What is an ATM? It’s a bank machine not a slot machine, or is it?
There are times in life when you think something isn’t possible and then you read stories like I did this morning and smile because you know that errors happen all the time.
Gone are the days many years ago my wife says when you pull up to a bank drive-thru and are greeted with a friendly smile from a banking representative.
Do you remember that? I don’t because we don’t have that in the UK that I’ve ever seen but I’ve been gone for a few years now.
Just like a computer the human can make errors and in this case a big one. What’s the scoop this week you ask? Well, let me tell you I never get to witness any outrageous things like this story.
Confessions of an ATM
Let me break down the scenario with some of my added humour. (Well it’s funny to me)
So you pass by the nearest ATM (automated teller machine) at the bank to take out some cash. You are one of those people whose brain always asks “what if” and decide to test out the ATM to see if it would hand over some extra cash.
You proceed to have the ATM process your request to remove money from your bank account with your legit bank card which now reads a balance of $0. What the heck let’s see if the ATM will spit out the millions for me like a slot machine would. DING…DING DING… somehow the coding is wrong and guess what you’re looking over your shoulder wondering how you’re going to get your new windfall home.
This is what happened to a homeless man in Maine at a Canada Trust bank with what they say is a temporary windfall. What are the chances of that happening and he’s homeless? I’m pretty sure he was shaking with fear and excitement when the ATM was spitting out more than $37,000 dollars for him.
For many people that’s about one year’s salary and all he had to do was test out the ATM system to see if it was stupid enough to give him cash. I’m pretty sure he was thinking about hitting all the ATM’s in town to see how user-friendly they were, lol.
Honest or not
Honesty is always the best policy but let’s be realistic here for a moment. If you found money on the ground you’d likely pocket it. If you found money at the grocery store you’d likely pocket it although some may turn it in.
If someone gave you extra cash back and you noticed you might say something so their cash balance isn’t out at the end of the day. You might say nothing at all. It really depends on you as a person.
This homeless man thought nothing of it and of course not, he’s homeless. Money might make his world go round. I’m sure he was spending it in his head as he was jamming it into a shopping bag. Police were alerted when someone noticed he was spending too long at the bank machine and he was caught with the bag of cash.
Could you imagine standing in line behind some guy and he’s stuffing cash into a shopping bag lol. My mind would be thinking a million things but not that he cracked the ATM code. I thought banks were smarter than that. I’ve talked on the blog before about computerized systems and the scanning code of practice at the stores.
Don’t rely on the computer cash register system to always spit out the right price because a glitch could happen and errors could happen just like in the case of the ATM at Canada Trust.
Although it wasn’t a computer glitch it was supposedly a code error the bank says. We have to be prepared that human error happens in technology so we much check all of our bills and receipts carefully even if you take money out of an ATM. Check your bank slip, don’t just leave it there for the next person to check for you.
I’m pretty sure many of you can tell me you’ve went to an ATM and noticed bank slips just hanging around, on the floor even still hanging out the ATM receipt slot.
Most of us are all curious by nature and read them just to see how much money is in the bank account of the person who owns that account. Others might try to use banking information for illegal purposes.
My point is to never say something can’t happen because it can. You can add layers of security to a system and all it takes is a simple error and someone like this homeless man hits the jackpot.
Should he have turned the money in on his own? Well many readers on Yahoo said it was his and the banks fault for allowing it to happen and others said yes.
Again, it all depends on how you were brought up to deal with these types of situations. I was told by my parents that if it’s not mine to give it back. It’s a different story for many people when it’s a boat load of cash because money for most can solve many stressful problems.
Money can go towards paying off debts to paying for school loans, so if you can live with it in and hope that you don’t get caught you’ll likely do it. If you can’t you’ll be phoning someone to them know the ATM you were at gave you more money than anticipated. Alternatively you can also tell the truth that you were playing around to see if you could fool the bank.
Do you think it was the banks fault or he was playing the slots and just got lucky?
