 10.years ago I got a random call from my bank asking me if I bought plane tickets from Turkey to France lol, they instantly put my money back in my account and canceled my card
Draft kings has pretty good security measure as well, there is a number they send to my cell that I have to punch in before any withdrawal
But who knows, I could get robbed tonight for saying I'm feeling pretty safe lol
First and foremost don’t trust anything I tell you even if I am trying to be helpful. I only mention this because of some of the horror stories I’ve heard about people getting cleaned out and banks not being very helpful when it comes to debit.
The basic state is that credit cards add a buffer between the money in your account and the fraud. You can dispute it before you’ve paid. With debit transactions there is no buffer and you need to fight to get your money back - in those bad cases I suppose. When fraud is invoked there is federal protection which limits your liability to $50. There are federal protections for debit fraud but, the process requires you to take steps within certain amounts of time to have any protection at all, and when you get it, it’s much weaker.
I don’t want to see anyone lose money to scammers.
@bgr said:
Using a debit card online is one of the bravest things someone can do. You throw caution into the wind and let it blow back into your face… and then you eat the caution.
Thousands of online transactions with my debit card and not problem number one so far
My bank is extremely secure, I would imagine using some janky clown show small private bank would present problems though for sure.
I was just joking around but also referring to the liability placement on debit vs credit where fraud is involved.
Idk for my bank I think it's pretty solid on fraud, about 10.years ago I got a random call from my bank asking me if I bought plane tickets from Turkey to France lol, they instantly put my money back in my account and canceled my card
Draft kings has pretty good security measure as well, there is a number they send to my cell that I have to punch in before any withdrawal
But who knows, I could get robbed tonight for saying I'm feeling pretty safe lol
As much as that infuriates me, these stinking squatters infuriate me even more. I mean they are stealing somebody's home for crying out loud. In some states, it could take months or even years to remove them.
Some of these squatters have it down to a science. When the local cops come, the vermin present the cops with all sorts of phony deeds, rental contracts, or whatever. The cops get confused and tell the property owner they will have to take it up in civil court.
just my experiences forthcoming. i've been the unfortunate recipient of unauthorized activity many times. in fact, it happened with my debit and one of my credit cards on the same day just a week or so ago. scapegrace human beings are more shrewd and more sophisticated than ever before. truthfully, it's really kinda impressive. i have a story about my parents that would blow you guys away. they pray on the elderly, who tend to be less formed but far more trusting. i'll share it sometime.
but equally impressive -- if not more -- is the protection that financial institutions have provided. all of the aforementioned attempts in my past have resulted in a cumulative loss of zero dollars and zero cents. they always have my back. they understand the proliferation involved. and boy are they proficient at flagging nefarious tries. rarely does the puck blow through the wickets.
@bgr said:
First and foremost don’t trust anything I tell you even if I am trying to be helpful. I only mention this because of some of the horror stories I’ve heard about people getting cleaned out and banks not being very helpful when it comes to debit.
The basic state is that credit cards add a buffer between the money in your account and the fraud. You can dispute it before you’ve paid. With debit transactions there is no buffer and you need to fight to get your money back - in those bad cases I suppose. When fraud is invoked there is federal protection which limits your liability to $50. There are federal protections for debit fraud but, the process requires you to take steps within certain amounts of time to have any protection at all, and when you get it, it’s much weaker.
I don’t want to see anyone lose money to scammers.
@galaxy27 said:
just my experiences forthcoming. i've been the unfortunate recipient of unauthorized activity many times. in fact, it happened with my debit and one of my credit cards on the same day just a week or so ago. scapegrace human beings are more shrewd and more sophisticated than ever before. truthfully, it's really kinda impressive. i have a story about my parents that would blow you guys away. they pray on the elderly, who tend to be less formed but far more trusting. i'll share it sometime.
but equally impressive -- if not more -- is the protection that financial institutions have provided. all of the aforementioned attempts in my past have resulted in a cumulative loss of zero dollars and zero cents. they always have my back. they understand the proliferation involved. and boy are they proficient at flagging nefarious tries. rarely does the puck blow through the wickets.
Glad ya lost no money, that's the main thing.
I mentioned the Youtube videos. Also in some countries which would be considered impoverished, organized crime literally employs some entire villages to scam Americans. The problem is that US law enforcement can't do anything about it. They are beyond US legal jurisdiction. So these criminals basically operate with impunity.
