s rich heritage at annual Ladies' Day Out
Hy
Leader for the quiz and was Kay Taylor, Alrville farm wife representative. Karen Shue was
discussion on the history of York and Penn Best commodities chairman of the ladies day out.
During their ladies day out, York women toured the Gates House, right, and Plough
Tavern. The tavern is one of few existing structures in America of rare German medieval
half-timber construction.
Electronic banking
COLLEGE PARK, Md. -
Electronic banking is not only
convenient for consumers. It’s also
convenient for crooks.
Consider the findings of a major
report on electronic banking
released recently by the Depart
ment of Justice. According to the
report, “the potential for crime
within the burgeoning (electronic
David Roth, Lo%snlle, Pennwltaniu
herd average is 19,476 lbs. “I tried
to increase milk production with
another feed 7 he says, “but it didn’t
work so I went back to Purina.
It’s a lot better feed I’
Richard Muller, Washington,
Illinois, who also feeds Purina
High Octane brand 36% con
centrate, reports a DHI rolling
herd average of 19,962 lbs. “My
father started feeding Purina Cow
Chow about 1925 and the herd
Gates House and Plough Tavern
of theft and fraud
banking) industry is vast.”
Among the ample opportunities
for crime cited in the in
vestigation:
• Pirating of personal iden
tification numbers (PINs) that
activate electronic accounts;
• Computer theft by bank em
ployees;
• Customer fraud; and
has been fed Purina since” Muller
says. “We have always been satis
fied with the results and felt that
Purina has done more research
than other companies”
Another third generation dairy
man is Arnold Oechsner, Jr. of
Brownsville, Wisconsin. He feeds
his 115 head herd both Purina
High Octane brand 36% concen
trate and Purina Milk Generator®
brand 1056 complete ration.
Oechsner, who has a DHI rolling
increases
• Physical assaults at poorly
guarded automated teller
machines (ATMs).
Despite much probing, however,
the exact size of the losses
associated with electronic banking
remains one of the industry’s best
kept secrets.
“Even if a bank catches a thief,
it probably will not prosecute,”
chances
Arnold Oechwtr, jr , Broumullt , WWomin
herd average of 20,309 lbs., says
he has fed Purina milking ration
for more than five years because it
“has given me the most milk pro
duction per cow pier year!’
•Recognition ofcdairvmen who h i\e fed Purirn milking
ntions for over 12 months and wh >se DHI rolling herd
averages ire in the top S% in their state for their breed
® Ralston Purina Co 1984 Iss—^sJ
Lancaster Farming, Saturday, May 26,1984—621
Sollenfenster in Plough Tavern
An interesting feature of the Plough Tavern is a “sollen
fenster” in one outside wall. The square opening allowed the
spirit of any person who died within the structure's confines
to escape.
says Patricia Tengel, a family
financial specialist with The
University of Maryland
Cooperative Extension Service.
With $240 billion handled elec
tronically last year, adds Tengel,
“the fear of undermining customer
confidence is very strong.”
Not surprisingly, many con
sumers don’t realize how
vulnerable their accounts can be
when they bank with machines
And that naivete, coupled with
careless handling of ATM cards,
receipts and PINs, makes con
sumers easy prey for criminals.
Says Tengel; “Many losses could
be prevented if consumers were
alerted to some of the weaknesses
in electronic banking systems and
took the necessary precautions.”
To reduce your chances of being
stung, Tengel recommends the
following safeguards:
• Never make deposits through
an ATM. If a computer malfunc
tions and erases your deposit, you
may be out of the money, even with
a printed receipt.
• Keep track of your ATM card
as if it were cash.
• If your ATM card is lost or
stolen, take immediate action.
Federal law limites your loss to
$5O, if you notify your bank within
two business days after
discovering the card is missing. If
you miss the two-day deadline,
your loss can climb to $5OO.
• Always check your monthly
bank statements for unauthorized
transactions. If you don’t report
unauthorized transactins within 60
days of the mailing date on your
bank statement, your bank is not
obligated to return the missing
money.
• Do not throw ATM receipts into
public wastepaper baskets.
• Never hesitate to ask a
bystander to move away if he or
she pushes too close while you are
using an ATM.
• Never write your PIN on your
ATM card. Never keep a copy of
your PIN in your wallet or purse.
And never give your PIN number
to a stranger, no matter how
legitimate his or her request ap
oears.
• Tell your bank to check the
law, if it refuses to cover a major
loss because you were negligent
with your PIN or ATM card.
Legally, your loss is still limited to
$5O, if you meet the proper
reporting deadlines. Moreover, if
the bank illegally refuses to cover
your losses, it may owe you triple