Re: [CGUYS] new bank and a mint
mint.com's security tech and practices are here: http://www.mint.com/privacy/security-tech/ They keep the passwords encrypted. They are not encrypted as one-way hashes and they decrypt them to use at the bank sites. 24/7 security guards? Even if they have a guard dog, I don't want someone else storing my bank login credentials. So, this worries me. On Tue, Jan 5, 2010 at 2:21 PM, mike xha...@gmail.com wrote: We are considering moving to a new bank, one small reason to do this is because our bank doesn't support mint.com, there are other larger reasons for the move but don't involve the tech side of things. So...anyone have thoughts on mint.com specifically and or banks they use to interface with mint.com, AND any thoughts on banks with bad online interfaces? Any thoughts welcome. * ** List info, subscription management, list rules, archives, privacy ** ** policy, calmness, a member map, and more at http://www.cguys.org/ ** *
Re: [CGUYS] new bank and a mint
You eat out? Give your credit card or visa debit to the waitress making 2+tips an hour? Drive through at jack or mcds and give the card to the kid making 8 bucks an hour? Not to mention all the people who get their CC numbers etc stolen by hackers at the bank level. I'm not sure I'd say Mint is the point of weakness. On Wed, Jan 6, 2010 at 6:11 AM, Michael Fernando michael@gmail.comwrote: mint.com's security tech and practices are here: http://www.mint.com/privacy/security-tech/ They keep the passwords encrypted. They are not encrypted as one-way hashes and they decrypt them to use at the bank sites. 24/7 security guards? Even if they have a guard dog, I don't want someone else storing my bank login credentials. So, this worries me. On Tue, Jan 5, 2010 at 2:21 PM, mike xha...@gmail.com wrote: We are considering moving to a new bank, one small reason to do this is because our bank doesn't support mint.com, there are other larger reasons for the move but don't involve the tech side of things. So...anyone have thoughts on mint.com specifically and or banks they use to interface with mint.com, AND any thoughts on banks with bad online interfaces? Any thoughts welcome. * ** List info, subscription management, list rules, archives, privacy ** ** policy, calmness, a member map, and more at http://www.cguys.org/ ** * * ** List info, subscription management, list rules, archives, privacy ** ** policy, calmness, a member map, and more at http://www.cguys.org/ ** *
Re: [CGUYS] new bank and a mint
You eat out? Give your credit card or visa debit to the waitress making 2+tips an hour? Drive through at jack or mcds and give the card to the kid making 8 bucks an hour? Not to mention all the people who get their CC numbers etc stolen by hackers at the bank level. I'm not sure I'd say Mint is the point of weakness. Yeah, I always chuckle at those who won't buy anything online because they think the card info is unsecure, yet think nothing of handing their physical card to a minimum wage waiter, who disappears into the back * ** List info, subscription management, list rules, archives, privacy ** ** policy, calmness, a member map, and more at http://www.cguys.org/ ** *
Re: [CGUYS] new bank and a mint
On Jan 6, 2010, at 9:40 AM, mike wrote: You eat out? Give your credit card or visa debit to the waitress making 2+tips an hour? Drive through at jack or mcds and give the card to the kid making 8 bucks an hour? Not to mention all the people who get their CC numbers etc stolen by hackers at the bank level. I'm not sure I'd say Mint is the point of weakness. Yes and no. Yes, the waiter can do bad things with your credit card. Yet if you have ever left your credit card behind you will discover that they usually go to great lengths to protect your card and get it back to you promptly. If these were dishonest people they would be in a different line of work, perhaps stock brokers or TV evangelists. The credit card companies are very good at spotting fraud. I had one stolen and they spotted it within an hour. Yet when I shop in the same places they somehow know that the transaction is legitimate. You also get to review your credit card bill before it is paid and you can weed out any bogus charges. * ** List info, subscription management, list rules, archives, privacy ** ** policy, calmness, a member map, and more at http://www.cguys.org/ ** *
Re: [CGUYS] new bank and a mint
Yes and no. Yes, the waiter can do bad things with your credit card. Yet if you have ever left your credit card behind you will discover that they usually go to great lengths to protect your card and get it back to you promptly. If these were dishonest people they would be in a different line of work, perhaps stock brokers or TV evangelists. The credit card companies are very good at spotting fraud. I had one stolen and they spotted it within an hour. Yet when I shop in the same places they somehow know that the transaction is legitimate. You also get to review your credit card bill before it is paid and you can weed out any bogus charges. All this is true, BUT... There was a significant problem not long ago, especially in major cities, with wait staff who had handheld card readers. They'd quietly swipe cards and sell the information. I don't know if this is still a big problem--perhaps the buyers have mostly moved on to online hacking--but it certainly was a problem a few years ago. Anyway, the main point is that there are those who won't use cards online because it's unsafe but will happily hand their cards over to some guy they don't know, probably with multiple body piercings. That ain't safe either. * ** List info, subscription management, list rules, archives, privacy ** ** policy, calmness, a member map, and more at http://www.cguys.org/ ** *