Nigeria is notorious for this. I think probably everyone is familiar with their infamous "you've just won ten million dollars" scam. All ya need to do is wire them 50k for the processing fee, wait a few weeks, and the money will be sent to you. To this day, I still get a few of these emails a year.
The scam I can’t believe anyone would fall for but it’s happened a few times lately is the scammer contacts you, tells you to buy like 200-500k worth of gold or however much you can afford, then deliver the gold to a certain address. They say if you don’t you’re in serious trouble with the law or US government or whatever.
Lately some elderly folks have fallen for this, possibly with a touch of dementia or way too trusting of people.
So I’m trying to join draft kings and Robinhood and apparently my Apple ID isn’t correct. Can’t download the apps. Going to the phone store tomorrow to get it fixed or whatever I have to do. Believe it or not I’ve never downloaded an app before.
Anyone need me to buy a crap load of gold while I’m in town?
@Darin said:
The scam I can’t believe anyone would fall for but it’s happened a few times lately is the scammer contacts you, tells you to buy like 200-500k worth of gold or however much you can afford, then deliver the gold to a certain address. They say if you don’t you’re in serious trouble with the law or US government or whatever.
Lately some elderly folks have fallen for this, possibly with a touch of dementia or way too trusting of people.
Funny story and 100% true
I got a text stating that my family was in danger and I needed to send a $1000 to a link that was going to be sent to me, so I called the number and some Spanish speaking guy with broken english answered and started screaming at me saying how much trouble I was in, I started yelling back the most vile disturbing things you could probably not even imagine to the point that this guy actually hung up on me, well I called back and again we had a shouting match, he hung up, I called him back relentlessly until he blocked my number lol
I've gotten a few variety of scam attempts directed at me over the years but that was my favorite lol
@Darin said:
So I’m trying to join draft kings and Robinhood and apparently my Apple ID isn’t correct. Can’t download the apps. Going to the phone store tomorrow to get it fixed or whatever I have to do. Believe it or not I’ve never downloaded an app before.
Anyone need me to buy a crap load of gold while I’m in town?
A good friend of mine has a Robinhood account. Very reputable company, no problems there.
He's never been much of a gambler, just mainly small stakes neighborhood poker games and such. He opened up his Robinhood account, I guess around four or five years ago, and he really enjoys it. He's told me some days he makes three or four trades on everything under the sun. No big dollar volume. For example he can buy a "slice" of an expensive item such as a high priced stock for say five dollars. If it goes up he quickly sells it for a profit. He just likes the action of it more than anything else. He doesn't even need the money. It's more like a video game of sorts to him.
Not sure if Robinhood offers sports betting or not? He's never mentioned that to me one way or the other.
@Darin said:
The scam I can’t believe anyone would fall for but it’s happened a few times lately is the scammer contacts you, tells you to buy like 200-500k worth of gold or however much you can afford, then deliver the gold to a certain address. They say if you don’t you’re in serious trouble with the law or US government or whatever.
Lately some elderly folks have fallen for this, possibly with a touch of dementia or way too trusting of people.
You're exactly right, it's the infirm of mind elderly who are their favorite target.
thanks. but i'm a weird gambler. sometimes i root against myself. i don't dislike Scheffler, but i really like Hovland. very humble kid. i wanted his putt on 18 to go down (he missed by an inch or so). would not at all mind seeing him win tomorrow, but if Scottie does, i obviously will be a-ok with that outcome as well.
Forgot to mention this, probably because I've had caller ID for so long, it's like second nature to me now. That being said, it's possible many elderly may have older phones with no caller ID.
We've instructed everyone in our family, young or old, to get a phone with caller ID, and they have. And make sure the outgoing phone call uses caller ID. The instructions are do not pickup the phone without first looking at the caller ID. If it's a name you do not know, or a number without a name, don't ever pick it up. Most folks these days have answering machines with voice mail built in. Worse case scenario, if it's somebody new who you'd like to speak to, let them leave a voice mail, and you can simply call them back.
But again i must emphasize, do not pick up the phone to a strange name or number. The big problem with doing that, is a scammer even if they're unsuccessful at scamming the target on a particular call. Will then know that there's a live body answering the phone on the other end of the line, and will call back again and again at some future date.
