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原创 为什么建议大家尽量使用现金支付？原因很现实，银行人告诉你答案2026-06-15 12:04 来源: 墨珑甲说
发布于：山东省
--in usa such 诈骗分子 are 小角色, for easy be cheated seniors must learn to refuse or stay away those fraud emails, text messages about this free that buy one get one free. not only examine the received emails title but also need to examine senders email address, verify companies name. not direct open those emails but thru mark as Spam, if you have kids they should help to screen those emails, phones, text messages and blockaded those received frauds.
if you still young then better recorded your transactions in money-related app that can help you to analysis what items you paied, whether can reduce those not necessary items you bought, even can comparing with banks system that in usa i caught auto deleted history transactions (very likely 系统化 stealing money or bugs or hacked) basically i dont think would happen in China unless they bought bank apps from forieign countries as usa bought from Indo companies made apps (spouse told me).
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you can : 1. directly mark as Spam which proves you knew 天上不会掉下馅饼, no need running the risk to right click then select [view raw message] or [filter messages like this] because very easy 错误地 open the fraud emails.
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if you can directly mark as Spam, congratulation ! that means you realize Nothing is free or the company would be broke
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--i would very carefully mark it (click square box) right click (the solid circle) select [filter messages like this] Add Filter then click Save because 1. i already married even the marriage is not great as living with scare for unknown psycho thief and abuser, the worst returned what were stolen food related who knows how many years ago or what added into opened items. ... 家家有一本难念的经
why trust unknown stranger who got your email address, on purpose mis-spelled name and allured you to open the email ...
if you are unmarried then try to look around you met people such as classmate, schoolmate, neighbor, friend, worker ... or join activity to know more 志同道合.
our ex-neighbor old lady she wont pick up phone, wont open door (few times she would actively invite me to her house) , most good weather she would sit in nearby garage and if i work in yard we would chat for a while.
--recently a handyman-type drived the car directly park in our drive way spouse heard the ring and chat with him, i immediately warned him, the man is fraud. i can sense the man is target at us (he didnt knock other neighbor) same as we were cheated by 3 fraud handymen with boss-so-called business card. then now remember several times some young men drived by and ring the old lady door even i knew she was at home still wont come out. when i iquired what about they all declared the old lady called them to repair something. very likely she didnt but they target at her. same happened to us.
Always remember : you are already target by fraud team, this is why you receive the fraud emails or text messages forever. so far [filter messages like this] seems working and might auto reduce fraud emails especially those disgusting sex harrass emails.
the only thing cant stop is banks, investment company their system bugs or else related. recently just found seems : some one login our bank with investment account. did Google search as:
[can it be possible investment company processing settlement so login my account as 6/17/2026 but today is 6/16 ? ]
Yes, this is entirely normal. Investment firms frequently process transactions and post settlement dates for the next business day. Since financial markets are closed for the evening or because of processing times, they queue the action to formally settle or reflect in your account on the next open business day (June 17, 2026).
Understanding this is simple when looking at how your firm operates: Next-Day Settlement (T+1): Most equity trades and mutual funds require one business day to officially settle (known as T+1). If a transaction (such as a deposit, sale, or transfer) is initiated on June 16, the system automatically assigns the official settlement to the next business day, which is June 17. Batch Processing & Time Zones: Investment back-offices process daily batches overnight or at specific cut-off times. If you log in after the daily cut-off or across time zones (especially for overseas trades), the system frequently pre-dates the account status to the next business days value date. Trade Date vs. Settlement Date: The trade date is the day the order was executed (June 16), while the settlement date is the day the cash and securities officially change hands (June 17). Your funds or securities will typically be fully available or finalized when the market opens on June 17, 2026, according to your specific Brokerages Settlement Policies. --the weird is : didnt happen before why it became daily happened. the website did show :
The price shown for xxx may not be current
xxx is pending settlement
Should i call the company ? whoever pickup the phone would answear either they cant see or knew about it.
since spouse forced me to do consolidate in 2018 Aug (correct : not 2013 moved in Elgin), the investment result is : we only got 2.75% (except paied taxes), did the investment company steal money or stock market unit price deeply down ? how to examine ?
Obviously it caught attention so far investment company got sued and settlement is processing...
ps searched [invest $xxx about 8(not 12) years became $yyy what is the interest rate ?]
The interest rate is 4.17% (correct : not 2.75%) per year.
Here is the step-by-step calculation using the compound interest formula:
r = (FV / PV) ^ (1 / n)
FV (Future Value): $yyy
PV (Present Value): $xxx n (Number of years): 8 (x 12) searched [is it normal that investment since 2018 (x 2013) but got 4.17 % (x2.75%) per year ?]
A 4.17% annual return since 2018 is normal for conservative portfolios (like bonds or cash), but it is well below the broader stock market average. For context, a broad market fund like the S&P 500 returned over \(12\%\) annually during the same period
--6/20/2026 that means all we bought mutual funds , stocks in the end became conservative portfolios. from history unit price it shows mutual funds :
A Aug 1, 1990 $10.00 if we bought before Bush wars it was $11-$10, later was $9-$8; in 2013 recovery $9, in 2018 $8-$9, 2024 $7, 2026 $8 issue monthly dividends except 2025 $7-$8 0, 2026 $8.16 once.
