1)Yes our bank does offer online services, which we principally use to transfer funds. It seems to have very good security, showing special preselected screens and of course, passwords. We do not use it for online payments, as we have automatic withdrawals. We do need to be careful about passwords - that we are not writing them down, and not using the same password for sensitive money matters as \ we do other reasons/sites.
2)I did take a look at the budgeting tools and they look fine, but we really feel we have done a good job ourselves. I have to admit I am reluctant to put personal info on yet another website, which brings us back to the security issue. And Rippleplay, are you kidding me? That seems like a really bizarre concept, but I guess it must work for some people!
3)I already do almost all of the savings tips from Consumer Reports , but am interested in checking out InsWeb for competetive insurance rates and might try out taking clothes out of the dryer while still damp (hmm, that might be issue as where to put them until they dry out completely without wrinkling.)
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