Hot doggies, Citi bank conceded, I was able to
pay my monthly bills quickly. Hope they don’t change their system for next month.  Maybe they got too many complaints.  Tom
*From:* Brian Vogel <mailto:britechguy@...>
*Sent:* Thursday, July 28, 2022 3:52 PM
*To:* main@jfw.groups.io <mailto:main@jfw.groups.io>
*Subject:* Re: bank on line bill pay
On Thu, Jul 28, 2022 at 06:44 PM, Gene Warner wrote:
if they insist, you'll have to take your banking business somewhere
else.
-
Banks have been probably the very worst business sector where the attitude {cue German speaking English accent}, "You vill do vat ve vant, und you vill enjoy it!," reigns.  When my mother was alive, and I had become her Power of Attorney due to advancing dementia, I will never forget when a local credit union forced me to bring her in to sign when opening an account.  The PoA specifically gave me broad powers with regard to financial management, but because the two words, "open account," were not included in the examples of what I could do, I had to have a woman who had no idea what was going on physically present to sign for consent she was not even capable of giving.  It can be absolutely insane!
The only other thing that comes close is cable TV companies and in that case, since many are effectively monopolies in a given area, you're really stuck!  At least you can change banks.
--
Brian -Windows 10, 64-Bit, Version 21H2, Build 19044
*Here is a test to find out whether your mission in life is complete. If you’re alive, it isn’t.
*~ Lauren Bacall

I am very seriously considering cutting the cord on cable TV.

Brian - Windows 10, 64-Bit, Version 21H2, Build 19044  

Here is a test to find out whether your mission in life is complete.  If you’re alive, it isn’t.
     ~ Lauren Bacall

On Thu, Jul 28, 2022 at 07:04 PM, Gene Warner wrote:
I am very seriously considering cutting the cord on cable TV.
-
And if you can get decent high-speed internet service so you can stream, that's a perfectly reasonable thing to do.
I still have Comcast basic cable (and I do mean basic, and they don't even make new customers aware the option exists) that costs me $40 per month but there's no way I want the next step up, which contains tons of crap I'd never watch, for over $100 per month.
My internet service (all of it) is now handled through the mobile hotspot feature of the two 5G smartphones in the household.  We stream a ton from Amazon Prime Video and Netflix, and occasionally from the various commercial networks if there's something we missed that we want to see.  I have considered cutting the cable cord and with that savings, if I wanted to burn all of it monthly, I could subscribe to between 6 and 8 streaming services, including PBS Passport, and never look back.
Once you start streaming it's amazing how fast it becomes painful to have to deal with commercials.  I don't miss them one bit!
--
Brian -Windows 10, 64-Bit, Version 21H2, Build 19044
*Here is a test to find out whether your mission in life is complete. If you’re alive, it isn’t.
*     ~ Lauren Bacall

On Thu, Jul 28, 2022 at 06:44 PM, Gene Warner wrote:
if they insist, you'll have to take your banking business somewhere
else.
-
Banks have been probably the very worst business sector where the attitude {cue German speaking English accent}, "You vill do vat ve vant, und you vill enjoy it!," reigns.  When my mother was alive, and I had become her Power of Attorney due to advancing dementia, I will never forget when a local credit union forced me to bring her in to sign when opening an account.  The PoA specifically gave me broad powers with regard to financial management, but because the two words, "open account," were not included in the examples of what I could do, I had to have a woman who had no idea what was going on physically present to sign for consent she was not even capable of giving.  It can be absolutely insane!
The only other thing that comes close is cable TV companies and in that case, since many are effectively monopolies in a given area, you're really stuck!  At least you can change banks.
--
Brian -Windows 10, 64-Bit, Version 21H2, Build 19044
*Here is a test to find out whether your mission in life is complete. If you’re alive, it isn’t.
*     ~ Lauren Bacall

