A
toast, please, to technology, which makes our lives so much smoother and
easier. Faster, and more flexible.
Without
technology, life itself would be a constant struggle. With technology, we’re free to discover new and exciting
ways to slip on the banana peel.
Or
am I getting ahead of myself?
Consider
the beauty of online banking. With online banking, it’s no problem at all for
you and your loved ones to maintain multiple accounts for multiple purposes --
one for essentials, for instance, and one for “happy money” -- and to move your
dollars back and forth between them with just a few clicks of a keyboard as
circumstances dictate.
With
online banking, you can tell with a glance at a computer screen exactly which
checks have cleared, and which ones are still floating around out there. With
online banking, you know in an instant precisely how much (or, more to the
point, how little) you still have in your account, so you stay out of trouble.
Essential?
No doubt about it!
Someday
I really have to try it.
For
the moment, though, I’ve tiptoed only so far into Techno-Dollar World. I
finally started paying some of my bills online. Which was more than enough to
get me into hot water.
It
started as an emergency measure -- I’d let the payment deadline for this or
that credit card creep up on me until it was only a day or two away, and the
Postal Service wasn’t any more reliable than I was about getting things to
particular places at particular times. Meanwhile, the card companies’ penalties
for late payments -- even just-a-tiny-bit-late-payments -- had turned totally
medieval. I couldn’t afford to be
late, so I took the plunge and went online instead.
It
was a snap. No more scrounging around for stamps -- and really now, who wants
to spend an extra 44 cents every time you pay a bill? No more digging around
for envelopes. No more having to write all those tedious details on the check,
or in the check register, or --
Not
exactly.
It
turns out that even in my tiny corner of Techno-Dollar World, some things don’t
change: You still have to enter the payment in the check register.
It’s
not that I didn’t know that. It’s more that I forgot it. With all the speed and
convenience of paying my bills online, I was finished before I ever realized
that I wasn’t finished. And since
I hadn’t had to open the checkbook to actually write a check, it was easy to
forget about opening the checkbook to subtract the proper amount of money from
my balance.
Can
you say “overdrawn”?
Can
you say it four times?
It’s
absolutely amazing how many bills you can pay with the very same money if you
never do any subtraction.
What’s
not at all amazing is that the bank kept better track of my confusion than I
did. They knew just where zero was, and just when I’d crossed it. There was a
letter. There was a phone call. They couldn’t have been kinder, but rules are
rules. And zero is zero.
Really
now, who wants to spend an extra 44 cents every time you pay a bill when you
can pay an extra 31 bucks for every overdraft?
A
toast, please, to technology. But nothing too expensive, OK?
# # #
Rick Horowitz is a syndicated columnist. You can write to him at rickhoro@execpc.com.
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