vania-janet/multiturn-rag-retrieval-data huggingface dataset:
"I always used Uber until one day they just stopped accepting any payment method I added! No matter what I used, credit cards, debit cards, Paypal, it always claimed that it was an invalid payment method. I worked with Uber support for weeks to resolve this, including being given access to their super-secret web-based option that requires them to explicitly enable for you. THAT worked exactly one time, then I was right back where I was.  I created a Lyft account out of desperation, and it worked every time with the same payment methods that Uber had issues with. So, I used Lyft exclusively for awhile.  The only difference I noticed was that Uber drivers, at least for awhile, seemed to be professionals in other industries who drive for fun or just extra cash. I would ride with someone who's day job was providing IT consulting for area casinos, and it was always a really fascinating conversation! Conversations with Lyft drivers tended to center around how they had just done a title loan against the REALLY old car I was driving in, because he lost everything in the divorce and couldn't get back on his feet…  Eventually, I found that my issue with Uber was a ""family"" profile I had created and forgotten about that included debit card information that had expired, and once I deleted the profile, things worked again. (NEVER got any feedback from their support department when I shared this with them)  So now I tend to favor Lyft just because of the issues with Uber's corporate culture. I was in a LOT of start-ups during Silicon Valley's heyday, and even though I encountered some levels of misogyny, anything even remotely close to the stories I've heard out of Uber would have caused an uproar!"
It is a good idea to keep the receipts. The reason being that the dispensation from the ATM and the debit to the account are async process. There are multiple handshakes during this process between the hardware of the ATM, the software controlling the ATM and the core banking software. like any software programming, there are chances of errors, ie amounts being debit wrong due to bugs, or duplicate of transactions being posted. Altough such errors would normally get caught during recon between the ATM software and the Core Banking postings, its advisable to keep the receipts and verify erroneous debits. In such cases, the receipts would provide additional information required by the Bank to rectify the errors promptly.
1 Primary acct. Receive and distribute money to all other accts. For security do not permit debit cards to touch or payment pull from this account.  All joint bills paid here. Attach a savings acct and credit card to this account for accruing taxes vacation money blah blah. This will facilitate managing instead of storing your funds. 2 Push distributions to one or two other individual accounts on whatever basis works. Cash groceries incidentals. Debit cards here.
"Most of our cards (except for debit ones) still have raised numbers, because you can't stop business for silly things like power outages! You just haul out the old-school ""kachunk"" machines and take the cards that way.  Who cares about security? That gets in the way of profit."
I would say it depends on what your long term plans and goals are.  If you are trying to get rid of credit cards and never use them again, then I would say to keep $1000 as an emergency fund, pay the cards off and then save to build your emergency fund up to 3-6 months expenses.  However, if you are just going to run the balances back up, I would save save 3-6 months expenses out of the money you just received and pay down the higher interest cards with what is left over.
On Credit Cards [I am assuming you have a Visa or Master card], the RBI does not decide the rate. The rate is decided by Visa or Master. The standard Sheet rate for the day is used. Additionally SBI would mark it up by few paise [FX mark-up spread]. This is shown as mark-up fee. The rate of USD Vs INR changes frequently. On large value [say 1 million] trades even a paise off makes a huge difference and hence the rate is constantly changing [going up or down]. The rates offered to individuals are constant through out the day. They change from day to day and can go up for down. Recently in the past 6 months if you read the papers, Rupee has been going down and is at historic low. On a give day there are 2 rates; - Bank Buy Rate, ie the rate at which Bank will BUY USD from you. Say 61. So it will buy 100 USD and give you Rupees 6100. - Bank Sell rate, ie the rate at which Bank will SELL USD to you. Say 62. So if you want 100 USD, you need to give Bank 6200. The difference between this is the profit to bank.
Switch to cash for a few months. No debit. No credit. This will help for two reasons: Once you've broken the bad habits, you should be able to go back to cards for the convenience factor.