S Aug 1, 1990 $10.00 cost $9.19 in 2000 $11-$10 then wars till 2008 down to $7-$5 2016-2022 $8 Baiden war-2024 $7, 2025-2026 $7-$8 issues monthly dividend excpt 2025 0, 2026 once
cost $9.19(need to find out purchased date) 6/18 $8.19; did it wipped off dividends? No.
K Apr 1, 2001 $4.33, spouse bought 2018? $6(i dont think so, not so high risk but it is HR company offered quite few options i need to verify), 2026 june finaly $5-$6 issue yearly didvidend except 2002, 2008, 2022
-- from the above and my feeling any time dividends wipped off, whenever unit price about recovered then masters wars drop down repeatedly and every year we are forced to pay those dividends taxes. i really dont think it worth if masters wars wont end. i can see 4.17% investment in mutual funds and stocks (especially frequently split off, merge type stocks we always lost money) not mention 3 or 4 fell down already. 6/18/2026 called investment company about some one seemed login our account and the man did see what i saw [last login 6/18 12pm but showed 6/18 4? pm earlier was today saw the next day] and court sued [failed to pay a reasonable rate of interest on cash balances] which i did found 3 received $0-$1 but total balance didnt increase at all. the rest of 4 all are $0. especiall the highest $1 interest in BLACKROCK LIQUIDITY account became $10 less than principal.
A 2.75% annual return since 2013 is well below the historical average. While it is technically possible depending on your specific investments, this return has significantly lagged the broader market and has likely lost purchasing power to inflation. [1, 2, 3],
--ps if back to the 1st date spouse bought (2004? ) during economic recession 3 or 4 down then might became less than 1-2 %. Decide to spend long time to verify it.
searched [due to Win11 i lost bank download 2018 statements, do i have right to get a copy from bank that way over 5-7 years ?] You generally do not have an automatic "legal right" to demand statements over 5 years old, as federal laws only mandate a 5-year retention period. However, many major banks archive records for 7 to 10 years. You can likely recover them by requesting a retrieved archive search, though you should expect a research and printing fee (typically $5 to $25 per statement).
searched [can i sue MS win11 about lost bank download 2018 statements ?] You cannot realistically sue Microsoft for lost files. When you install Windows 11, you agree to the Microsoft Services Agreement and End User License Agreement (EULA), which legally shield the company from liability for data loss and limit their damages to $5.00
--this is what i said fraud emails, phone call, text messages 诈骗分子 are 小角色, companies such as utiities and ISP companies(changed service period dates and amount), banks with investment company apps are the most difficult to catch 大角色 and never can catch the 顶级角色 MS win11. maybe banks didnt but win11 caused the side effect -- i was told by AIs what i saw on line already paied amount auto changed ... due to black screen MS helper installed win10 23H2 in stead win11 23H2 turned my PC very unstable so many weird symptons (just like hacker did included the hacker sent to me blackmails who knew what i suffered win11 weird symptons very well) happened.
Why a Lawsuit Wont Work
How the Market Has Performed
Why Your Returns Might Be 2.75%
A 2.75% annual average is typical for specific low-risk or conservative investments, including:
The Impact of Inflation
To get a clearer picture of why your portfolio grew at this rate, it would be helpful to know:
============================== 数据画像无孔不入 -- it happened to spouse who needed to use bank card to cash $1800 + $500 to pay the 3 fraud handymen then the bank card immediately was charged by unknown fraud man (very likely caused by 数据画像 installed in bank inside machine area, quite shocked). myself bank issued Amazon card was charged twice by stranger (2 person?) used my credit card to pay twice Amazon Prime member monthly fee, another paied to 中東 country but auto caught by bank, another stranger use our credit card to pay visited clinic mental related. --6/18/2026 bank refund the charges except we lost $2300 cash by fraud handymen cheated, we reported to police station only got the police reporgt that whatever 3 bastards did worth $0. . Again we didnt lose our credit cards so how it happened ? not just 数据画像无孔不入, but credit card companies data leak ? ps 6/18/2026 most time if we used credits cards must relate grocery shopping, spouse visited grocery or breakfast stores few times their machine didnt succeed then he used bank card, only visited bank which has machine inside to get cash to pay the fraud handymen, more safe with bankers can see) how can hacker install 数据画像 inside the bank, if so must have more clients as victims (bank took 2? months investigated then removed the charge ) ? FBI突袭柬(x東)埔寨电诈园区--6/20/2026 finally usa, China, 阿联酋 in 迪拜 caught 电诈 276 criminals (many of them worked in 柬埔寨电诈园区) and over 40% money went to 柬埔寨, cooperated together to catch the 电诈 real boss group behind.
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6/22/2026 received old house property taxes related that showing income below $75,000 and 65 old by 6/1, lived in ILL at least 3 years, pay the property taxes, can apply tax deferral program.
assessment freeze homestead exemption : limit income $75,000, owner before 1/1
--i read 3 times decide to call but failed. the 4th time i told spouse we dont need to visit office or fill the application form as our case should be auto renewed for the 2026 tax year payable 2027 if no change (sold, moved but own the the house, the qualified senior passed away...) but i am consider to add my name in just in case.
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