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Jonathan Tobin: Defending the Right to a Jewish State

Heather Hale: Compliment your kids without giving them big heads

Megan Shauri: 10 ways you are ruining your own happiness

Carolyn Bigda: 8 Best Dividend Stocks for 2015

Kiplinger's Personal Finance editors: 7 Things You Didn't Know About Paying Off Student Loans

Samantha Olson: The Crucial Mistake 55% Of Parents Are Making At Their Baby's Bedtime

Densie Well, Ph.D., R.D. Open your eyes to yellow vegetables

The Kosher Gourmet by Megan Gordon With its colorful cache of purples and oranges and reds, COLLARD GREEN SLAW is a marvelous mood booster --- not to mention just downright delish
April 18, 2014

Rabbi Yonason Goldson: Clarifying one of the greatest philosophical conundrums in theology

Caroline B. Glick: The disappearance of US will

Megan Wallgren: 10 things I've learned from my teenagers

Lizette Borreli: Green Tea Boosts Brain Power, May Help Treat Dementia

John Ericson: Trying hard to be 'positive' but never succeeding? Blame Your Brain

The Kosher Gourmet by Julie Rothman Almondy, flourless torta del re (Italian king's cake), has royal roots, is simple to make, . . . but devour it because it's simply delicious

April 14, 2014

Rabbi Dr Naftali Brawer: Passover frees us from the tyranny of time

Greg Crosby: Passing Over Religion

Eric Schulzke: First degree: How America really recovered from a murder epidemic

Georgia Lee: When love is not enough: Teaching your kids about the realities of adult relationships

Cameron Huddleston: Freebies for Your Lawn and Garden

Gordon Pape: How you can tell if your financial adviser is setting you up for potential ruin

Dana Dovey: Up to 500,000 people die each year from hepatitis C-related liver disease. New Treatment Has Over 90% Success Rate

Justin Caba: Eating Watermelon Can Help Control High Blood Pressure

The Kosher Gourmet by Joshua E. London and Lou Marmon Don't dare pass over these Pesach picks for Manischewitz!

April 11, 2014

Rabbi Hillel Goldberg: Silence is much more than golden

Caroline B. Glick: Forgetting freedom at Passover

Susan Swann: How to value a child for who he is, not just what he does

Cameron Huddleston: 7 Financial Tasks You Should Tackle Right Now

Sandra Block and Lisa Gerstner: How to Profit From Your Passion

Susan Scutti: A Simple Blood Test Might Soon Diagnose Cancer

Chris Weller: Have A Slow Metabolism? Let Science Speed It Up For You

The Kosher Gourmet by Diane Rossen Worthington Whitefish Terrine: A French take on gefilte fish

April 9, 2014

Jonathan Tobin: Why Did Kerry Lie About Israeli Blame?

Samuel G. Freedman: A resolution 70 years later for a father's unsettling legacy of ashes from Dachau

Jessica Ivins: A resolution 70 years later for a father's unsettling legacy of ashes from Dachau

Kim Giles: Asking for help is not weakness

Kathy Kristof and Barbara Hoch Marcus: 7 Great Growth Israeli Stocks

Matthew Mientka: How Beans, Peas, And Chickpeas Cleanse Bad Cholesterol and Lowers Risk of Heart Disease

Sabrina Bachai: 5 At-Home Treatments For Headaches

The Kosher Gourmet by Daniel Neman Have yourself a matzo ball: The secrets bubby never told you and recipes she could have never imagined

April 8, 2014

Lori Nawyn: At Your Wit's End and Back: Finding Peace

Susan B. Garland and Rachel L. Sheedy: Strategies Married Couples Can Use to Boost Benefits

David Muhlbaum: Smart Tax Deductions Non-Itemizers Can Claim

Jill Weisenberger, M.S., R.D.N., C.D.E : Before You Lose Your Mental Edge

Dana Dovey: Coffee Drinkers Rejoice! Your Cup Of Joe Can Prevent Death From Liver Disease

Chris Weller: Electric 'Thinking Cap' Puts Your Brain Power Into High Gear

The Kosher Gourmet by Marlene Parrish A gift of hazelnuts keeps giving --- for a variety of nutty recipes: Entree, side, soup, dessert

