Frugal Living: Nov 11, 2007

Sunday, November 11, 2007

25 new messages in 23 topics - digest

misc.consumers.frugal-living
http://groups.google.com/group/misc.consumers.frugal-living?hl=en

misc.consumers.frugal-living@googlegroups.com

Today's topics:

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TOPIC: check fraud
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/8f8f2ab630e63181?hl=en
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== 1 of 3 ==
Date: Sun, Nov 11 2007 5:04 pm
From: Gordon

"unreelistuk@aol.com" <user132384@aol.com> wrote in
news:1194796636.801807.110980@v3g2000hsg.googlegroups.com:

> I called up my automated phone teller system at my credit union to
> check on my account, yesterday, and found out my checking account had
> almost no money left in it, when it was supposed to have about
> $1,500.
>
> Sure enough, a check for $1,500 had cleared about 5 days ago,
> bringing the account down to near zero.
>
> I sure didn't write the check for $1,500. It looks like a mistake
> on the part of the credit union, or just plain fraud. The check
> number was about 500 higher than my current check number.
>
> Of course I found out on a weekend, and the credit union is closed
> until Monday, so I get to stress out about it until Monday, at the
> least.
>
> The website for the credit union says each account is insured by the
> FCUA (Federal Credit Union Assoc) for $100,000.
>
> My question is whether the credit union will refund the $1,500 if
> it is indeed fraud.
>
> Thanks
>

Different banks will handle the situation differently. But when it
happened to me, my credit union put provisional funds back into my
account while they investigated.

== 2 of 3 ==
Date: Sun, Nov 11 2007 5:43 pm
From: George Grapman

Gordon wrote:
> "unreelistuk@aol.com" <user132384@aol.com> wrote in
> news:1194796636.801807.110980@v3g2000hsg.googlegroups.com:
>
>> I called up my automated phone teller system at my credit union to
>> check on my account, yesterday, and found out my checking account had
>> almost no money left in it, when it was supposed to have about
>> $1,500.
>>
>> Sure enough, a check for $1,500 had cleared about 5 days ago,
>> bringing the account down to near zero.
>>
>> I sure didn't write the check for $1,500. It looks like a mistake
>> on the part of the credit union, or just plain fraud. The check
>> number was about 500 higher than my current check number.
>>
>> Of course I found out on a weekend, and the credit union is closed
>> until Monday, so I get to stress out about it until Monday, at the
>> least.
>>
>> The website for the credit union says each account is insured by the
>> FCUA (Federal Credit Union Assoc) for $100,000.
>>
>> My question is whether the credit union will refund the $1,500 if
>> it is indeed fraud.
>>
>> Thanks
>>
>
> Different banks will handle the situation differently. But when it
> happened to me, my credit union put provisional funds back into my
> account while they investigated.

I had the opposite one. I deposited a $500 check in a Wells-Fargo
ATM. The next day the phone system reflected a $5,000 deposit. I checked
my receipt and it showed $5000 deposited. I called the bank and the rep
said she was freezing my account because she suspected fraud on my part.
I tried to explain that if I was defrauding them I would not be
bringing it to their attention. Too other reps refused to budge so I had
to go to my branch where the manager acted as if he was doing me a favor
by letting me have access to the funds on hand prior to that deposit on
warning me of the consequences of fraud.
The next day the mistake was rectified and as soon as all my
outstanding checks had been cleared I closed my account. The same
manager was called over and he still felt that he had done me a favor.

== 3 of 3 ==
Date: Sun, Nov 11 2007 5:59 pm
From: Shawn Hirn

In article <1194796636.801807.110980@v3g2000hsg.googlegroups.com>,
"unreelistuk@aol.com" <user132384@aol.com> wrote:

> I called up my automated phone teller system at my credit union to
> check on my account, yesterday, and found out my checking account had
> almost no money left in it, when it was supposed to have about
> $1,500.
>
> Sure enough, a check for $1,500 had cleared about 5 days ago,
> bringing the account down to near zero.
>
> I sure didn't write the check for $1,500. It looks like a mistake
> on the part of the credit union, or just plain fraud. The check
> number was about 500 higher than my current check number.
>
> Of course I found out on a weekend, and the credit union is closed
> until Monday, so I get to stress out about it until Monday, at the
> least.
>
> The website for the credit union says each account is insured by the
> FCUA (Federal Credit Union Assoc) for $100,000.
>
> My question is whether the credit union will refund the $1,500 if
> it is indeed fraud.

If you didn't write the check, you will be reimbursed. A couple of
months ago, an electronic transfer of $570 was made out of my checking
account to pay an insurance company with which I have never done
business. My credit union had me fill out a dispute form and sign it. A
few days later, the missing funds were returned to my account and that
was the end of it. I suggest you go down to the nearest credit union
branch tomorrow (Monday) and dispute this transaction.