Re: [CGUYS] new bank and a mint
I'm not talking about CC numbers. I'm worried about a third-party company storing my sensitive passwords in its servers. It's the principle of the thing ... if you are okay with it, go for it. On Wed, Jan 6, 2010 at 9:40 AM, mike xha...@gmail.com wrote: You eat out? Give your credit card or visa debit to the waitress making 2+tips an hour? Drive through at jack or mcds and give the card to the kid making 8 bucks an hour? Not to mention all the people who get their CC numbers etc stolen by hackers at the bank level. I'm not sure I'd say Mint is the point of weakness. * ** List info, subscription management, list rules, archives, privacy ** ** policy, calmness, a member map, and more at http://www.cguys.org/ ** *
Re: [CGUYS] new bank and a mint
Quoting tjpa t...@tjpa.com: On Jan 6, 2010, at 9:40 AM, mike wrote: You eat out? Give your credit card or visa debit to the waitress making 2+tips an hour? Drive through at jack or mcds and give the card to the kid making 8 bucks an hour? Not to mention all the people who get their CC numbers etc stolen by hackers at the bank level. I'm not sure I'd say Mint is the point of weakness. The credit card companies are very good at spotting fraud. I had one Yeah. . .not so much. My neighbor had his card taken by a relation. He only uses the thing once or twice a year (if that). Usually Sears, for a TV or refrigerator. She got a hold of his card and racked up $8000 in a month and a half. Using it as much as 7 times a day. You'd think there'd be flags going up all over the place. * ** List info, subscription management, list rules, archives, privacy ** ** policy, calmness, a member map, and more at http://www.cguys.org/ ** *
Re: [CGUYS] new bank and a mint
At 01:41 PM 1/6/2010, you wrote: Date:Wed, 6 Jan 2010 11:44:53 -0500 From:Chris Dunford seed...@gmail.com Subject: Re: new bank and a mint There was a significant problem not long ago, especially in major cities, with wait staff who had handheld card readers. They'd quietly swipe cards and sell the information. I don't know if this is still a big problem--perhaps the buyers have mostly moved on to online hacking--but it certainly was a problem a few years ago. Anyway, the main point is that there are those who won't use cards online because it's unsafe but will happily hand their cards over to some guy they don't know, probably with multiple body piercings. That ain't safe either. At BofA, I have their visa card and they offer ShopSafe® is their free service for Online Banking customers that allows you to create a unique, temporary account number for online purchases. You specify the max amount and the expiration date for the shopsafe card and you print out a replica of the card with all the data necessary to on-line shop with the safety of knowing that it can only be used to the max you specify and one time and it expires.. Rich * ** List info, subscription management, list rules, archives, privacy ** ** policy, calmness, a member map, and more at http://www.cguys.org/ ** *
Re: [CGUYS] new bank and a mint
On Jan 6, 2010, at 11:44 AM, Chris Dunford wrote: There was a significant problem not long ago, especially in major cities, with wait staff who had handheld card readers. They'd quietly swipe cards and sell the information. I don't know if this is Is this not an urban legend? * ** List info, subscription management, list rules, archives, privacy ** ** policy, calmness, a member map, and more at http://www.cguys.org/ ** *
Re: [CGUYS] new bank and a mint
I do not know about the card reader, but we did have a problem here a few year ago with an ethnic restaurant getting card numbers of patrons and using them. People prosecuted, problem ended. Local police chief had it happen to him in Georgia. I would figure if you are at a place you know and trust not as much of a problem than if you are somewhere you are totally unfamiliar with. A number of the local eateries you check out at a front desk so you see and have control of card at all times. Stewart At 02:07 PM 1/6/2010, you wrote: On Jan 6, 2010, at 11:44 AM, Chris Dunford wrote: There was a significant problem not long ago, especially in major cities, with wait staff who had handheld card readers. They'd quietly swipe cards and sell the information. I don't know if this is Is this not an urban legend? * ** List info, subscription management, list rules, archives, privacy ** ** policy, calmness, a member map, and more at http://www.cguys.org/ ** *
