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#11
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Infinity Review - 2/5/06 MOAGC2
Marsha,
I used to use Quicken because it was free but at some point they began charging $9.95 a month but the bank still did it for nothing. As in Jo-Ann's case my bank was Fleet which became Bank of America and the only checks I write are my rent and when I need spending money. Everything else is either paid by the bank or by my credit card. -- DG in Cherry Hill, NJ (* _ *) "Marsha L" wrote in message ... I don't remember the last time I wrote a check... they gave me a dozen or so when I opened my account two years ago... I think I have eight left? maybe they only gave me ten? I NEVER write checks. In NJ the banks were set up so that I could use MS Money or Quicken, enter things on my computer and then upload it. Unfortunately it isn't that way here. I can download for free, but would be charged to upload. So I have a new system... once a week I download whatever's cleared, and then pay whatever will be coming up. If I'm going to be away, it's easy, I just tell the bank when to pay whatever it is and it's all taken care of. I can have ANYTHING paid this way, as long as I have a mailing address to send it to. Marsha/NV "Marsha" wrote in message ... We use the auto deduct from the checking account for 99% of our bills. Still have to write a check for garbage collection and water every three months, and taxes twice a year. Postage costs have been drastically reduced, though :-) Marsha/Ohio |
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Infinity Review - 2/5/06 MOAGC2
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Infinity Review - 2/5/06 MOAGC2
By the way, Jo-Ann, Bank of America no longer deducts the money when they
pay a bill, they now leave the money in your account until the payee receives it. Since I never have stamps, I didn't realize that the price of one went up. :-( -- DG in Cherry Hill, NJ wrote in message ups.com... Marsha, I had the online bill paying set up through my bank (at the time it was Fleet, which is now Bank of America). Anyway, I didn't pick a set date for paying certain bills, because the due date fluctuated. But with my Macy's bill, let's say I received the bill Jan. 1 and the bill was due Jan. 20. I notified the bank on Jan. 10 to go ahead and pay the bill as of that date (I'm estimating the dates, because I don't recall the exact dates). Anyway, I got a $15 late charge from Macy's saying they received the payment late. In my mind, I felt that if I gave the bank authority to pay it on Jan. 10, it shouldn't have arrived later than Jan. 20. It did and the bank said they have 10 days leeway. That leeway put me into the late payment status. I cancelled online bill paying after that. However, I do pay certain things online but at that particular vendor's website. For instance, I go directly to Allstate and pay online for my car insurance. Same thing with my VISA. But that payment is credited to my account within 24 hours. Hope that makes sense. Jo-Ann |
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Infinity Review - 2/5/06 MOAGC2
Jo-Ann,
I think I understand what you're saying, I just don't think I understand your bankG. The last name that my bank had while I was in NJ was Wachovia (it had been through several up until that point). They gave me MS Money (or Quicken) to use on my computer and there wasn't any charge for banking using it. When a bill would come in, I would enter it on my computer onto a page that looked just like the register you probably have for your checking account. When I was ready I'd upload it to the bank and like "magic" it would be paid whenever I said to pay it. So if I received a bill on Jan 1 that was due on Jan 20, I'd enter it right away so I could put the bill away, but the bank wouldn't pay it until whatever date I gave them, probably the 18th or 19th. It's slightly different here because I'd have to pay to upload. So I enter things into Money when I get them and then once a week enter them in my current bank's bill pay on line. That way there aren't any fees. I'm only going to the one website and only doing it once a week. During that same visit I download whatever has cleared, so I KNOW what's going on. BTW, I learned that I had to check due dates... sometimes they change for no apparent reason... and my current bank won't send things out with pay dates on weekends or holidays (even if it's the due date) so I have to watch for that. Chances are that if your bank has changed names since that happened, other things have changed too! Marsha wrote in message ups.com... Marsha, I had the online bill paying set up through my bank (at the time it was Fleet, which is now Bank of America). Anyway, I didn't pick a set date for paying certain bills, because the due date fluctuated. But with my Macy's bill, let's say I received the bill Jan. 1 and the bill was due Jan. 20. I notified the bank on Jan. 10 to go ahead and pay the bill as of that date (I'm estimating the dates, because I don't recall the exact dates). Anyway, I got a $15 late charge from Macy's saying they received the payment late. In my mind, I felt that if I gave the bank authority to pay it on Jan. 10, it shouldn't have arrived later than Jan. 20. It did and the bank said they have 10 days leeway. That leeway put me into the late payment status. I cancelled online bill paying after that. However, I do pay certain things online but at that particular vendor's website. For instance, I go directly to Allstate and pay online for my car insurance. Same thing with my VISA. But that payment is credited to my account within 24 hours. Hope that makes sense. Jo-Ann |
#15
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Infinity Review - 2/5/06 MOAGC2
Dick... you might want to look at what I just wrote to Jo-Ann because it
might apply to you... if I wanted to upload my transactions to my present bank, I too would be charged, so I enter them individually. It was a bit of a pain at first, but I got used to it. Marsha "Dick G." dickdotgoldhaber@gmaildotcom wrote in message ... Marsha, I used to use Quicken because it was free but at some point they began charging $9.95 a month but the bank still did it for nothing. As in Jo-Ann's case my bank was Fleet which became Bank of America and the only checks I write are my rent and when I need spending money. Everything else is either paid by the bank or by my credit card. -- DG in Cherry Hill, NJ (* _ *) |
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