When debit cards were first made available one of the advertised strengths was that if you never wrote a check,and always used a debit card, you could never be overdrawn. They money would be instantly withdrawn from the account and the balance would always reflect perfectly the amount of money in the account. Of course some saw the loss of float as a weakness, but for others this instantaneous aspect was what they needed.  If only that were true. I have seen debit card transactions take a couple of days to appear. I have seen a $1 hold for gas not be removed and the real amount withdrawn for 2 or 3 days. Horror stories about having a $3 coffee end up costing $30 because of overdraft fees can only occur if the transactions aren't instant.  The contactless feature doesn't make the time delay any shorter. The delay for an individual transaction, assuming there are no unusual network problems, still depend on the vendor policies, the card network policies, and the bank policies. But from the viewpoint of the cashier the transaction has been completes and the customer can leave with their coffee. From the viewpoint of the bank account it may still be waiting,
I treat the concept of emergency funds as a series of financial buffers. One layer is that I have various credit cards with a small positive balance, that I can max out in an emergency should I go broke and not be in employment (those have saved me once or twice) My final level of emergency funds, is kept at home in the form of cash, I've never needed it, but it protects against getting locked out of the financial system (I lose my debit cards, banking system freezes all withdrawals, zombie invasion). It also doubles as my destitution fund, as if all else fails I still have raw cash to buy food and thus I won't starve (at least for a few months).
I am the vendor and I pay the 2 to 3%, not the customer. And I will pay it with a smile on my face. It's either that or deal with cash or other payment methods that are a) difficult/expensive or b) not possible because I am an online merchant.  I would *like* the fees to be lower but right now pretty much every other method is either difficult, expensive or both. They know what they are doing.  EDIT: Merchants like debit cards. They have the cheapest interchange rate. Reward cards are the most expensive - where do you think your 1% cash back comes from? :)
"FYI, just found this (https://www.paypal.com/webapps/mpp/ua/useragreement-full#8) ""8.9 Currency Conversion Currency Conversion 2.5% added to the exchange rate The Currency Conversion spread applies whenever a currency conversion is required to complete your transaction. The exchange rate is determined by a financial institution and is adjusted regularly based on market conditions. Adjustments may be applied immediately and without notice to you. When your payment is funded by a debit or credit card and requires a currency conversion, you consent to and authorize PayPal to convert the currency in place of your debit or credit card issuer. You have the right to have your card issuer perform the currency conversion and can choose this option during checkout on your transaction review page before you complete the transaction."" 2.5%!! Can this be true?"
However, unlike for contact transactions, not all the transaction processing occurs before the card exchanges have been completed. This is to optimise the contactless transaction performance by reducing the amount of time the card is required to remain in the RF field. (my emphasis) According to VISA UK Our technology uses the chip on your card to generate unique cryptograms (that’s techie speak for a type of puzzle that consists of a short piece of encrypted or encoded text) and digital signatures to protect your payments. Digital signatures are like handwritten signatures in some ways – but they are much more difficult to forge. (my emphasis) According to the UK Card Association Rumour: A fraudster can steal my details from my contactless card. Fact: You have to be extremely close to someone for their gadget to be able to read your card - and even then all they would ever get is the card number and expiry date. That’s the same information you see by simply looking at the front of any card.There’s no way anyone can get the security code on the back of the card, your name and address, or bank account details. The vast majority of online retailers require additional details like these and others to make a purchase. However, according to a Guardian newspaper report of 2015-07-25: Researchers bought cheap, widely available card scanners from a mainstream website to see if they could “steal” key details from a contactless card. They tested 10 different credit and debit cards, that were meant to be coded to “mask” personal data, and were able to read crucial data that was meant to be hidden. It then went shopping with the information it had obtained and was able to successfully place orders for items including a £3,000 television set. So yes, even in the civilized world, our security is undermined by a combination of: How does Apple Pay work? See Apple Pay Must Be Using the Mag-Stripe Mode of the EMV Contactless Specifications Clearly, Apple Pay must following the EMV contactless specifications of books C-2, C-3 and C-4 for MasterCard, Visa and American Express transactions respectively. More specifically, it must be following what I called above the “mobile phone profile” of the contactless specifications.
How often do you need to actually go to a bank?  atm's, debit and credit cards work where ever.  you can even deposit checks by taking a picture of them.  dealing with cash would be more troublesome though.
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If you are confused by how to choose a blogging platform, Silvrback can help you find the right one. With so many options to choose from it is natural to be a little confused.  With the right guidelines and criteria you can easily choose the right platform from a plethora of options.
There are different ways of credit card purchase authorizations. if some choose less secure method it's their problem. Merchants are charged back if a stolen card is used.