Citi bank is now forcing me to the system where the bills go directly to the bank. My bills come to me by mail and that is the way
I want it to remain. Tom
*From:* Brian Vogel <mailto:britechguy@...>
*Sent:* Thursday, July 28, 2022 2:59 PM
*To:* main@jfw.groups.io <mailto:main@jfw.groups.io>
*Subject:* Re: bank on line bill pay
On Thu, Jul 28, 2022 at 05:31 PM, T. Civitello wrote:
Now the bills will go directly to your bank and they will send
payment to the payee and you are cut out of the loop till the end of
the month when you get a list on your monthly statement. Are all
banks now using this system?
-
No, and even those that do (one of mine does) give you the option to use automatic payment (where they just pay whatever comes in) or to follow the usual protocol where they notify you a bill has arrived, and you must log in to pay it.
This is being driven as much by many billers as the banks.  They've found that payments often "slip through the cracks" when customers have to log in to multiple sites to even see their bills then either pay them from there or log out and then log in to their bank to pay them.
It's really quite convenient to centralize all bill paying in one place and to have all of your electronic bills show up in your bank's bill payer.  You still choose whether payment is automatic or you must authorize.  It actually peeves me that one, and only one, of my utility bills refuses to set up such that the bill goes to my bill payer and I get notified that it's there for me to pay. I don't know of a single bank that does "enforced automatic" or they'd lose customers, as people could easily be bouncing the equivalent of checks left and right if making payments is contingent on actual cash flow (and it very often is).  Many don't have tons of cash lying about in their bank accounts that serves as a cushion and where no bill would be larger than that cushion.
--
Brian -Windows 10, 64-Bit, Version 21H2, Build 19044
*Here is a test to find out whether your mission in life is complete. If you’re alive, it isn’t.
*~ Lauren Bacall

It does, when I had an iPhone I'd get the iOS access for all book in
epub format and put it on my Victor Reader.

I have a BlindShell Classic 2 phone now and love it way more than I
ever liked any of the iPhones I've ever had.

Geene...


On 7/26/2022 8:02 PM, Ann Byrne wrote:

I believe the Victor Stream reads them.
At 05:02 PM 7/26/2022, you wrote:

Well, if you are a user of emacs, it has a very nice epub reader
called nov.

On Tue, 26 Jul 2022 16:59:07 -0400,
Jeff Lukacsena wrote:

[1 <text/plain; us-ascii (quoted-printable)>] Hello Everyone,

I will be attending graduate school this fall. The access
technology

center

mentioned that some of my books might be available in Epub. I have

never

used ePub books before. Can someone point me to the best places to

find, and

learn how to read these kinds of books.

Thanks,

Jeff Lukacsena








[2 <text/html; us-ascii (quoted-printable)>]

--
Your life is like a penny. You're going to lose it. The question is:
How do
you spend it?

John Covici wb2una
covici@...

On Jul 28, 2022, at 5:18 PM, Mike B. <mb69mach1@...> wrote:



Hi all,

 

Here's the direct download link plus what's new in this J2022.2207.25 release.

 

 

32 and 64 bit download link:

 

https://jaws2022.vfo.digital/2022.2207.25.400/2ACCEDFA-0210-472F-9953-AE54DF593427/J2022.2207.25.400-any.exe

 

What's new in this release:

 

Enhancements in JAWS 2022.2207.25 (July 2022)

 

The following is a list of improvements made between the June 2022 release and the July 2022 update.

 

To download the latest release, visit the Downloads web page.

 

https://support.freedomscientific.com/Downloads/JAWS

 

list of 10 items
• The Liblouis braille translator used by JAWS and Fusion has been updated to version 3.22.0.
• When pressing ENTER on a link that moves focus to another location on the current web page, resolved a reported issue where the Virtual Cursor was not
getting moved to the new location even though the page visually scrolled.
• Resolved an issue where pressing ENTER in a multiline edit box in Chrome or Edge was unexpectedly moving focus back to the top.
• Addressed a reported issue where JAWS was not reading the Note pad status bar in Windows 11 when pressing INSERT+PAGE DOWN.
• Resolved issues navigating the Address List dialog box in Word, which is accessed through the Mailings tab (ALT+M).
• Addressed a reported issue where JAWS was not detecting the clickable graphics on Rumble.com for starting video playback.
• JAWS now announces the lock status of the FN key when pressing FN+ESC. Note that this primarily works with the Microsoft Surface laptop, Surface tablet,
or Surface Keyboard and may not work with other vendors such as Dell at this time. When the FN key is locked, you can press the function keys to adjust
settings like volume or screen brightness without first needing to hold down the FN key.
• When searching for text in a Word document, resolved a reported issue where JAWS was not reading the selected item as you navigated the list of results.
• Resolved an issue where pressing INSERT+CTRL+1 through 8 was not reading the associated column in the list of files in File Explorer or the message list
in Outlook.
• In response to a customer request, added several international symbols to the Select a Symbol to Print dialog box (INSERT+4) which allows you to quickly
choose a symbol and insert it into the current document.
list end

 

 

Take care.  Mike.  Sent from my iBarstool.

