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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--not just 数据画像无孔不入, but credit card companies data leak in usa
2026/06/18 18:17
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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).
 
ex omaha steaks rewards   Get the Great Steaks Sampler -Free Today
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.
 
ex Lowes member gift   Free RIGID Cordless 8-Tool Combo Kit --  Just for You
if you can directly mark as Spam, congratulation ! that means you realize Nothing is free or the company would be broke
 
ex Emery金刚砂   My name is willow. i already like you. now i just need  your name to make it official
--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
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
  • Terms of Service: The EULA limits Microsofts liability and explicitly states that you bear the risk of using the software.
  • User Responsibility: You are legally responsible for maintaining backups of your own data.     --i did backup in external devices the really problem win11 OneDrive auto SYNC ...would touch them and wipped off. can MS explain to us how users be responsible ? the last AI told me c:\, c:\users\username\document OneDrive touch them, and want me tried usb and i have no desire  to be the white mice again as it already happened before. why not let OneDrive team tell users what is their designed, ever think of allow users manage their data files and how ?
  • Disclaimers: Windows is provided "as is," meaning Microsoft does not guarantee the software is error-free or that content loss will not occur. [1, 2, 3]
How the Market Has Performed
Since 2013, the broader stock market has experienced a historic bull run. For context, benchmark index funds, such as those tracking the S&P 500, have generated annualized returns between 11% and 15% (including reinvested dividends) over the last decade. [1, 2, 4]
Why Your Returns Might Be 2.75%
A 2.75% annual average is typical for specific low-risk or conservative investments, including:
  • High-Yield Savings Accounts or CDs: The average baseline interest rates for a large portion of this timeframe were quite low.
  • Conservative Bonds or Fixed-Income Portfolios: Portfolios heavily weighted toward government or corporate bonds will generally yield less growth than equities.
  • High-Fee Mutual Funds: Some investment products carry hefty management and administrative fees that eat into your net returns.
  • Poor Fund Selection: Holding highly speculative or stagnant individual stocks. [1, 2, 3]
The Impact of Inflation
A 2.75% return means your money isnt doubling in value very quickly. Furthermore, because historical inflation has hovered around 2% to 3% annually, your real return (your purchasing power) after adjusting for inflation is close to zero, or even negative. [1, 2, 3, 4, 5]
To get a clearer picture of why your portfolio grew at this rate, it would be helpful to know:
  • What specific assets, funds, or accounts you are invested in?
  • Is this a self-directed brokerage account or a managed employer/financial advisor account?
  • Are you looking at the price appreciation only, or the total return (which includes reinvested dividends)?
  • searched [how to get investment stocks and mutual funds from 2013 to 2026 issued dividends ?] 
    To retrieve a complete, 13-year history of issued dividends from 2013 to 2026, you can use financial databases like Yahoo Finance for individual stocks, or access official mutual fund documents like prospectuses and annual reports Money StackExchange.
    A structured approach will help you find and compile your data efficiently:
     
    1. For Individual Stocks (and ETFs)
    • Yahoo Finance: Search the ticker symbol, click Historical Data, change the Time Period (e.g., 1/1/2013 to 12/31/2026), select Dividends Only from the "Show" dropdown, and click Apply to download the CSV.
    • --6/18/2026 this is my favorite usa website https://finance.yahoo.com/quote, and it did provide history dividends, unit price by typed symbol , select date range, history price, monthly that also provide issue dividends rate (roughly estimation to comparing the total amount, if not much different from 6/17/2026 then no stealing happen)
    • that can help me to find out why only got 2.75% interest rate for many years investments.
    • Nasdaq Dividend History: Type the ticker for a quick, aggregated view of payment dates and amounts. [1, 2, 3]
     
    2. For Mutual Funds
    • Capital Group: Use their Historical Distributions search tool to find specific share-class distribution histories over long time horizons. [1]
    • SEC EDGAR System: Search the mutual funds name to view official Statutory Prospectuses and annual reports, which disclose detailed historical distribution and dividend payouts. [1, 2]
    • --i did visit https://www.sec.gov/  click mutual funds search (left panel) then select mutual fund prospectuses search, typed mutual funds symbol but shows [No matching companies.] searched [what is the company name that owns mutual funds symbol zzz] then typed the company name got [ VARIABLE ANNUITY ACCOUNT] and [VARIABLE LIFE ACCOUNT] wrong answear? why not use mutual funds symbol ? i dont think can find the company each mutual fund symbol history dividends issued. 
     
    3. For Spreadsheets and Deep Analysis
    • Dividend Data: Install the add-in for Excel or Google Sheets to automatically pull up to 30 years of historical dividend events and distributions using simple formulas. [1]

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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 ) ?


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