April 4, 2014

Rabbi David Gutterman: The Word for Nothing Means Everything

Charles Krauthammer: Kerry's folly, Chapter 3

Amy Peterson: A life of love: How to build lasting relationships with your children

John Ericson: Older Women: Save Your Heart, Prevent Stroke Don't Drink Diet

John Ericson: Why 50 million Americans will still have spring allergies after taking meds

Cameron Huddleston: Best and Worst Buys of April 2014

Stacy Rapacon: Great Mutual Funds for Young Investors

Sarah Boesveld: Teacher keeps promise to mail thousands of former students letters written by their past selves

The Kosher Gourmet by Sharon Thompson Anyone can make a salad, you say. But can they make a great salad? (SECRETS, TESTED TECHNIQUES + 4 RECIPES, INCLUDING DRESSINGS)

April 2, 2014

Paul Greenberg: Death and joy in the spring

Dan Barry: Should South Carolina Jews be forced to maintain this chimney built by Germans serving the Nazis?

Mayra Bitsko: Save me! An alien took over my child's personality

Frank Clayton: Get happy: 20 scientifically proven happiness activities

Susan Scutti: It's Genetic! Obesity and the 'Carb Breakdown' Gene

Lecia Bushak: Why Hand Sanitizer May Actually Harm Your Health

Stacy Rapacon: Great Funds You Can Own for $500 or Less

Cameron Huddleston: 7 Ways to Save on Home Decor

The Kosher Gourmet by Steve Petusevsky Exploring ingredients as edible-stuffed containers (TWO RECIPES + TIPS & TECHINQUES)

Jewish World Review Nov. 19, 2007 /9 Kislev 5768

Cyber shopping and debit cards do not mix

By Mary Hunt


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http://www.JewishWorldReview.com | Planning to do a little online or mail-order shopping this holiday season? I have one very important piece of advice: Do not use a debit card. You'll understand why when I tell you what happened to Carol D. several years ago.


Late on the Friday after Thanksgiving, a stranger went shopping online with Carol's debit card. To this day, she does not know how he got the number, but that's all he needed. He didn't need a PIN or any kind of identification to shop his brains out at Target's online store. He spent thousands of dollars on Christmas gifts, all paid for with Carol's debit card.


It was more than a week before Carol figured out what had happened. When the bank called to tell her she had overdrawn, she was horrified. She knew for certain that she had quite a bit of money in her account.


After many terrible hours, it was discovered that someone had cleaned out her checking account, and when it became overdrawn, the bank had tapped into her savings accounts automatically. Only when everything was gone did they contact her.


Had this thug stolen Carol's credit card and gone on a shopping spree, she could have rested easy. Federal law provides that a credit card customer can be held for no more than $50 liability in the event someone steals it or uses it fraudulently. Visa and MasterCard both waive the $50, bringing a cardholder's liability to zero.


Not so with a debit card. Debit cards are regulated by the Electronic Fund Transfer Act, and each bank can interpret how it complies with this much weaker law. Unless you report a problem within two days of the event, you can be liable for at least $500.


Carol's bank tried to be understanding, but they had no way of knowing whether Carol had authorized these charges or whether they were fraudulent. She was broke through the holidays while the bank moved at its own pace to investigate. After many months, the bank agreed to restore some of the money that was stolen but not nearly all of it. Carol came out a big loser.

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My advice to you: When shopping online and by mail order, never use a debit card. Pay with a credit card, and you will have the federal law to protect you against thieves.


If you're a die-hard debit card user, please understand the risks involved. And never use your debit card to buy something long-distance. That's a problem just waiting to happen.

Every weekday JewishWorldReview.com publishes what many in the media and Washington consider "must-reading". Sign up for the daily JWR update. It's free. Just click here.

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Previously:

Readers' wisdom
Teach teens about money
How to wipe worry from your life
The Case of the Frugal Florist; more
Readers' wisdom
Some ‘green’ for the environment and your wallet, too
Navigating a new rental
Try the store brand — you might like it
Readers' wisdom
Professional Help for Your Financial Future
How to disinfect cold-water laundry; spouses having their own credit card accounts
Readers' wisdom
Get your ceiling fan spinning in the right direction
Kicking and screaming into a cashless society
Don't Underestimate the Emotional Payoff; stinky towels
A tip for fall gardening

© 2007, Creators Syndicate

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