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8 Personal Banking Don'ts
Presumably the object of having a bank account is to save you money, or at least to help you more easily and properly manage it. But there are also several ways in which your use (or misuse, as the case may be) of your personal banking account could lose you money. Below you'll find out how to avoid the eight most common blunders when it comes to personal banking.
1. DON'T pay more than you have to: If you're like most people, you haven't really made the effort to comparison shop for the best personal banking terms you can find. Most bank accounts have some sort of fees or another associated with certain aspects of utilizing and/or maintaining your account, from annual fees to check-writing fees to fees for falling below a minimum balance to so-called "overdraft protection fees" to counter fees (to name just a few). These fees can slowly eat away at your savings. Banks change their policies all the time, so it's never a waste of time to look around and make sure that you really are getting the best deal for your money.
2. DON'T ignore your bank statements: When your bank statement arrives in the mail, do you simply toss it without even reading it? Many people do. But bank statements often contain errors, and the only way you'll know when one occurs is if you read through each statement carefully and compare it against what you know to be true (hopefully by way of a regularly balanced checkbook). Without reviewing your statements, you could wind up stuck with a fee for a payment you didn't make. You could find that someone has copied your ATM/debit card and made purchases against your account. The only way to catch this is to take it upon yourself to read your statements and check them for accuracy.
3. DON'T be careless with ATMs: Be conscious of other people around you when using an ATM. Do not write your PIN number anywhere near your ATM card and be sure to shield it as you type it in. If you make a mistake writing out a slip, don't just throw it away or leave it lying there - pocket it and dispose of it properly later. If you request a receipt make sure you take it. And many machines automatically spit out a receipt after a transaction is completed whether you request it or not. Be alert to this happening and make sure to grab that receipt before you walk away.
4. DON'T leave paper lying around: After you're finished reviewing your bank statements, don't just carelessly leave them lying out where anyone can see - or steal - them. Even simply throwing your statements away can lead to identity theft. Digging through trash is one of the primary ways identity thieves get the goods on their victims. Don't make yourself an open target. Lock away any bank statements or other related documents that you wish to hold on to. Invest in an expensive shredder - the confetti type are best - for the ones you don't. And then remember to use your locked file cabinet and shredder diligently whenever You Are through with your bank statements. It's for your protection.
5. DON'T bank online in a public place: Forget about people looking over your shoulder for a moment. An even bigger threat in banking online at a library or a cyber-café or other WIFI hotspot is another computer user on the same internet connection being able to snoop on what you're doing. Wireless networks are not totally secure. People can use that opportunity to capture your personal information and sabotage whatever transaction you're making. No online banking emergency is so urgent that you need to make yourself that vulnerable.
6. DON'T be a loyalist: In other words, don't become so enamored with your bank, or so lazily accustomed to it, that you continue to bank there without consciousness of how comparatively good or bad a deal you are getting. If you've consistently borrowed money from the same bank, maybe it's time to start exploring your other options. Even if you shopped around long and hard to find this bank, time passes, deals change. It's worth reevaluating every now and again your decision on where to bank. And it's particularly easy to do this type of research online.
7. DON'T be a stranger: Establish a relationship with your bank and the people who work there. The best way to get the best possible deals from a bank is to let them get to know you. Set up a meeting with the manager of your local branch, just to introduce yourself and key them in to your financial goals. You may never actually need their assistance beyond the norm, but if you do - if a problem arises, an error or a financial emergency - you'll benefit greatly from having already established a rapport with the folks whom you're asking for help.
8. DON'T be afraid to ask: Banks are in the
business of keeping their clients. This sometimes means they will go above and beyond their normal service offerings to keep your business. Whether you are looking for a more favorable rate on one of your accounts, free financial software, or even a toaster, don't be afraid to ask about specials. In the process don't forget to remind them how loyal a customer you have been. You'd be surprised how many promotion items that are available to you, but are not given to you. It's just taking up space in your bank's storage room.
In summary, taking care with your banking habits, being protective of your banking information, and remaining aware of how the deal you're getting compares with other deals available to you will help prevent you from making many of the most common and detrimental mistakes in personal banking.
