[bobthecockroach]

Originally Posted by normajean777

Yes I realize it is not practically safe to store money at home. All I'm saying is that there are reasonable risks that we take with other things, and I really don't see any problem with this one. Also more people's credit cards get stolen on a daily basis than bank logins, and many of us don't think twice about using credit cards.

Also: Quicken = Intuit = mint.com

There is nothing interesting you can do with my credit card. I could give you the number now, and I would be out nothing. Money charged on my credit card doesn't come out of my account until I say it does. It's my only bill I don't have set up for auto-pay (actually, that's not true, I don't have Verizon on auto-pay for a very similar reason: I don't trust them). Before any money comes out of my account, I review every charge on the card. If any were out of place, I would call the bank and they would take care of it before it ever hit my bank account. Thus no matter how many fraudulent charges you make, I lose nothing but the time it takes to call the bank and fill out some paperwork.

My debit card is a different story since the money comes directly out of my account. Thus I don't use my debit card for anything even remotely sketchy (like, for example, gas pumps, which are frequent targets for card readers).

With access to my online banking, there are all kinds of things you can do, and I don't even know what half of them are. You can get a lot of information on my account. You can see my signature to learn how to forge it. You can probably set up transfers or request cashiers checks. Who knows.

Furthermore, I don't trust Mint to maintain my privacy. Almost every major site will eventually have a privacy breach. If Mint is breached (I should probably say "when"), some of the most valuable information in the world to advertisers (how I spend my money) could become available. I'm not interested in that happening.

Finally, if something goes wrong with my bank, I can walk to their headquarters and ask to speak to someone about it. Mint doesn't even so much as post a phone number on their main page. Who would I contact if something went wrong? I don't even know. I know how to deal with a bank, and I know the federal government knows how to deal with a bank. Banks are a tried and true system. Mint is a hack. It's a workaround (around the problem that banks don't give useful money tracking tools or ways to authorize third parties to see a specific subset of your information). I am a computer programmer. I know how hacks work, and I know how big a pain in the butt it is to fix something when it goes wrong.

More importantly, this is way off-topic. Start a new thread if you want to discuss further.

[redbaron]

as a note on what Daniel is mentioning with his security concerns, you shouldn't use the same password on your email account that is tied with your bank account with anything less secure, and I wouldn't use my bank password for anything else.

Not only that, but changing it every couple months is not a terrible idea...

[WafflesAndSyrup]

Originally Posted by redbaron

Not only that, but changing it every couple months is not a terrible idea...

Some systems even go as far as forcing you to change it every X-days, and not allowing you to use any previous passwords.

But that's definitely a good tip to follow for any login credentials that are extremely important to you.

[bobthecockroach]

Originally Posted by redbaron

as a note on what Daniel is mentioning with his security concerns, you shouldn't use the same password on your email account that is tied with your bank account with anything less secure, and I wouldn't use my bank password for anything else.

Not only that, but changing it every couple months is not a terrible idea...

Ideally, you shouldn't use the same password on ANYTHING. Definitely never, ever, EVER use your email password anywhere else. Your email password is basically your universal password. Just go to each other site, click "forgot my password" and you can reset it from your email.

As for changing passwords, if you have a truly secure password and never log-in to a non-https site with it or succumb to a phishing attack, there is no need to change your password. It's probably better to use a really hard password and never change it than have to use a weaker password so you can keep changing it. My banking password is longer than 12 characters, consists of uppercase letters, lowercase letters and numbers, and it means absolutely nothing. It's just random characters. There is simply no way anyone could ever guess my password and brute-forcing it would be completely impractical. The thing is, it has taken me a long time to truly memorize this password, and if I was changing it regularly, I would probably have to use simpler passwords so I could actually remember them.

But this is even more off-topic.

[MrCrabby]

Originally Posted by bobthecockroach

Ideally, you shouldn't use the same password on ANYTHING. Definitely never, ever, EVER use your email password anywhere else. Your email password is basically your universal password. Just go to each other site, click "forgot my password" and you can reset it from your email.

As for changing passwords, if you have a truly secure password and never log-in to a non-https site with it or succumb to a phishing attack, there is no need to change your password. It's probably better to use a really hard password and never change it than have to use a weaker password so you can keep changing it. My banking password is longer than 12 characters, consists of uppercase letters, lowercase letters and numbers, and it means absolutely nothing. It's just random characters. There is simply no way anyone could ever guess my password and brute-forcing it would be completely impractical. The thing is, it has taken me a long time to truly memorize this password, and if I was changing it regularly, I would probably have to use simpler passwords so I could actually remember them.

But this is even more off-topic.

My passwords contain squirrel noises.

[MrCrabby]

[Than]

My income varies on how many marks happen into dark alleys and how many of them are wealthy. Same goes for cars. You can jack as many Chevy Novas as you want but it's nothing compared to what I get if I can score a Benz SL class.