What would you do if the ATM gave you cash that wasn’t yours?
CBB Blog and at home
This week on the blog has been challenging although it’s been stressful at times ever since I had it moved and re-designed trying to understand the problems that have happened.
I hope I have sorted out the issues but if not I’ll have to hope that some smart computer engineer out in Blue Host land will help me figure this out. You may have noticed that you didn’t get a blog post in your email one day or you got two blog post links in one email the following day. As a subscriber you still got the blog posts just a day later or two in one email.
So far I’ve had a really helpful customer service rep that has assisted me to sort out the issue. The blog has been so busy that I may have to make some changes to my hosting plan plus clean up some garbage on the site. You may notice smaller photos moving forward or less photos for that matter as they tend to slow down a blog.
It’s been a learning experience and anyone who thinks starting a blog is simple will have the shock of their life when things go wrong or as they learn day by day.
I’ve also like many other bloggers have many people trying to hack into Canadian Budget Binder because they simply have nothing else better to do with their time. I’m not sure what the point is besides trying to blow up my site and getting a laugh out of it but my mate Grayson from Debt Round Up has helped me sort that issue out with extra security on the blog.
If only some of these hackers put their brains to good use they’d be making money the right way and wouldn’t have time for this hacking game. We can’t fight the world now can we so we have to protect ourselves. Sounds like just about everything in life.
So far no more hackers trying to break through, thank goodness. A big thanks to John from Frugal Rules for sending Grayson my way. He was super-fast at sorting it out and putting everything in place. If you need any help with your blog check out his services and he’ll sort you out.
Other than being very ill this past week I haven’t had much chance to get what I wanted to done but I’m working at it. This coming week I need to get the snow tires off and get the vehicle cleaned inside and out so that’s on my to-do list.
I’m feeling better now. Thank-you to all the fans and bloggers who emailed me and left me messages on social media. You all make me smile for caring about me so much. Thank-you.
Until next week, enjoy this edition of The Saturday Weekend Review!
Fan deals and inspirations
Submit your Brag or Inspiration If you have a brag that you want me to share email me at canadianbudgetbinder (@) [yahoo] [.ca] or fill out my contact form by Friday each week to have your brag considered for the Saturday post.
This week CBB fan Angela shares her deals of the week.
Dear Mr. CBB:
I made a trip into my local Real Canadian Superstore to pick up a few price match items and use a few coupons. I’m super happy about the items I left with and the value I paid. Raspberries are a favourite in our house and getting them for under $2 a container is awesome.
- 6 x 1/2 pints of Driscoll’s raspberries price matched to Metro at $2.24 each ($13.44) less 5 coupons at .75 and 1 coupon $1.00 ($4.75) gaining 3,600 PC Plus points from online bonus added to card – the Driscoll’s coupons come from the online surveys as a printable and our RCSS is good with them.
- 2 x 450 gr Cheese Whiz price matched to Metro at $2.94 each ($5.88) gaining 2,600 PC Plus points (1,000 in-store promo and 1,600 from online bonus)
- 1 English cucumber price matched to Giant Tiger at .88 gaining 400 PC Plus points from online bonus
- Total $15.45 after coupons subtracted with 6,600 PC Plus point added to my husband’s PC Plus account.
Weekly CBB posts
If you missed any CBB posts from the week here is the list of posts you can catch up on reading!
- How to keep weeds and other pests off your lawn
- Unexpected expenses and savings: Our Budget Update March 2014
- Is one cent a grocery price savings? The Grocery Game Challenge #1 April, 2014
- Does having debt mean you are having too much money fun?
- Easy Juicy Meat Buns
- Is customer service affected by the clothes you wear?
- Is the big house the problem or the price?
Making a difference
If you know a personal finance blogger that is making a difference and want to nominate them please send me an email so I can reach out to them for a feature story.
Note: If you are a blogger who gives back and would like to be featured by all means get in touch with me as I am filling spots up for the rest of 2014 and they are going quickly.
