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gomer
WayToRussified
Joined: 30 Mar 2007
Posts: 445
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 Posted: Tue Sep 04, 2007 3:59 pm Post subject: |
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| MrSpice wrote: | | 1) Has excellent and online payment system so that you can pay any bill and do most operations on the web site |
Strangely enough, some banks allow you to use IE 5.0 to conduct business but won't accept IE 7.0. Some non- bank businesses require IE 6.0 and won't take IE 5.0, 5.5, 7.0, any browser that uses a Mozilla/ Gecko GRE or Opera. |
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jo jo 7
Lounge Wizard
Joined: 05 Nov 2006
Posts: 3234
Location: Louisville,Kentucky
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| Posted: Tue Sep 04, 2007 5:02 pm Post subject: |
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Spicey, I don't think anyone should do online payments. I don't care how safe they say it is, it is not. I am up-to-date on the latest and it is a fun time for hackers who are more active than ever to get your bank account. If I buy anything online and it has a 800 number. I will call that instead of paying online. Most websites have 800's to call to order something.
I go into my bank to deposit my money. I like the one on one banking. This way I like to know I helped keep a teller in a job. |
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danbrew
WayToRussified
Joined: 10 Nov 2005
Posts: 418
Location: Chicago, IL
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| Posted: Thu Sep 06, 2007 2:58 am Post subject: |
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| jo jo 7 wrote: | Spicey, I don't think anyone should do online payments. I don't care how safe they say it is, it is not. I am up-to-date on the latest and it is a fun time for hackers who are more active than ever to get your bank account. If I buy anything online and it has a 800 number. I will call that instead of paying online. Most websites have 800's to call to order something.
I go into my bank to deposit my money. I like the one on one banking. This way I like to know I helped keep a teller in a job. |
You're kidding, right? How do you think you receive your paycheck? EDI. Do you really want to call some guy making $6.50/hour and *read* your credit card number to him? You are ten times more vulnerable reading your credit card number to some low paid drone than you are using even a moderately secure website for processing an order.
Since you're "up to date on the latest", pray tell, what is the latest? I can't recall the last time I visited a bank or read my credit card number to somebody.
The banks, btw, would fire all of the tellers tomorrow if they could figure out a way to get people like you to join the 1980s and do things online or via direct deposit, etc. As a matter of fact, you're probably paying higher fees to your bank to support those tellers than if you were conducting more secure electronic (or even paper) transactions. Some banks actually *charge* you money to interact with a teller.
You made it to Russia yet? |
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gomer
WayToRussified
Joined: 30 Mar 2007
Posts: 445
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surfguy
Lounge Wizard
Joined: 13 Apr 2006
Posts: 6985
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| Posted: Sat Sep 15, 2007 7:04 pm Post subject: |
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| kind of scary...I certainly wouldn't trust the banks in Russia...I know in the USA our banks are federally insured. Lot of speculation that we are headed for a recession here so we shall see how it all unfolds. With an election year coming...a lot could happen |
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raggedclaw
Frequent Guest
Joined: 22 Jul 2005
Posts: 18
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| Posted: Sat Sep 15, 2007 7:54 pm Post subject: |
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We use AlphaBank here in Yekaterinburg, and are pleased with its service. I have money tranfered to it every few weeks from my U.S. credit union; depost cash; use its ATMs, etc.
I don't use AlphaBank as an investment or savings institution, just a handy, local point for handling money. I handle most everything back stateside from my stateside credit union.
If you are afraid to use mainstream banks, then what are your alternatives? The mattress. |
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surfguy
Lounge Wizard
Joined: 13 Apr 2006
Posts: 6985
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| Posted: Sat Sep 15, 2007 8:03 pm Post subject: |
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| no you operate the same as me. But what if one is Russian? |
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raggedclaw
Frequent Guest
Joined: 22 Jul 2005
Posts: 18
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| Posted: Sat Sep 15, 2007 8:50 pm Post subject: |
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I don't pretend to be an economist (wouldn't want to be that wrong, that much of the time) or a financial whiz (wouldn't want to be that crooked), but the collapse of 1998 that supposedly soured Russians on banks is often cited as the reason Russians "don't trust" banks. Maybe, but . . .
My wife's parents -- in their 50s -- are probably fairly typical of today's middle-class Russian family. In Soviet times, they brought home X amount of rubles and laid it on a kitchen shelf. The family lived with that until the next payday. Banks were something they heard about, but had no meaning in their lives. (My parents, who farmed through the Great Depression, were quite similar, using only cash until they died in the early 90s.)