There's also phone "scammer services" that simply call countless numbers each day, just to test if someone answers the phone or not. When you answer the phone, it places you on a sort of cream phone number list, and the service sells those phone numbers to scammer organizations.
A priority of course is your elderly parents. Giving them this phone system, and coming over and setting it up for them, makes for a very nice holiday present, or frankly a nice present any time.
Comments
Same here. I use a debit card that is from a different bank than my main bank. I just keep a small balance in that bank for online transactions, usually less than a thou. If the account is ever hacked, and the bank won't refund my money, the most they're gonna get me for is a thou.
I like the Yankees in the 7:20 game.
However nobody in sports betting history, has ever won two MLB games in one day. So considering I already won one today, the odds of me winning this game are highly unlikely.
I think the biggest threat is information stealing, idk but I have my credit frozen unless I need to ever access my credit
I bought a new truck in December and I was able to unfreeze and then freeze my credit in about 5 minutes
I was just joking around but also referring to the liability placement on debit vs credit where fraud is involved.
Not a bad idea with all the chit going on out there these days.
I've seen on some Youtube videos, places in various countries, large rooms with dozens of scammers in there, on the telephone and online. Whose job it is to steal as much money from Americans as possible.
Idk for my bank I think it's pretty solid on fraud, about 10.years ago I got a random call from my bank asking me if I bought plane tickets from Turkey to France lol, they instantly put my money back in my account and canceled my card
Draft kings has pretty good security measure as well, there is a number they send to my cell that I have to punch in before any withdrawal
But who knows, I could get robbed tonight for saying I'm feeling pretty safe lol
First and foremost don’t trust anything I tell you even if I am trying to be helpful. I only mention this because of some of the horror stories I’ve heard about people getting cleaned out and banks not being very helpful when it comes to debit.
The basic state is that credit cards add a buffer between the money in your account and the fraud. You can dispute it before you’ve paid. With debit transactions there is no buffer and you need to fight to get your money back - in those bad cases I suppose. When fraud is invoked there is federal protection which limits your liability to $50. There are federal protections for debit fraud but, the process requires you to take steps within certain amounts of time to have any protection at all, and when you get it, it’s much weaker.
I don’t want to see anyone lose money to scammers.
As much as that infuriates me, these stinking squatters infuriate me even more. I mean they are stealing somebody's home for crying out loud. In some states, it could take months or even years to remove them.
Some of these squatters have it down to a science. When the local cops come, the vermin present the cops with all sorts of phony deeds, rental contracts, or whatever. The cops get confused and tell the property owner they will have to take it up in civil court.
just my experiences forthcoming. i've been the unfortunate recipient of unauthorized activity many times. in fact, it happened with my debit and one of my credit cards on the same day just a week or so ago. scapegrace human beings are more shrewd and more sophisticated than ever before. truthfully, it's really kinda impressive. i have a story about my parents that would blow you guys away. they pray on the elderly, who tend to be less formed but far more trusting. i'll share it sometime.
but equally impressive -- if not more -- is the protection that financial institutions have provided. all of the aforementioned attempts in my past have resulted in a cumulative loss of zero dollars and zero cents. they always have my back. they understand the proliferation involved. and boy are they proficient at flagging nefarious tries. rarely does the puck blow through the wickets.
Noted and much appreciated
Glad ya lost no money, that's the main thing.
I mentioned the Youtube videos. Also in some countries which would be considered impoverished, organized crime literally employs some entire villages to scam Americans. The problem is that US law enforcement can't do anything about it. They are beyond US legal jurisdiction. So these criminals basically operate with impunity.
Nigeria is notorious for this. I think probably everyone is familiar with their infamous "you've just won ten million dollars" scam. All ya need to do is wire them 50k for the processing fee, wait a few weeks, and the money will be sent to you. To this day, I still get a few of these emails a year.
Yay, broke thru the $400 mark for the first time. Will still be there even if the Yankees lose tonight as that bet was already in.
Staying disciplined, grinding, and using every profit boost. 😊
The scam I can’t believe anyone would fall for but it’s happened a few times lately is the scammer contacts you, tells you to buy like 200-500k worth of gold or however much you can afford, then deliver the gold to a certain address. They say if you don’t you’re in serious trouble with the law or US government or whatever.
Lately some elderly folks have fallen for this, possibly with a touch of dementia or way too trusting of people.