Today I’d like to introduce you to my Canadian personal finance blogger friend Morgaine.
Hello CBB Readers,
My name is Morgaine and I blog at Morgaine and Money.
I started my blog because I had debt. First, I had student loans and then I got into consumer debt.
As I began to get serious about paying off my debt, I saw that there was an online community, the Personal Finance community and I decided to join. I love that we can post what we’re going through and get feedback and suggestions.
Starting a blog and joining the PF community has been the best thing I’ve ever done for my finances. I have paid off my debt, saved for a wedding in cash, saved up for a down payment, and now we’re working on saving for whatever life brings us next!
I’m continuing to share my story so that maybe I can be an inspiration to someone who is in debt and feels like there’s no light at the end of the tunnel. At one point, I felt that I would never get out of debt and have the life that I wanted, but I’m here now, and others can be too!
Feel free to drop me a line at my blog or on twitter @morgainemoney
What is a blog carnival?
Some fans have asked me “what is a blog carnival?” so a little explanation is due here for anyone reading for the first time or for my long-time fans.
A blog carnival is where a blog or website hosts what we call a carnival of blog posts from around the web. Most blog carnivals have a theme and certain rules for submitting which must be followed.
If you are a blogger and would like to learn what blog carnival directories I submit to each week you can find the information in a previous Saturday Weekend Review post that I wrote.
A big thanks to these pages for accepting my blog posts and sharing them in the following carnivals and/or sharing my blog posts with their fans.
- Blog Carnival #35– Aspiring Blogger
- Yakeezie Carnival– The Money Principle
- Carnival of Financial Camaraderie– Finance with Reason
- Brighter Life Likes– The Brighter Life
- The Challenges of Network Marketing- Travel, Booking and Leisure guide
Google search terms
Every week I get thousands of people visit Canadian Budget Binder because they did a search online and found my blog. Keep in mind any spelling errors below are because I share with you the exact way they typed their search engine query to land on my blog.
Here are a few of my favorite searches that may have even brought you here and you’re reading this, now.
- How to eat on welfare– I have a blog post in the making to help you sort this issue out. It’s a big request here at CBB and I must put something into words to help those that struggle to grocery shop on a limited budget in order to eat well.
- Rent a goat price– I’m still laughing at this because I never actually thought people would want to rent a goat. Katrina wrote a blog post here last year about goat rentals. Turns out it’s pretty popular.
- Men who cook are worth it– Of course we are 😉
- How to hide savings from OSAP- Is it worth it?
- I want to earn lots of money from my business from law of attraction- You go for it!
That’s all for this week’s edition of The Saturday Weekend Review #66. Have a great week and catch me here again next Saturday with more updates.
Are You New To Canadian Budget Binder?
- Follow Me on Social Media: Twitter, Facebook , Pinterest , Stumble Upon, Reddit and Google+
- Don’t forget to Subscribe to Canadian Budget Binder by Email to get my daily email. Once you subscribe you MUST VERIFY your email account so check your spam folder and inbox for that email!
- Check out my new Free Recipe Index
- NEW! My Ultimate Grocery Shopping Guide Canada!
- If you like FREE then click this link for my FREE Excel Budget Spreadsheet and all my Free Money Saving Lists!
- The Saturday Weekend Review #57: Should children go without lunch for parents debt?
- The Saturday Weekend Review #58: Do you send a brown bag lunch with your kids to school?
- The Saturday Weekend Review #59: Free Love with a post-it note no calendar required
- The Saturday Weekend Review #60: How to lose your job with one dumb move
- The Saturday Weekend Review #61: Why you should teach your children respect
- The Saturday Weekend Review #62: Bounced cheque for Girl Guide cookies not so sweet
- The Saturday Weekend Review #63: What’s in your pockets?
- The Saturday Weekend Review #64: Walmart USA getting smarter with pricing
- The Saturday Weekend Review #65: Is customer service affected by the clothes you wear?
Photo Credit:freedigitalphotos.net/Adam R