When capitalism came to Russia in the 90s, it was a pretty scary thing. We outsiders may sing of freedom, but for the average Russian freedom was a damned scary thing in day-to-day life. The inflation was horrendous, and then the ruble was revalued. An uncle of my wife had worked for several years in Siberia at very high wages and put a small fortune in a bank. When that disappeared, he killed himself. Was it the bank's fault? Not really. The fault was in the transition from the Soviet system to capitalism, hailed in the West as bloodless but littered with broken lives, or, to use a popular economist's terminology off-label -- creative destruction.
Anyway, her folks have started using a bank now and even have a credit card. They still keep a stash of cash as a safety net and for everyday purchases. Not unlike many Americans who are afraid to run all of their money through a bank, e.g., the IRS doesn't know how much you got for your cattle unless you put it in a bank.
This generation will have to pass before Russians fully accept banks, just as in the U.S. |
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jo jo 7
Lounge Wizard
Joined: 05 Nov 2006
Posts: 3234
Location: Louisville,Kentucky
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| Posted: Sat Sep 15, 2007 9:21 pm Post subject: |
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| raggedclaw wrote: | I don't pretend to be an economist (wouldn't want to be that wrong, that much of the time) or a financial whiz (wouldn't want to be that crooked), but the collapse of 1998 that supposedly soured Russians on banks is often cited as the reason Russians "don't trust" banks. Maybe, but . . .
My wife's parents -- in their 50s -- are probably fairly typical of today's middle-class Russian family. In Soviet times, they brought home X amount of rubles and laid it on a kitchen shelf. The family lived with that until the next payday. Banks were something they heard about, but had no meaning in their lives. (My parents, who farmed through the Great Depression, were quite similar, using only cash until they died in the early 90s.)
When capitalism came to Russia in the 90s, it was a pretty scary thing. We outsiders may sing of freedom, but for the average Russian freedom was a damned scary thing in day-to-day life. The inflation was horrendous, and then the ruble was revalued. An uncle of my wife had worked for several years in Siberia at very high wages and put a small fortune in a bank. When that disappeared, he killed himself. Was it the bank's fault? Not really. The fault was in the transition from the Soviet system to capitalism, hailed in the West as bloodless but littered with broken lives, or, to use a popular economist's terminology off-label -- creative destruction.
Anyway, her folks have started using a bank now and even have a credit card. They still keep a stash of cash as a safety net and for everyday purchases. Not unlike many Americans who are afraid to run all of their money through a bank, e.g., the IRS doesn't know how much you got for your cattle unless you put it in a bank.
This generation will have to pass before Russians fully accept banks, just as in the U.S. |
You know how many times I have thought about working under the table and asking to be paid in cash rather a check, rather than taxes be taken out, ALOT! If I could get away with burying my money in the back yard in a brass can with a cedar block in it and not to be arrested for not paying my taxes, I would. Banks take all your money, in fees ect....I lose money having a checking account, but today you have to have one to build credit and get your damn check cashed. It is all a conspiracy to get hard earned money from people. Get this, most banks won't even let you get more than $300.00 to $500.00 out of your account a day...what if you want to buy plane tickets? I don't care for the idea of someone else handling my money, I want close tabs on it and I don't want someone to tell me wheeeen I can withdrawl or not. The first time I got my debit card they did not tell me that I would have to pay a fee everytime I use my card. In one month after using my card for buying Christmas gifts, I got my statement and I paid close to $40.00 in fees for using my debit and I had a free checking account. I went to the bank and demanded the return of my money or I would cancel my account, they did without argument...I think some banks whether the same as the others charge what they want rather than a set fee. I see the same bank down the road and the fee is cheaper or more. Whatever happened to the old days, before my time when my grandparents went through the depression and there was more help in building credit and you didn't have to pay godly amounts of fees. Damn I think we have to pay everyone and including their mother just to open an account.
Sorry, just venting about banks....  |
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surfguy
Lounge Wizard
Joined: 13 Apr 2006
Posts: 6985
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| Posted: Sun Sep 16, 2007 5:16 am Post subject: |
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| banks are bad but unfortunately we need them |
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surfguy
Lounge Wizard
Joined: 13 Apr 2006
Posts: 6985
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| Posted: Sun Sep 16, 2007 5:20 am Post subject: |
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normally I keep my savings in a spare bedroom in my house...infact it's been growing everyday
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gomer
WayToRussified
Joined: 30 Mar 2007
Posts: 445
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gomer
WayToRussified
Joined: 30 Mar 2007
Posts: 445
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gomer
WayToRussified
Joined: 30 Mar 2007
Posts: 445
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