On Thu, Jul 28, 2022 at 05:31 PM, T. Civitello wrote:
Now the bills will go directly to your bank and they will send
payment to the payee and you are cut out of the loop till the end of
the month when you get a list on your monthly statement. Are all
banks now using this system?
-
No, and even those that do (one of mine does) give you the option to use automatic payment (where they just pay whatever comes in) or to follow the usual protocol where they notify you a bill has arrived, and you must log in to pay it.
This is being driven as much by many billers as the banks.  They've found that payments often "slip through the cracks" when customers have to log in to multiple sites to even see their bills then either pay them from there or log out and then log in to their bank to pay them.
It's really quite convenient to centralize all bill paying in one place and to have all of your electronic bills show up in your bank's bill payer.  You still choose whether payment is automatic or you must authorize.  It actually peeves me that one, and only one, of my utility bills refuses to set up such that the bill goes to my bill payer and I get notified that it's there for me to pay. I don't know of a single bank that does "enforced automatic" or they'd lose customers, as people could easily be bouncing the equivalent of checks left and right if making payments is contingent on actual cash flow (and it very often is).  Many don't have tons of cash lying about in their bank accounts that serves as a cushion and where no bill would be larger than that cushion.
--
Brian -Windows 10, 64-Bit, Version 21H2, Build 19044
*Here is a test to find out whether your mission in life is complete. If you’re alive, it isn’t.
*     ~ Lauren Bacall

One of my banking accounts is with Capital One; which is accessible using Jaws.  The bank makes a point of advertising this.  PayPal is a fine vehicle which can be used to pay friends and family for things. Lack of adequate security is one of the reasons not to use paper checks at all.  Particularly in view of the fact their security can be so easily compromised.
Sent from Mail <https://go.microsoft.com/fwlink/?LinkId=550986> for Windows
------------------------------------------------------------------------
Avast logo <https://www.avast.com/antivirus>
This email has been checked for viruses by Avast antivirus software.
www.avast.com <https://www.avast.com/antivirus>
<#DAB4FAD8-2DD7-40BB-A1B8-4E2AA1F9FDF2>

I wonder if you first called the number Chase assigns for reporting fraud.
Also, they have a dedicated email address for reporting fraud, which is
how I would have gone about it. An additional benefit, apart from
convenience, is that the email serves as a record of the timeliness of
your filing, which might be helpful in the event fraudulent charges need
to be removed.

Our local Chase branch has people you can talk to when you have problems.
It's an additional layer of support. One woman there now answers my calls
when I dial her directly.

--
My novel Caroline is now available in paperback, Kindle and audiobook
versions and, for qualified readers in the US, at the National Library
Service/BARD. Go to: https://adrianspratt.com/book/

-----Original Message-----
From: main@jfw.groups.io <main@jfw.groups.io> On Behalf Of Gene Warner
Sent: Thursday, July 28, 2022 1:07 PM
To: main@jfw.groups.io
Subject: Re: bank on line bill pay

I beg to differ on Chase's phone support, and that is the reason I am
looking for a new bank. I recently had a problem with fraudulent charges
appearing in my account through my debit card. I called the bank to deal
with the problem, first I was told that my wait time would be 30 minutes,
then 30 minutes or so later that person told me that they couldn't help me
and that I needed to talk to their fraud department, then they transferred
me, I was then told that my wait time would be 50 minutes, I waited and
while I was waiting I played some games on my computer, later I checked
the time and realized that I had been waiting for two and a half hours and
was still waiting for someone to answer the phone. That's not what I call
good customer service!

Gene...


On 7/28/2022 12:54 PM, Adrian Spratt wrote:

If trust is the issue, opening accounts at two banks only doubles the
anxiety. It happens I do have accounts at both Chase and BofA. I find
Chase's website needlessly complicated but manageable, while BofA's is
simpler. However, BofA's phone customer service is terrible, while
Chase's phone and on-location service is good.

