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Some reasons to keep money out of Paypal

How Paypal is hacked.

The point here is not that Paypal is a bad vehicle for transferring money from place to place, but that it isn’t the best place to keep a lot of cash. Do your transfers there, but then remove the money quickly to a much more secure location.

Pioneer cover

From the press release: From the moment he is handed a possibility of making the first alien contact, Saunders Maxwell decides he will do it, even if doing so takes him through hell and back.

Unfortunately, that is exactly where that journey takes him.

The vision that Zimmerman paints of vibrant human colonies on the Moon, Mars, the asteroids, and beyond, indomitably fighting the harsh lifeless environment of space to build new societies, captures perfectly the emerging space race we see today.

He also captures in Pioneer the heart of the human spirit, willing to push forward no matter the odds, no matter the cost. It is that spirit that will make the exploration of the heavens possible, forever, into the never-ending future.

Available everywhere for $3.99 (before discount) at amazon, Barnes & Noble, all ebook vendors, or direct from the ebook publisher, ebookit. And if you buy it from ebookit you don't support the big tech companies and I get a bigger cut much sooner.


  • Cotour

    I have used Paypal only a couple of times for purchase transactions, never used it enough to have a problem, never for money coming to me. I now use SQUARE exclusively to clear all my credit card transactions, which I love.

    Simple, no transaction fees other than your agreed upon percentage (as advertised, 2.75% for swiped cards and 3.5% for manual entry transactions, no additional transaction fees. Lower rates available for higher numbers) wireless, super fast and you get your money the next day if your transactions are done before 8PM. In addition if you are turning significant numbers they will front you capital if you so desire and its paid back automatically everyday until satisfied, no applications, no muss no fuss. And you are able to go to your screen and see exactly your transactions, activity, payments and customer feedback.

    Square good.

  • wayne

    Q: How do you deal with the newer cards, that have embedded chips?
    -Gas station (regional-chain) where I frequent gave up on their brand-new chip-readers, but they manually enter the last 4 digits on the card after it’s swiped. (People were getting upset having to wait an extra 10-15 seconds.) (craziness)

    As for PayPal- I use it for EBay exclusively. Never had a problem, although I do tend to get a lot of fake Ebay/Paypal phishing-email, when I run a lot of auctions.

    As Mr. Z advises, do your transactions & transfer the money in/out.
    I just leave a token balance at PayPal, and it’s only connected to a savings-account, again with a token balance, & I turn any PayPal transfers into cash as soon as I mail the package’s.
    (This surprises me– I changed my email identifier account at PayPal early last year, they made me go through the whole process of “re-verifying my identity,” & the test-deposit’s into/out-of the linked account, –took like 4 days in total & the account was frozen. What’s going down at PayPal!?)

  • Cotour

    I have the equipment for reading chips but have not set it up yet (I rarely have an issue with charge backs and that extra layer of security that the chip offers is what the chip is about as far as I know). I did use my own card at Target the other day and they read my chip and it did take a bit longer, which surprised me.

  • wayne

    Cotour- thanks.
    WSJ article recently; VISA for one, has issued embedded cards to 90% of their customers but apparently only 60% of their Merchants are on-board with the equipment. (yeah, fraud protection, chip generates a one time code for authorization.)
    Yeah–transaction takes slightly longer than just swiping, yet people complain as to the speed.
    >I worked at a gas station in college, we had to use those carbon copy receipts & a mechanical imprinter, and they paid us $5 for every stolen credit-card we seized. The little paper booklets with the “hot-list” came in twice a week.
    My, how times have changed…

  • Edward

    Wayne wrote: “Yeah–transaction takes slightly longer than just swiping, yet people complain as to the speed.”

    I have been noticing that the delay-time is less, these days, than when they first started using the chip readers, a few months ago. The chip-reader delay, a few months ago, was still less than the delay of waiting for the clerk to look up your card number in the “hot-list” booklet, which looked so worn that they seemed weeks old, not days or hours old.

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