On Sat, 08 Aug 2020 13:36:35 -0400, wrote:

On Sat, 8 Aug 2020 03:34:24 -0700 (PDT), Cindy Hamilton
wrote:

On Friday, August 7, 2020 at 7:13:17 PM UTC-4, wrote:
On Sat, 8 Aug 2020 04:46:30 +1000, "Rod Speed"
wrote:



wrote in message
.. .
On Fri, 7 Aug 2020 04:22:47 +1000, "Rod Speed"
wrote:



wrote in message
...
On Wed, 5 Aug 2020 14:17:36 -0400, Peter
wrote:

On 8/5/2020 12:50 PM, wrote:
On Wed, 05 Aug 2020 05:03:33 -0400, micky
wrote:

In alt.home.repair, on Tue, 4 Aug 2020 03:58:41 -0700 (PDT), Cindy
Hamilton wrote:


Connected to what? Apart from its use as a timepiece, my phone
mainly services the two-factor authentication required by my
employer's network. I don't use it for e-mail and if it rings
once a week it's a miracle.

Cindy Hamilton

Smartl phones are really good for depositing checks to the bank.
Now
I
don't have to be afraid the guard will shoot me by mistake.

You must really have an off brand bank if you don't drive by a branch
every time you are out and the ATM is really easy to use if the Covid
has the lobby closed. I assume if I internet banked I could drop a
check on my scanner and deposit it tho. The reality is I only cash
about a dozen checks a year and most come quarterly (dividends).
Four trips a year to the bank is not a burden

Make it real easy for yourself; have your dividends ACH deposited to
your checking account. No more worries about the check getting lost or
stolen in the mail. No misplacing/losing it at home. No more needing
to make a trip to an ATM or the bank. And, you have access to your
money sooner.
Since they might sit in the drawer for a month I doubt I really care
how soon I have access to the money. I don't float with my mouth so
close to being underwater.
I like seeing the checks and sometimes I just give them to my wife.
She likes that.

You folks act like I make a special trip to the ATM,
I drive by it 3 or 4 times a week.

Still makes more sense to have it show up in the
checking account completely automatically, dinosaur.

Most of my dividends go to the brokerage account
but I still have some shares I am holding personally.
Those are the ones I get checks for.

Still makes more sense to have those show up in the
checking account completely automatically, dinosaur.

Maybe I am not sure where I want it.

Trivial to move it once it shows up.

Like I said, sometime I give them to my wife.

Trivial to move it once it shows up.

Not really, without writing another check.

With online banking, I can transfer money from any one
of my bank accounts to any other. Another check is
not required.

Exactly what my wife and I do all the time. We have multiple credit union
accounts and multiple brokerage accounts. With a few mouse clicks, we can
move money from any of them to any of them.


Between banks? We have 5 plus a brokerage account. I can't even move
money from my bank to my brokerage account electronically since Dodd
Frank and they are the essentially same people. DF built a wall
between them. (two web sites that do not talk directly with each
other).

Actually, I bet you can do it very easily. You may need someone to show you
how if you can't figure it out on your own, but you can do it because
virtually every financial institution uses ACH, Automated Clearinghouse, to
move funds around. There shouldn't be any fees involved, but the transfers
aren't instantaneous. When I initiate a transfer, it doesn't actually
happen until just after midnight.

Moving money to Fidelity is a partial exception to the rule above. When I
initiate a transfer to Fidelity, the money shows up there within a few
seconds and is immediately available to use. Later that night, just after
midnight, it gets debited from my CU account.