8/17/08 Captain Jack's Repossession Repo Cruise to PC thru TPC Part 14

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WARNING!!!!







So - I'd like to offer a "blanket reply" to most everyone who posted comments above...

Thanks - and I do expect full recovery. I shared this little experience in the hopes that someone else might heighten thier vigialnce and thus save a dollar. My understanding is debit cards are handled almost well as credit cards in theft instances like this. Although the TERMS of protection are technically not as good as I vaguely understand it. I have so far embraced the use of debit cards since I try to not use credit for anything (except mortgages)... its' just a puritan/confucian philosophy/streak I seem to have.

Besides... I'm such a cheap tight-wad that I never really spend much money. Thus I have little to worry about ... right? <chuckles>

Seriously, so I've had lots of replies from friends on and off the DIS on this developement. Soome folks speak of how the account data became compromised and many speak of well known techniques for thieves to obtain the data. Rather than recant EVERYTHING here... I'll just say in my case I have no idea how they got the data - only that is conspicuious (misspelled) that they used an old account number that I discontinued use on for about 6 months. My bank FAILED to cancel the account when they reissued a new card to me - as the old card had worn out (physically).

So - our leading suspician is they must have obtained the data from my use of the card more than 6 months ago! And some of us have heard of how Mervyns/TJ Maxx had thier transaction histories STOLEN TWICE recently. I assume this breech in security is not the only instance - rather it is a large theft of data that made the news. It stands to reason the thieves don't really want to attck us INDIVIDUALLY for account data. Bigger fish to fry are to go after a big retailor and get 100, of 1000s of account numbers in one hit!

Of course, we still hear of people who had thier personal identites cloned and recreated in a different address... where new credit cards were applied for and goods purchased and sent to. By the time you discover someone has copied your identity - they have piled up huge unsecured debt in your name and they dissappear! Leaving you with the potential liability risk and credit score damage. THAT is why we should shred our account data anytime we throw out something ... or if we have our personal info printable anywhere. Plus ... there are other ways for someone to use your identity data for nefarious advantage.

Aside from that - I will share another instance of credit theft. I used to have an AMEX card... I liked the way it looked and I liked the fact it was essentially a debit (and not credit) card. Well... when reviewing the account history I noticed a bunch of little telephone charges. Well... that was pretty unusual since I had a cell phone. And I must confess I used to just pay the bill and review it quarterly more or less. SO when reviewing it I saw these little transactions which added up to maybe $30-40. Well... I got to thinking and looked at every statement going backwards and I discovered I had about $700 in telephone charges that I had been nickle and dimed for in the past few months! Now that was annoying! Fortunately AMEX was great and they reversed ALL of it over several months... even though I know the fair credit laws only protect me for maybe 30 (60?) days.

The moral... you really should review your bank and charge histories. Especially in this day and age. We should NEVER be too busy to check this. Us "Rich Americans" or natives of 1st world countires are looked on as succulent targets by thieves everywhere. And if you pause to consider - these thieves are taking AFTER TAX money from us! I think mostof us cannot recover the losses (typically) and if you lose $1000... then you may have already paid $600-1000 in state and federal taxes to have that $1000 to lose. How much has to be lost before one notices? I think we all don't want to find out!

Somberly - I mean well in sharing my close encounter with a dishonest host. I would not want any of my nice neighbors to become victims if I could have warned them in time to avoid the loss.

OK..... I gotta go. The bad trabnsactions have now all posted - and I have some reporting to do... and I have to take mykids to dinner. They just got out of the pool here at the hotel. Tomorrow we head home but have the Queen L concert at the Bowl. It's a pot luck picnic and I have guests to meet and details to coordinate.

Maybe after dinner I'll duck in to lurk - just in case I can sprint for the 67,000the posting! <chuckles> ... but that is extremely unlikely. And for the record... I think its' time a WENCH got it!

Cheers!

Thanks sooo much for sharing Tom. I was told to never get a debit card. I was considering getting one anyone. You have now convinced me not to!!! :flower3:

I use only credit cards but like you, I am cheap. ;) I never have paid interest to a credit card company in 39 years of using them. :woohoo: I always keep all charge receipts and match them to each credit card statement. I keep my shredder right next to my desk.
 
So Crash, does Alicia know that you have all these beefcake photos bookmarked on your computer?

I don't BOOKMARK any of this!!! I'm astonished to hear the suggestion! <chuckles> Just no one send her these images otherwise she will have one of those funny glances for me that I fell in love with 24 years ago! <chuckles>

crazy_bones.gif
 
We are in Troy. My folks are from Edwardsville, but the place still doesn't have a hotel! My parents went to SIU (Carbondale). I was born in Champaign when my dad was in grad school at U of I. We left when I was a few months old when my dad got a job in Cleveland. My Dad has been in Cleveland for 33 years (mom died in '98). We always came to IL for 2 weeks in the summer when I was a kid, but when I was 12, my grandparents retired to Cleveland. Can you tell my folks are both only children? There wasn't much reason to come back when my grandparents moved 10 minutes away from us so we haven't been back since.