==============================================================================
TOPIC: Under counter kitchen wraps holder/dispenser
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/986cb6e0b5e47670?hl=en
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== 1 of 1 ==
Date: Sun, Nov 11 2007 5:08 pm
From: DerbyDad03

On Nov 11, 7:48 pm, "Walter Cohen" <w_co...@hotmail.com> wrote:
> In my kitchen I have a plastic slide-out "drawer" that has space for 4 rolls
> of kitchen wraps (i.e. foil, wax paper, plastic wrap, and paper toweling).
> This "drawer" is attached to the underside of my upper wall kitchen cabinet.
> It provides a quick, out of the way place to store and make use of all those
> rolls of kitchen wrap instead of keeping each separate box somewhere in the
> cupboard and having to search out each roll.
> What's nice about it is the unraveled ends of each roll hang down loosely
> underneath the "drawer" and each roll slot has a cutting edge to make
> tearing the correct sized sheet off the roll.
>
> Anyway, I need to replace this "thing" and have not been able to find
> anything similar anywhere in any store (i.e. Target, home depot, Wal-Mart,
> lnt, bed bath and beyond, etc).
>
> Does anyone know what I'm referring to and know where I might find one of
> these? I don't know what else to do with the 3 or 4 rolls of wraps and
> paper toweling for quick and easy access and use. I don't particularly like
> the standing pole thingy for paper toweling as it just takes up space on the
> counter.
>
> Any thoughts?
> Thanks.
> Walter

Try this link to ebay:

http://tinyurl.com/26cej4

If it doesn't work, search ebay for Wrap Center and look at the 16th
item down, as of 11/11/07

Full link is
http://cgi.ebay.com/The-WRAP-CENTER-Kitchen-food-wrap-dispenser-New_W0QQitemZ110190347526QQihZ001QQcategoryZ46283QQssPageNameZWDVWQQrdZ1QQcmdZViewItem

==============================================================================
TOPIC: Discount item scalping
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/f44a8366af395738?hl=en
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== 1 of 1 ==
Date: Sun, Nov 11 2007 5:14 pm
From: Logan Shaw

BrotherSandMonkey wrote:
> On Nov 10, 6:07 pm, "catalpa" <cata...@entertab.org> wrote:
>> What stops the customers from going to Aldi or Save A Lot?
>
> Ain't the point. These Arab and Asian Indian food market operators
> need to get their products from a wholesale
> outfit not from Aldi and Save A Lot. What's the matter? Are they
> afraid to stock only name brands and nonAldi
> and nonSave A Lot authentic offbrand items?

Why do they need to? Because you want them to?

How is this different than when The UPS Store sells stamps at a premium?
You can go buy them at the regular post office for less, so by your rules
The UPS Store should not be allowed to offer them.

- Logan

==============================================================================
TOPIC: How to use FLIR infrared camera to reduce Winter home heating bills.
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/7a0ee7a8600425be?hl=en
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== 1 of 1 ==
Date: Sun, Nov 11 2007 5:27 pm
From: "Don K"

"Trygve Lillefosse" <news@lillefosse.NOSPAM.org> wrote in message
news:i59fj3dpkg45l0gbe1k1c7n40v2csrn8r9@4ax.com...
> On Sun, 11 Nov 2007 00:09:48 -0500, "Don K" <dk@dont_bother_me.com>
> wrote:
>
>>"aemeijers" <aemeijers@att.net> wrote in message
>>news:%trZi.13114$if6.9671@bgtnsc05-news.ops.worldnet.att.net...
>>
>>> Now if I could just find a company in this small town that had one (ANY sort of IR
>>> camera), and could come out and do a walkaround for me. It'd be worth a C-note to me
>>> to
>>> be able to target my limited repair funds at the worst leaks.
>>
>>Some digital cameras and webcams already respond to IR.
>>
>>There are various instructions around on how to convert them into IR cameras.
>>http://www.metacafe.com/watch/395292/take_infrared_pictures_with_your_digital_camera/
>>
>>No thanks are necessary. Just send me the C-note. :)
>
> Unfortunately, they can only be converted to near infaread(light) nor
> far infaread(heat).

Oh well. I thought we were onto something.
So near, and yet so far.

Don

==============================================================================
TOPIC: Mulberry Roxanne
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/e547e55be6cd13de?hl=en
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== 1 of 1 ==
Date: Sun, Nov 11 2007 5:48 pm
From: ju.dy1119@163.com

Mulberry Roxanne

www.handbagstrade.com