Re: [CGUYS] new bank and a mint
On Wed, Jan 6, 2010 at 2:28 PM, Rich Schinnell richnrockvi...@gmail.comwrote: You specify the max amount and the expiration date for the shopsafe card and you print out a replica of the card with all the data necessary to on-line shop with the safety of knowing that it can only be used to the max you specify and one time and it expires.. Paypal has one off visa cards. Use it once and that number is done. -- John Duncan Yoyo ---o) * ** List info, subscription management, list rules, archives, privacy ** ** policy, calmness, a member map, and more at http://www.cguys.org/ ** *
Re: [CGUYS] new bank and a mint
At BofA, I have their visa card and they offer ShopSafeR is their free service for Online Banking customers that allows you to create a unique, temporary account number for online purchases. You specify the max amount and the expiration date for the shopsafe card and you print out a replica of the card with all the data necessary to on-line shop with the safety of knowing that it can only be used to the max you specify and one time and it expires.. Discover has something very similar. There's a little app that generates an account number for one-time online use only. * ** List info, subscription management, list rules, archives, privacy ** ** policy, calmness, a member map, and more at http://www.cguys.org/ ** *
Re: [CGUYS] new bank and a mint
There was a significant problem not long ago, especially in major cities, with wait staff who had handheld card readers. They'd quietly swipe cards and sell the information. I don't know if this is Is this not an urban legend? Nope. http://www.wired.com/threatlevel/2009/03/washington/ * ** List info, subscription management, list rules, archives, privacy ** ** policy, calmness, a member map, and more at http://www.cguys.org/ ** *
Re: [CGUYS] new bank and a mint
Is that for one single purchase or for one short period of time? If I want to make three on-line purchases (three different vendors) in an evening, do I have to get three different temporary VISA Card numbers? Has anyone ever been able to learn specifically how a compromised credit card number was compromised? I.e., the specific transaction or vendor from which the CC number was stolen. I would like to reward the vendor that lost my number by not ever doing business with him again, but the CC company won't provide that information, apparently because they want me to keep spending. Thanks, Fred Holmes At 02:28 PM 1/6/2010, Rich Schinnell wrote: At BofA, I have their visa card and they offer ShopSafe® is their free service for Online Banking customers that allows you to create a unique, temporary account number for online purchases. You specify the max amount and the expiration date for the shopsafe card and you print out a replica of the card with all the data necessary to on-line shop with the safety of knowing that it can only be used to the max you specify and one time and it expires.. Rich * ** List info, subscription management, list rules, archives, privacy ** ** policy, calmness, a member map, and more at http://www.cguys.org/ ** *
Re: [CGUYS] new bank and a mint
I would figure if you are at a place you know and trust not as much of a problem than if you are somewhere you are totally unfamiliar with. Apparently not. If you read the article I linked to in the reply to Tom, you'll see that some of the restaurants in question were very well-known DC eateries, including one that Hillary Clinton goes to. Another was Clyde's, where I have eaten many times. I suppose that if it's Peggy, the waitress at the diner where you've eaten breakfast every morning for the last 25 years, you're pretty safe. Other than that, not so much... * ** List info, subscription management, list rules, archives, privacy ** ** policy, calmness, a member map, and more at http://www.cguys.org/ ** *
Re: [CGUYS] new bank and a mint
There was a significant problem not long ago, especially in major cities, with wait staff who had handheld card readers. They'd quietly swipe cards and sell the information. I don't know if this is Is this not an urban legend? http://www.wired.com/threatlevel/2009/03/washington/ Well that nails it. Thanks. Regular credit cards aren't the only assets that are being cloned. There are RFID readers that can intercept your car's remote control code, and blink card data, from a distance of 30-50 feet. Make Magazine had plans for making one of your own a while ago [search Makezine.com]. Record at DEFCON 05 was distance of 69 feet. * ** List info, subscription management, list rules, archives, privacy ** ** policy, calmness, a member map, and more at http://www.cguys.org/ ** *
[CGUYS] new bank and a mint
We are considering moving to a new bank, one small reason to do this is because our bank doesn't support mint.com, there are other larger reasons for the move but don't involve the tech side of things. So...anyone have thoughts on mint.com specifically and or banks they use to interface with mint.com, AND any thoughts on banks with bad online interfaces? Any thoughts welcome. * ** List info, subscription management, list rules, archives, privacy ** ** policy, calmness, a member map, and more at http://www.cguys.org/ ** *