-----Original Message-----
From: main@jfw.groups.io <main@jfw.groups.io> On Behalf Of Kelly
Pierce
Sent: Thursday, July 28, 2022 12:49 PM
To: main@jfw.groups.io
Subject: Re: bank on line bill pay

Why not open accounts at both Chase and Bank of America and then try out
their websites and iPhone apps? After a few months, close the account you
like least.

Kelly



On 7/26/22, Howard Traxler <htraxler7@...> wrote:

I don't seem to trust my (an any other) bank to protect my account.
e issued a paper check to a grand daughter, not of a significant
amount, and she managed to cash it twice; and how many more times
before we caught the problem. As long as the recipient hangs on to
your check, who's to say how many times they can cash it?

Howard


On 7/26/2022 3:05 PM, Larry Thacker Jr. wrote:

Some aps are better than others at this. The Bank of America app
for iOS does a good jog of giving you directions and then
automatically snapping the pic when it’s right. I was surprised to
find that the app for a local bank I’ve been evaluating did this as
well. I am finding a few holes in it, but overall the app and web
site designed by Computer Services Inc. (CSI) seems to work pretty
well. A tell may be that when you go to online banking the web site
address reads yourbankname.mybanking.net. One caveat though, the
security lacks true two-factor authentication. As much as I want
to perf local business over mega corporations that don’t have my
interests at heart, this may ultimately be a deal breaker for me.

*From:* main@jfw.groups.io <main@jfw.groups.io> *On Behalf Of
*Brian Vogel
*Sent:* Tuesday, July 26, 2022 2:10 PM
*To:* main@jfw.groups.io
*Subject:* Re: bank on line bill pay

On Tue, Jul 26, 2022 at 01:58 PM, Gene Warner wrote:

You have to take pictures of the front and back of the check.

-
Well, yes, as that's how any mobile banking app gets the data
necessary to deposit the check and to have the legally required
images (when the bank processes the checks normally they're
scanned, and images are saved).

When it comes to things like this, it's always easier to enlist
sighted assistance, once, to get a "photo rig" set up for your
smartphone. I've done this on multiple occasions, and not just for
banking apps, so that the phone can be placed on top of the rig
(which is usually a small cardboard box, cut into what amounts to a
small table with an opening large enough for the smartphone's
camera to be able to take photos of items placed "on the floor"
(table top or desk top in reality) beneath the rig. Once set up
this tends to work like a charm for as long as the rig remains viable.
--

Brian *-*Windows 10, 64-Bit, Version 21H2, Build 19044

*Here is a test to find out whether your mission in life is complete.
If you’re alive, it isn’t.**
* ~ Lauren Bacall

--
It's so convenient when you folks sign your messages with your name
(or even an alias). Then I don't have to close the message and look
through the headings to find the originator.

As I originally started this thread I thought I would try one more question: My bank switched how they pay your bill. They used to have a list of your payees, you clicked on the payee you wanted to pay and you were taken to a dialogue where you entered  the amount  you wanted to pay. Now the bills will go directly to your bank and they will send payment to the payee and you are cut out of the loop till the end of the month when you get a list on your monthly statement. Are all banks now using this system?  Tom
-----Original Message----- From: Adrian Spratt
Sent: Thursday, July 28, 2022 2:13 PM
To: main@jfw.groups.io
Subject: Re: bank on line bill pay
This is why it's essential to note all the details on your credit or debit card when it arrives in the mail.
--
My novel Caroline is now available in paperback, Kindle and audiobook versions and, for qualified readers in the US, at the National Library Service/BARD. Go to: https://adrianspratt.com/book/
-----Original Message-----
From: main@jfw.groups.io <main@jfw.groups.io> On Behalf Of Gene Warner
Sent: Thursday, July 28, 2022 4:51 PM
To: main@jfw.groups.io
Subject: Re: bank on line bill pay
Before the first agent transferred me to the fraud department they first closed my debit card and ordered me a new one for which I was charged $5, then they gave me the direct number to the fraud department.
I used it the following day to dispute the charges and to get them removed.
They never offered to give me the email address to report fraud to.
Gene...
On 7/28/2022 4:23 PM, Adrian Spratt wrote:

I wonder if you first called the number Chase assigns for reporting fraud. Also, they have a dedicated email address for reporting fraud, which is how I would have gone about it. An additional benefit, apart from convenience, is that the email serves as a record of the timeliness of your filing, which might be helpful in the event fraudulent charges need to be removed.