About the Author
Kenneth C. Kelly is the President of Strativia, a financial management software development and services company specializing in applications for personal and business use. Strativia is the developer of Budget Forecaster, a sophisticated home budget and personal finance management software package.
Website: www.strativia.com.
What have I said or done for you to think I don't deserve SSI?
Honestly you guys don't know me, bullying me, and wanting to report me to the FBI, SSA, Yahoo, etc for cyber terrorism, WTF?
I think the problem may be that no one knows what your condition is for sure, and that they can only assume from what you have stated in the past. Most people dont think a person has a disability unless they can actually see signs of it. Wheelchair, crutches, canes, ect... I recall just last year in a st. Louis community college newspaper an editor of the paper wrote a very long radial article about how people using disability parking surly must be lying about their disability because he witnessed them walking from their car and into the school with no crutches, canes, wheelchairs or any visible signs of being disabled. So if you have a pace maker, heart problems, circulation problems, chronic pain, or another of the tens of thousands unseen problems that can cause one to be disabled, people dont care if they cant openly see it, With the editor, even though several people wrote the paper about the ignorance of the editors statements, none of them were printed or any apology or statement made by the editor because of it.
Some people might seem perfectly normal when out in public, but what others dont know is how much medication, or how much pain they are in, or the severity of a persons disability. So they judge on what they perceive a person to be.
I have a brother who has several spinal, bone and joint and neurological problems as well as other problems that are not visible but make his life very difficult. Probably the one that effects him every single day is his constant, crippling pain he has to endure 24 hours a day, 7 days a week, 365 days a year, year after year. Sometimes to the point that even when he has taken many pain pills, he still seriously considered suicide. He is disabled and collecting SSDI. He is currently in his Jr year at University with the hopes that a degree will cause possible employers to overlook his disability and consider hiring him. Yes, even though they are no suppose to, employers discourage hiring of disabled as they are seen a possible future problems and an expense to the bottom line.
Also, when many people think someone is disabled, they usually work hard to avoid that person no matter how nice of a person the disabled person may be. You can really see it with the younger university students. My brother has many friends at university who do not know he is disabled because he knows how to hide it. He works very hard trying not to be perceived as being disabled. When his pain is so much that he can barely tolerate even sitting up for more than a few minutes, he takes more pain medication than he should so he can mask the pain enough to at least try to give the appearance that nothing serious is wrong with him. And on the days where his pain is to much for even the pain medication to mask, he is not in public. On those days no one sees him and they have no idea of what he is like or what he has to deal with. They only know what they perceive him to be, and knowing how people in general alienate those who are not considered "normal" he works hard to give others the perception that he is "normal" no matter how much pain he is in or damage it might do to his body. Doing things he knows he has no business doing, lifting heavy objects, walking up steps or walking more than he should because the pain medication mask the pain enough that he will do things he shouldn't just so others don't think he has a problem. And like you have apparently learned here, people can be , well, not very forgiving when they perceive things to be a certain way.
Basically, in life and espeically to those who you only know in passing, its not what you are, its what you are perceived to be. That is why so many people spend every dime they have trying to look like someone they are not. Perception is everything in this day and age.Its no longer good enough to just be yourself, a normal everyday person. You have to appear to be rich, or muscular, or slutty or something else that is glorified on tv and in music videos nowadays.
As to whether or not you deserve SSDI? No one but you and your doctor, and the people at SSDI will be able to tell you if you are eligible for SSDI, so why even worry or care what others think.
Also, those who say they will be reporting you to the FBI, dont even worry about that.As to those who say they are the FBI, impersonating a federal officer is against the law and you could report them to the FBI who do take impersonation of a federal officer seriously.
But as for you, the FBI does nothing with SSDI fraud. SSI does and if they think its a valid fraud case, they work through the US Justice department. Not the FBI. Also, the amount of disgruntle or vicious people out there who try to report others for disability fraud is huge and because of that SSI requires that there has to be creditable and verifiable information before SSI even considers investigating a claim. Dont even worry about someone saying they are going to report you to th
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