Google Contactless Pay

[Jakubclaret]

Smartphone for £4 per month? You're sure that's internet access, not just phone calls and texts? I already have a phone that does calls and texts.

The post you have quoted doesn't mention anything about data. You are talking double figures for all 3 unlimited.

[Clovius Boofus]

Smartphone for £4 per month? You're sure that's internet access, not just phone calls and texts? I already have a phone that does calls and texts.

Getting bored of this. Yes, it includes 5 GB per month, which would be well ample for your banking and ticketing needs.

Anyhow, on reflection, I now think you should stick to your rubber finger and continue to ignore stuff that makes life easier.

[Walton]

The post you have quoted doesn't mention anything about data. You are talking double figures for all 3 unlimited.

Lebara have a non-contract deal for unlimited calls and messages with 5gb of data for £1.98pm for the first 3 months, then £4.95pm thereafter, working out around £4.20pm for a 12 month period.

They do cheaper deals as well

[dsr]

Lebara have a non-contract deal for unlimited calls and messages with 5gb of data for £1.98pm for the first 3 months, then £4.95pm thereafter, working out around £4.20pm for a 12 month period.

They do cheaper deals as well

Brill. How much for the handset?

[dsr]

Getting bored of this. Yes, it includes 5 GB per month, which would be well ample for your banking and ticketing needs.

Anyhow, on reflection, I now think you should stick to your rubber finger and continue to ignore stuff that makes life easier.

The second sentence isn't really necessary, is it? Obviously you're perfectly entitled to sneer because you like modern gadgets and I don't, but just because you're allowed to do it, doesn't mean you should.

Anyway, another question on the same subject (if asking these questions doesn't upset you any more.) What happens when someone dies? They don't have a paper trail, their phone is unbreakable, and I dare say no-one knows where their money was kept. Genuine question.

[Devils_Advocate]

Anyway, another question on the same subject (if asking these questions doesn't upset you any more.) What happens when someone dies? They don't have a paper trail, their phone is unbreakable, and I dare say no-one knows where their money was kept. Genuine question.

The money is in your bank account and your bank statements would be the paper trail.

[dsr]

The money is in your bank account and your bank statements would be the paper trail.

I didn't realise internet banks still sent out paper statements. I know credit card companies don't if you let them get away with it.

[Devils_Advocate]

I didn't realise internet banks still sent out paper statements. I know credit card companies don't if you let them get away with it.

Yes they do but most people would use a digital bank statement via their online banking account

[dsr]

Yes they do but most people would use a digital bank statement via their online banking account

That's what I thought people did. But if the executors or next of kin just have to watch the letterbox for a month to get the next paper statement, then it's an awful lot easier than unlocking a phone.

[Jakubclaret]

Lebara have a non-contract deal for unlimited calls and messages with 5gb of data for £1.98pm for the first 3 months, then £4.95pm thereafter, working out around £4.20pm for a 12 month period.

They do cheaper deals as well

I know they do. Smarty are cheap as well, but you will not get unlimited everything for under £10 a month that's the initial point I was making.

[Devils_Advocate]

That's what I thought people did. But if the executors or next of kin just have to watch the letterbox for a month to get the next paper statement, then it's an awful lot easier than unlocking a phone.

Whats the phone got to do with it? Nothing is stored on the phone and the next of kin dont have to wait for a bank statement be it on paper or online. The bank itself will be who provides the executors or next of kin any information they need.

You do realise that when somebody dies professional executors can obtain financial information of what banks the deceased uses and they would just go direct to the bank with the power of attorney.

Please if you are managing the estate of someone close who has deceased don't sit around waiting for a bank statement to come through the letterbox as you will be wasting yours and any other involved parties time.

[ClaretTony]

Smartphone for £4 per month? You're sure that's internet access, not just phone calls and texts? I already have a phone that does calls and texts.

Calls and texts are free now - £4 per month for a sim sounds about right to me. I don't pay much more for mine and I don't have the minimum data.

[Boss Hogg]

It's more the not having to carry a wallet around with me that I like.

There are bank card holders in many mobile phone cases. No need to take a wallet then.

[quoonbeatz]

You don't tend to get much 'shakes fist at plane' material anymore so this thread is a real boon.

[dsr]

Whats the phone got to do with it? Nothing is stored on the phone and the next of kin dont have to wait for a bank statement be it on paper or online. The bank itself will be who provides the executors or next of kin any information they need.

You do realise that when somebody dies professional executors can obtain financial information of what banks the deceased uses and they would just go direct to the bank with the power of attorney.

Please if you are managing the estate of someone close who has deceased don't sit around waiting for a bank statement to come through the letterbox as you will be wasting yours and any other involved parties time.

Actually, the reason I asked what happens when someone dies when they don't have a paper trail, their phone is unbreakable, and no-one knows where their money was kept, was because I do not realise what happens. Are you saying that a professional executor would be able to find a list of all my investments and assets if I died suddenly? If so, that answers the question. Where is this list?

Let's put a simple question, and if you could answer it without being scornful about my ignorance. You can be polite to stupid people as well, if you want to be. If I die, and my brother has to sort out my affairs, and all my transactions are on my mobile phone - how does he find out where my money is?