And yes, the man who drug me to hot, humid, sticky souther IL for 2 weeks every July when I was a kid is complaining about the timing of this trip! It is just as hot and sticky as we remember it.

Small world, My grandfather was born around Metropolis (in 1870). Our family moved to Southern IL in the 1830's and stayed there until after the turn of the century. One of these days we need to go back there and do some further genealogy research.
 
We are in Troy. My folks are from Edwardsville, but the place still doesn't have a hotel! My parents went to SIU (Carbondale). I was born in Champaign when my dad was in grad school at U of I. We left when I was a few months old when my dad got a job in Cleveland. My Dad has been in Cleveland for 33 years (mom died in '98). We always came to IL for 2 weeks in the summer when I was a kid, but when I was 12, my grandparents retired to Cleveland. Can you tell my folks are both only children? There wasn't much reason to come back when my grandparents moved 10 minutes away from us so we haven't been back since.

And yes, the man who drug me to hot, humid, sticky souther IL for 2 weeks every July when I was a kid is complaining about the timing of this trip! It is just as hot and sticky as we remember it.

I actually remember Edwardsville. DS did his graduate degree At U of I. DS had his first job in Robinson working for the candy maker Leaf. He was the microbiolgist for the plant making Whoopers Candy!!!:cloud9:
 

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OK... I'm really gonna go now. No lurking. I do enjoy (and appreciate) the the neighborly kindness and humor of everyone here. I do mean everyone (who is kind and humorous). Plus a few others too <chuckles>. Alas, I MUST retire now to get the kids into the restuarant before it closes. This is sleepy Bakerfield after all ... and the restuarant may close if we don't sit down before 9PM.

Good luck to all who are in tonites' sprint! And may the best swabbie... re, rather DIS enthusiast win it!

<sneaky chuckles>​
 
Thanks you guys so much for the great birthday wishes!!
Megan's face just lit up when she read them all.
You guys are the best! :woohoo:
 
Small world, My grandfather was born around Metropolis (in 1870). Our family moved to Southern IL in the 1830's and stayed there until after the turn of the century. One of these days we need to go back there and do some further genealogy research.

Just make sure you only go down to Southern Illinois in either April or October. That is about the only good months in Illinois we have.:lmao:
 
Well it was a little warm, but I had not been on a bike in 10 days and I needed to ride. The bike trail is not very long (for my standards) but it was kind of nice seeing more of the island. Unfortunately the observation tower was closed :confused3 not sure why.
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Roger,
Your'e a rider also?
 
Roger,
Your'e a rider also?

Yes, I ride 100-200 miles a month. I did my first 20 mile ride today after returning from vacation. The legs were good until I hit about 17-18 miles then I had to back off to finish. Hopefully tomorrow will be a little better.
 
Yes, I ride 100-200 miles a month. I did my first 20 mile ride today after returning from vacation. The legs were good until I hit about 17-18 miles then I had to back off to finish. Hopefully tomorrow will be a little better.

And I think I am doing great walking 4 miles a day.:lmao: :lmao:
 
Thanks for all the birthday wishes for Megan.
11 years ago today I was a very scared woman. She not only lived, but became an adorable very stubborn 11 year old. That stubbonness kept her alive and fighting.
Besides a couple of beauty marks (scars) she came out relatively unscathed.
yikes! what a story! hope she has a great birthday!!
 
So to answer Cheryl's question while shamelessly boosting the post count...

I'm in southern Illinois near St. Louis. We got here Sun. afternoon & we leave Thurs. morning. My folks grew up around here so my dad met us for a walk down memorie lane. We haven't been back for 23 years.

It seems like everytime we do a memory lane recently it's in WDW. Last summer was the 20th anniversary of our first trip. I think you always remember your first visit. Just like your first cruise.

This must be one of the small world type of things. I was just talking to my daughter who is going to a conference in Collinsville, Ill. She is flying into St. Louis and has been trying to find a way (other than renting a car) of traveling to the hotel. We really get spoiled traveling to larger cities that have so many options to get where we need to be. We were just talking about researching the area to try to find some options. But, that's a job for tomorrow.

Safe travels.

Barbara
 
So Crash, does Alicia know that you have all these beefcake photos bookmarked on your computer?

:lmao:

I don't BOOKMARK any of this!!! I'm astonished to hear the suggestion! <chuckles> Just no one send her these images otherwise she will have one of those funny glances for me that I fell in love with 24 years ago! <chuckles>

uh huh....say, didn't you just recently brag about the looks you were getting from some guys at a car show? :laughing: :banana:
 
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