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i have given this advise over and over again to those that ask me
if you want to use the internet for banking - you have TWO accounts
MAIN account
Working account
work out what your monthly outgoings are and add a little to that just in case
transfer that amount from your main account to the working account
top up your working account as required (at the end of the month or as required)
YOU WILL NEVER LOSE ANY MORE THAN IS IN YOUR WORKING ACCOUNT
and if fraud is proven - your bank will replace that amount anyway
geoff
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