When people come to me and say ‘I lost ….Rs.’ – they think that they have/ had a very unique case. Sorry there is too much of a pattern. Let me summarize (or let us call it a safe guard or a ‘do not do list):
1. Amazed to see people HANDOVER signed ‘Transfer Instruction Books’ – to their BROKERS. This is like committing suicide. If you keep your bank cheque book under lock and key (it may have a balance of Rs. 35000) how the HELL can you give away your TIFD to you broker with a portfolio worth Rs. 3.5 crores? beats me.
2. Giving the ATM card and password to a friend/ nephew/ etc. to withdraw money REGULARLY. God this is so damn stupid. AT least if you have an sms alert you know what has happened. One senior citizen’s nephew would with draw Rs. 5000 – from 2 atms and hand over ONE to him…Total loss Rs. 500,000 over a period of 4-5 years. Found out by using the bank cc camera.
3. Surprised that people do not change their ATM pin number for years at a time. Changing once in a while helps.
4. Do not store your pin number as a phone number in your cell phone. I found a girl who lost her purse (which of course had he cell AND her ATM card) and lost 22000 in 2-3 withdrawals.
5. Amazed to see people write down “PIN number: 5867” and keep it in the purse. God. Grow up.
6. I have been stunned by people asking me to help them with their ATM withdrawal. Well all ‘helpers’ may not be as lazy as me. Be careful. It is safest to ask the bank guard – IT AT ALL. At least you remember you had asked him – and if something goes wrong he can be traced.
Maybe there are more. I am sure, there are more, but right now these 6 were on the top of my mind….
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