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That way, if someone does get your checking information, they'll only be able to take a small amount of your bankroll, budget, and savings. An echeck is an electronic check, the Internet equivalent of the checks you would write at the grocery store or the convenience store.

This payment method is tied to your checking account through a routing number, so these funds come right out of your bank account.

You'll need to provide verification to used this deposit method. Many electronic payment services or web wallets offer the echeck as a service.

So PayPal casinos or Neteller or Moneybookers might service your echeck. According to Investopedia, the electronic check provides for greater security than the standard checks you write from your checkbook, because it has more security features attached to it and requires fewer steps to process so fewer people see your information.

The security features Investopedia mentions inlcude authentication, encryption, digital signatures, and public key cryptography. The electronic check is governed by the same laws as standard paper checks issued by banks.

Any transaction a paper check is good for, the echeck is also going to be legitimate to use. Treasury Department itself using echeck's when paying its debts online and these make up the bulk of the Department of Treasury's online bill paying.

This can also refer to the old-fashioned written and signed check, so this can cause confusion at times. One advantage a credit card has over an e-check is the ability to dispute unknown charges.

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If you use an electronic check, security and oversight is going to be left to whichever bank you have an account with. Not only might this bank not have the resources or latest security software or technology used by Visa or Mastercard, but if a payment has already come out of your account and is resting in some other person's account, it's going to be a whole lot harder to retrieve.

For that reason, it's still preferable to use a credit card payment to an electronic check, in most cases. That's why Visa or Mastercard continues to be used more often than echecks.

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So Newton passed by with minimal effects to Sonrisa — electricity was out for a few hours with some 50 knots being recorded in the marina.

A normal thunderstorm shuts down La Paz due to the poor drainage so it was a couple of days until the boys returned to school.

Plenty of trees down but otherwise La Paz came off lightly. It really is incredible that it was 10 years ago he crossed the Atlantic as a toddler, one really needs to enjoy these times, gone far too soon.

We now have a week in Puerto Vallarta sin ninos for our 14 th wedding anniversary, another milestone I find hard to appreciate, again seems like last week Mel and I were working on Wild B in Italy.

Just before we head to Tasmania in November our dear friends from Seattle Rennie and Denny are coming to stay on Sonrisa — a great opportunity for us to repay their incredible hospitality.

Tasmania will be an interesting time as we sort out our lives, Mexican permanent residency and whether to sell the farm in Tasmania.

Vancouver really is one of the most picturesque cities around, with all the bicycling and walking paths we never had to resort to a car.

The Canadian dollar being on par with the ozzie dollar made life that much more bearable and enjoyable.

So a big thanks to Gary and Jeanine for allowing us to stay for several days — a fantastic location. Finally a night in Denver at the Crawford hotel and a sumptuous meal with our ever generous host Chad McWinney — the meal at Stoic and Genuine, as last time, unforgettable — thanks Chad!!

Back in La Paz, with a pretty warm September — as I am writing this Hurricane Newton is some 24 hours away so the decks on Sonrisa looking very clean.

Hopefully the 20 odd lines holding Sonrisa tight will be enough. We managed to get out to Espiritu Santo Island most weekends for cooler times and the busy school days.

A few days to prepare Sonrisa for cyclone season — a very bare yacht with all sails, halyards, covers off. We found a good home for Peluchie our family cat for the last 18 months, with 2 months away now and then the 5 month trip to Tasmania in November it was just too complicated to keep him on Sonrisa — a very sad day when he left.

Our first stop in Seattle was to Denny and Rennies, our cruising friends from Columbia several years ago — such a warm welcome.

His first unaccompanied flight, we were so proud of him as he set off. An interesting time for Huon also as this was the first instance when they have been separated — in the end the parents stressing more than the boys!

As we did last year, a magic several days down at Stretch Island in Southern Puget Sound, July 4 th fireworks, kayaking, crabbing etc with Huon happily being a shadow to 3 older boys — now one of a pack taking on all the fashions and actions of the older boys.

Plenty of activities in Seattle over the next 6 weeks along with a pleasant offer to stay in their house in Vancouver from other cruising friends we met in Costa Rica in , Gary and Jeanine from High 5 — they are taking their yacht down to La Paz, and Costa Baja Marina over the summer.

Just the odd other yacht floating around. Two weeks just getting back into the cruising mode as we are now tied to the marina most of the time.

The highlight was the diving with seals at Isla Los Islotes, where the seals where very happy to perform for the camera with an apple as a toy.

A really wonderful trip with excellent weather. Last weekend we visited La Duna for an evening with several of our local Mexican families.

This rustic and very environmentally friendly resort provides a magic location just to chill and chat for the children and adults that went very late into the evening.

February was rather quite, school runs, Mel studying all rather domestic. I popped down to Barra Navidad, south of Puerto Vallarta to bring Princess 1 back to La Paz, as expected on the nose most of the way so, double the time taken to get down there, some 3 days for some miles much of the time at around 7 knots.

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