[Clovius Boofus]

He can always get one of your fingerprints from your phone, copy in onto a piece of cellophane and make a rubber finger.

[quoonbeatz]

He'll have your fingerprint somewhere, surely?

[dsr]

If I die, and my brother has to sort out my affairs, and all my transactions are on my mobile phone - how does he find out where my money is?

[Walton]

If I die, and my brother has to sort out my affairs, and all my transactions are on my mobile phone - how does he find out where my money is?

One would assume he'd know your date of birth and would therefore get straight in on your PIN.

[Rileybobs]

If I die, and my brother has to sort out my affairs, and all my transactions are on my mobile phone - how does he find out where my money is?

Your transactions wouldn't be on your mobile phone. Your mobile phone is the medium by which those transactions may have been made. I'm not being rude but I think you've got a complete lack of understanding of how the technology is being used, which is fine of course - but you don't really seem willing to learn.

If you die, I imagine that somebody would have the power to undertake a financial search (digitally!!!!) which would link your name with all of your legitimate financial affairs. I expect this is an easier way for your brother to find your money than if you've hidden physical cash under the floorboards, for example.

[Devils_Advocate]

Actually, the reason I asked what happens when someone dies when they don't have a paper trail, their phone is unbreakable, and no-one knows where their money was kept, was because I do not realise what happens. Are you saying that a professional executor would be able to find a list of all my investments and assets if I died suddenly? If so, that answers the question. Where is this list?

Let's put a simple question, and if you could answer it without being scornful about my ignorance. You can be polite to stupid people as well, if you want to be. If I die, and my brother has to sort out my affairs, and all my transactions are on my mobile phone - how does he find out where my money is?

I would say Ive been very polite we my last few responses to what are very basic questions. I've took your questions on face value and answered them in a very straight manor and have not been scornful at all.

Considering we have been talking about Google/Apple Pay and then on to Online Banking why if your question was relating to investment and assets why didn't you specifically mention them. You challenge the way I am treating you but with every response I give you change the track o the subject and make it about something different

If you had a portfolio of investments and assets this would still not be tracked by your phone. You would need an online account which could be accessed via an app on your phone just as it could be access on a computer/laptop/table/iPad etc.

If your investments and assets were with FCA approved companies then they would still hold an account on their systems just like a bank would and yes this would be traceable without needing access to your phone.

For my IPTV service I need to pay by Crypto and I manage this on Coinbase which stores a view of all my transactions and my list of crypto assets. I can access Coinbase via an App on my phone, my laptop, my tablet etc and I can also call them as they hold an account for me (like a bank) which is the master of all the data I view in their app or on my online account on the web. Even with Crypto if I died an executor could find out I had a Coinbase account and Coinbase would be duty bound to provide all the details and give access to the assets or the funds.

To your last point and probably the bit that you don't understand (because you don't use this technology) your transactions are never stored on your phone. You can view them on your phone via an App. That App is linked to an official account of the company you are using and if you have an App it means you have an online account which means there is a footprint that a professional executor could trace and get access to all your brothers money, assets, transactions etc

This isn't being condescending but just to reiterate nothing is actually stored on your phone, your phone can just support an app that links to your online account which links to your physical account with the company who holds your money, assets and transactions

[claretonthecoast1882]

If I die, and my brother has to sort out my affairs, and all my transactions are on my mobile phone - how does he find out where my money is?

Seen as though you wouldn't need he I guess he could remove one of your fingers and take it to the lawyers

[dsr]

Even with Crypto if I died an executor could find out I had a Coinbase account and Coinbase would be duty bound to provide all the details and give access to the assets or the funds.

How could they find out you have a Coinbase account?

For the record, I know that the transactions are not stored on your phone, I know that the institution in question will give you all the details when asked, what I don't know is how the executor knows who to contact if there isn't a paper trail.

[Rileybobs]

How could they find out you have a Coinbase account?

For the record, I know that the transactions are not stored on your phone, I know that the institution in question will give you all the details when asked, what I don't know is how the executor knows who to contact if there isn't a paper trail.

I'm pretty sure a credit agency will hold records of all of your legitimate financial affaris.

[Walton]

It's common these days for people to keep a little black book containing their investments, bank accounts, useful pieces of information etc for access by their estate.

I assume writing things down on paper meets your criteria for being secure?

[dsr]

I'm pretty sure a credit agency will hold records of all of your legitimate financial affaris.

Thanks, that would solve it.

[Devils_Advocate]

How could they find out you have a Coinbase account?

For the record, I know that the transactions are not stored on your phone, I know that the institution in question will give you all the details when asked, what I don't know is how the executor knows who to contact if there isn't a paper trail.

Don't take this the wrong way as its not meant to be facetious but if you google how to track deceased persons investments/bank accounts/asstes etc there are lots of different tools for normal people to use never mind trained professionals. For professionals it will be a doddle.

[Fretters]

Bloody hell, I only started this thread to ask a quick question but now dsr has died and his brother is chopping off his finger

[Bosscat]

Bloody hell, I only started this thread to ask a quick question but now dsr has died and his brother is chopping off his finger

Classic UTC Fretters