Re: [CGUYS] new bank and a mint
Now that MINT is part of Intuit, I would presume more banks will be supporting the program... Eschew Obfuscation This is a reply from: Roy A. Ackerman, Ph.D., E.A. Financial, Managerial, and Technical Services for the Professional, Non-Profit, and the Entrepreneurial Organization 703.548.1343 voice 703.783.1340 fax From thinking to doing, from sales to profits, from tax to investments- we are YOUR adjuvancy -Original Message- From: Computer Guys Discussion List [mailto:computerguy...@listserv.aol.com] On Behalf Of mike Sent: 01/05/2010 2:21 PM To: COMPUTERGUYS-L@LISTSERV.AOL.COM Subject: [CGUYS] new bank and a mint We are considering moving to a new bank, one small reason to do this is because our bank doesn't support mint.com, there are other larger reasons for the move but don't involve the tech side of things. So...anyone have thoughts on mint.com specifically and or banks they use to interface with mint.com, AND any thoughts on banks with bad online interfaces? Any thoughts welcome. * ** List info, subscription management, list rules, archives, privacy ** ** policy, calmness, a member map, and more at http://www.cguys.org/ ** * * ** List info, subscription management, list rules, archives, privacy ** ** policy, calmness, a member map, and more at http://www.cguys.org/ ** *
Re: [CGUYS] new bank and a mint
On Jan 5, 2010, at 2:47 AM, Roy A. Ackerman, Ph.D., E.A. wrote: Now that MINT is part of Intuit, I would presume more banks will be supporting the program... And fewer of us may be interested in signing up with mint.com. I was about to check them out and that news stopped me dead in my tracks. I invite the folks who love to disagree with me (and everybody else too) to let me know if it is still okay to trust mint.com. To switch banks to get mint.com is quite an endorsement. Can you tell us what is so special about them? * ** List info, subscription management, list rules, archives, privacy ** ** policy, calmness, a member map, and more at http://www.cguys.org/ ** *
Re: [CGUYS] new bank and a mint
Right. I was afraid I'd give the impression I was switching JUST for mint, but I'm not. I was trying to simply keep it in line with our subject matter in that the two main reasons I'm switching are not directly related to what we try to discuss here. I've never used Mint as my credit union won't support them, I've heard from half a dozen who do use it however, all agree it's fantastic and they've tossed doing their banking in quicken etc. Which is my main reason for wanting to use Mint...get away from yet another program wholly based on my local system...move it to the cloud. My bank has already done this for me, I might as well complete it. Interestingly, I also had the exact opposite reaction when Intuit bought Mint.com. I think fewer banks will be supported and more controls will be implemented...obviously hasn't stopped me from wanting to try them however. As far as trust goes, Mint has a good track record so far...so far. On Tue, Jan 5, 2010 at 1:13 PM, tjpa t...@tjpa.com wrote: On Jan 5, 2010, at 2:47 AM, Roy A. Ackerman, Ph.D., E.A. wrote: Now that MINT is part of Intuit, I would presume more banks will be supporting the program... And fewer of us may be interested in signing up with mint.com. I was about to check them out and that news stopped me dead in my tracks. I invite the folks who love to disagree with me (and everybody else too) to let me know if it is still okay to trust mint.com. To switch banks to get mint.com is quite an endorsement. Can you tell us what is so special about them? * ** List info, subscription management, list rules, archives, privacy ** ** policy, calmness, a member map, and more at http://www.cguys.org/ ** * * ** List info, subscription management, list rules, archives, privacy ** ** policy, calmness, a member map, and more at http://www.cguys.org/ ** *
Re: [CGUYS] new bank and a mint
A friend of mine used Mint for a bit but grew to hate it. He had hoped to eliminate the need for posting receipts to Quicken (or a similar) application but complained that they often took days to post transactions or failed to include details like the vendor names for debit transactions. As a system to keep you out of trouble on a timely basis, it didn't pass his test. Me, I was turned off the moment I heard Intuit had acquired it. YMMV Subject: new bank and a mint We are considering moving to a new bank, one small reason to do this is because our bank doesn't support mint.com, there are other larger reasons for the move but don't involve the tech side of things. So...anyone have thoughts on mint.com specifically and or banks they use to interface with mint.com, AND any thoughts on banks with bad online interfaces? Any thoughts welcome. -- The value of an idea has nothing to do with the honesty of the man expressing it. -- Oscar Wilde * ** List info, subscription management, list rules, archives, privacy ** ** policy, calmness, a member map, and more at http://www.cguys.org/ ** *