Our local Chase branch has people you can talk to when you have problems. It's an additional layer of support. One woman there now answers my calls when I dial her directly.

--
My novel Caroline is now available in paperback, Kindle and audiobook
versions and, for qualified readers in the US, at the National Library
Service/BARD. Go to: https://adrianspratt.com/book/

-----Original Message-----
From: main@jfw.groups.io <main@jfw.groups.io> On Behalf Of Gene Warner
Sent: Thursday, July 28, 2022 1:07 PM
To: main@jfw.groups.io
Subject: Re: bank on line bill pay

I beg to differ on Chase's phone support, and that is the reason I am looking for a new bank. I recently had a problem with fraudulent charges appearing in my account through my debit card. I called the bank to deal with the problem, first I was told that my wait time would be 30 minutes, then 30 minutes or so later that person told me that they couldn't help me and that I needed to talk to their fraud department, then they transferred me, I was then told that my wait time would be 50 minutes, I waited and while I was waiting I played some games on my computer, later I checked the time and realized that I had been waiting for two and a half hours and was still waiting for someone to answer the phone. That's not what I call good customer service!

Gene...


On 7/28/2022 12:54 PM, Adrian Spratt wrote:

If trust is the issue, opening accounts at two banks only doubles the anxiety. It happens I do have accounts at both Chase and BofA. I find Chase's website needlessly complicated but manageable, while BofA's is simpler. However, BofA's phone customer service is terrible, while Chase's phone and on-location service is good.

-----Original Message-----
From: main@jfw.groups.io <main@jfw.groups.io> On Behalf Of Kelly
Pierce
Sent: Thursday, July 28, 2022 12:49 PM
To: main@jfw.groups.io
Subject: Re: bank on line bill pay

Why not open accounts at both Chase and Bank of America and then try out their websites and iPhone apps? After a few months, close the account you like least.

Kelly



On 7/26/22, Howard Traxler <htraxler7@...> wrote:

I don't seem to trust my (an any other) bank to protect my account.
e issued a paper check to a grand daughter, not of a significant
amount, and she managed to cash it twice; and how many more times
before we caught the problem.  As long as the recipient hangs on to
your check, who's to say how many times they can cash it?

Howard


On 7/26/2022 3:05 PM, Larry Thacker Jr. wrote:

Some aps are better than others at this. The Bank of America app
for iOS does a good jog of giving you directions and then
automatically snapping the pic when it’s right.  I was surprised to
find that the app for a local bank I’ve been evaluating did this as
well.  I am finding a few holes in it, but overall the app and web
site designed by Computer Services Inc. (CSI) seems to work pretty
well. A tell may be that when you go to online banking the web site
address reads yourbankname.mybanking.net.  One caveat though, the
security lacks true two-factor authentication.  As much as I want
to perf local business over mega corporations that don’t have my
interests at heart, this may ultimately be a deal breaker for me.

*From:* main@jfw.groups.io <main@jfw.groups.io> *On Behalf Of
*Brian Vogel
*Sent:* Tuesday, July 26, 2022 2:10 PM
*To:* main@jfw.groups.io
*Subject:* Re: bank on line bill pay

On Tue, Jul 26, 2022 at 01:58 PM, Gene Warner wrote:

      You have to take pictures of the front and back of the check.

-
Well, yes, as that's how any mobile banking app gets the data
necessary to deposit the check and to have the legally required
images (when the bank processes the checks normally they're
scanned, and images are saved).

When it comes to things like this, it's always easier to enlist
sighted assistance, once, to get a "photo rig" set up for your
smartphone.  I've done this on multiple occasions, and not just for
banking apps, so that the phone can be placed on top of the rig
(which is usually a small cardboard box, cut into what amounts to a
small table with an opening large enough for the smartphone's
camera to be able to take photos of items placed "on the floor"
(table top or desk top in reality) beneath the rig.  Once set up
this tends to work like a charm for as long as the rig remains viable.
--

Brian *-*Windows 10, 64-Bit, Version 21H2, Build 19044

*Here is a test to find out whether your mission in life is complete.
If you’re alive, it isn’t.**
*     ~ Lauren Bacall

--
It's so convenient when you folks sign your messages with your name
(or even an alias).  Then I don't have to close the message and look
through the headings to find the originator.