So I’m trying to join draft kings and Robinhood and apparently my Apple ID isn’t correct. Can’t download the apps. Going to the phone store tomorrow to get it fixed or whatever I have to do. Believe it or not I’ve never downloaded an app before.
Anyone need me to buy a crap load of gold while I’m in town?
Funny story and 100% true
I got a text stating that my family was in danger and I needed to send a $1000 to a link that was going to be sent to me, so I called the number and some Spanish speaking guy with broken english answered and started screaming at me saying how much trouble I was in, I started yelling back the most vile disturbing things you could probably not even imagine to the point that this guy actually hung up on me, well I called back and again we had a shouting match, he hung up, I called him back relentlessly until he blocked my number lol
I've gotten a few variety of scam attempts directed at me over the years but that was my favorite lol
A good friend of mine has a Robinhood account. Very reputable company, no problems there.
He's never been much of a gambler, just mainly small stakes neighborhood poker games and such. He opened up his Robinhood account, I guess around four or five years ago, and he really enjoys it. He's told me some days he makes three or four trades on everything under the sun. No big dollar volume. For example he can buy a "slice" of an expensive item such as a high priced stock for say five dollars. If it goes up he quickly sells it for a profit. He just likes the action of it more than anything else. He doesn't even need the money. It's more like a video game of sorts to him.
Not sure if Robinhood offers sports betting or not? He's never mentioned that to me one way or the other.
You're exactly right, it's the infirm of mind elderly who are their favorite target.
Yankees, no hits after 6 innings. I just cashed out. Surprised there was still 32% equity. I didn't feel like sitting thru that chit any longer.
If they suddenly wake-up, come back and win, then so be it.
you guys ready for a dead heat lesson? is everyone present? Bueller? Bueller? anyone? Bueller?
Wager: 150$ on Justin Thomas to finish in the top 20
Odds: +100
Finish: T14 with 7 other golfers
7 places (14, 15, 16, 17, 18, 19, 20), 8 total golfers. that won't work. thus, dead heat rules apply.
the math:
150 x 7 (places)/8 (golfers) = 131.25............in other words, due to the dead heat, my initial bet was reduced from 150 to 131.25. 18.75 was lost.
so,
131.25 x 1 = 131.25...........my "new" bet amount times the odds equals how much i "won"
131.25 + 131.25 = 262.50............my "new" bet amount plus the amount i "won" equals the amount i get back
262.50 - 150 = 112.50...........the amount i get back minus my original bet equals the ACTUAL amount i ended up winning
therefore, the dead heater with one extra golfer cost me 37.50 (150 - 112.50)
no complaints. had he missed his final putt of the day (a 5-footer), i would have won a grand total of minus one hundred fifty dollars
a short, unannounced academic test forthcoming...
Not bad, and you're alive with Scottie tomorow.
thanks. but i'm a weird gambler. sometimes i root against myself. i don't dislike Scheffler, but i really like Hovland. very humble kid. i wanted his putt on 18 to go down (he missed by an inch or so). would not at all mind seeing him win tomorrow, but if Scottie does, i obviously will be a-ok with that outcome as well.
up, up and away! 🍻
Forgot to mention this, probably because I've had caller ID for so long, it's like second nature to me now. That being said, it's possible many elderly may have older phones with no caller ID.
We've instructed everyone in our family, young or old, to get a phone with caller ID, and they have. And make sure the outgoing phone call uses caller ID. The instructions are do not pickup the phone without first looking at the caller ID. If it's a name you do not know, or a number without a name, don't ever pick it up. Most folks these days have answering machines with voice mail built in. Worse case scenario, if it's somebody new who you'd like to speak to, let them leave a voice mail, and you can simply call them back.
But again i must emphasize, do not pick up the phone to a strange name or number. The big problem with doing that, is a scammer even if they're unsuccessful at scamming the target on a particular call. Will then know that there's a live body answering the phone on the other end of the line, and will call back again and again at some future date.
There's also phone "scammer services" that simply call countless numbers each day, just to test if someone answers the phone or not. When you answer the phone, it places you on a sort of cream phone number list, and the service sells those phone numbers to scammer organizations.
A priority of course is your elderly parents. Giving them this phone system, and coming over and setting it up for them, makes for a very nice holiday present, or frankly a nice present any time.