"There are entire books devoted to this topic... :) I'd suggest focusing on a % of income that you can set aside for each child and start doing that instead of looking at a specific dollar target. I would look at a 529 plan to get the state tax benefit for growth. Also, be careful to counter the ""advice"" given by admissions folks, who encourage high school kids to ""choose the college that will make you happy"" and expose them to as many pictures of lovely, leafy private campuses as possible. The lawns at the private school are nice, but state colleges offer a great education at a relative bargain. Try to teach your kids about money so they understand the downsides of the loans that schools throw at you. I went to a state school, had very supportive parents and worked throughout. I came out with $750 of debt (on a 0% credit card for a laptop replacement). I have a friend who went to a similar, private school who came from a similar background and who is now in a similar place career-wise. Except he has a $500/mo monthly tribute to Sallie Mae. My parents started working on me when I was about 12, and it worked!"
So, what's the point of a charge-back, if they simply take the word of the merchant? tl;dr: They don't. As both a merchant and a consumer I have been on both ends of credit card chargebacks, and have received what I consider to be mostly fair outcomes in all cases. Here are some examples: Takeaways from this: I strongly urge all consumers who are considering doing a chargeback to try to work with the merchant first, and use the CC dispute as a last resort. In general, you can think of the credit card dispute department like a judge. They hear the arguments presented by both sides, and consider them to the best of their ability. They don't always get it right, but they make their best attempt given the limited information they are provided.
If you are regularly taking payments of $10,000 I'm very surprised you aren't already set up to accept credit card payments. If you are going to be doing this much in the future it would be a good thing to investigate. Some other options might be:
"So many interesting points you raise ...   I only have a minute, so:  &gt; the more technology that is created, the less privacy we have, the dumber we become and the more jobs we lose to automation  I agree wholeheartedly with your first two points... as far as the loss of jobs to automation, I'm not convinced that's a bad thing.   Who exactly is happy spending 40 hours each week standing on a factory line or stocking shelves? I don't think that's a life anyone would choose if better options were available.   Of course, that raises the thorny issue of ""better options being available."" :)   I think that the loss of jobs to automation will raise complex issues that are not nearly as black and white - or *predictable* - as many seem to think they are.   p.s.  You're delightful to chat with!"
Yes, there are a bunch. I have used Paypal and it worked quite nicely. I see endless ads these days for Square, a tiny card reader that you plug into a smartphone that lets you swipe the card. (With Paypal you have to type in the credit card number.)
Unless you spend a lot of money on the TD Gold Elite Visa, and are interested in the Deluxe TD Auto Club, the $99 annual fee is probably not worth it. Instead, the Citi Enrich MasterCard provides the same 1% cash back on all purchases without an annual fee. There's also an unadvertised Platinum version of the card, which includes other perks like car rental insurance, etc. From what I calculated a while back, The PC Financial MasterCard PC Points system works out to a 1% return as well. Unless there are extra deals like 5x point sales that I'm not aware of, cold hard cash would be a better option. Also check out the RFD Credit Card Head to Head article for way more options.
The 'store card' that Amazon offers gives 5% back on Amazon purchases. Some time ago, when I realized how much of my spending was going through Amazon, I chose that card over this one.  If you want the card, that's fine, but if you are going to play the reward game, there are far higher bonuses available for card signups. No, it's not a scam. Many stores will offer a discount at the register the day you sign up for there card. In general, the store cards should also give a discount when used at that store, or airline for that matter.
I have a sophisticated theory as to why diners are dying: diners aren't very good and aren't very cheap. There is zero reason to choose a diner over numerous other fast-casual options like Dos Toros, Sweetgreen, Glaze, Cava, or a thousand others, which are cheaper, faster, tastier, and (if you skip the bread-like products) better for you.
Envudu (envudu.com) looks very promising, and I think what they are planning to put out will do essentially everything you want. It's a single prepaid card, but with a connected app. On the app you choose which budget category you're going to spend on next, and then swipe your card. Your purchase gets deducted from that category. There aren't a ton of details yet on their website (e.g., what happens if you try to swipe on a category that doesn't have the funds available?) and there is going to be a $20/year fee, but I think it meets all of your criteria, even though it's a single card--you'll just need to use a smartphone with it.
"I don't know personally, but a few minutes spent on Google seem to indicate that such transactions are considered cash advances. I found a thread at fatwallet which states that buying chips on a credit card is considered a cash advance. If you want to research it yourself, I used the following search terms: casino chips credit card cash advance.  You could probably narrow down the search results by using casino chips ""credit card"" ""cash advance"" as the query."
Sure - I honestly don't mind membership sites, and there are a bunch of sites that I do maintain active memberships to like the New Yorker, it's all about quality. I just have to keep an eye on my subscription credit card so I can make sure I'm not getting billed for a service that I've long since forgotten about.
Not sure if serious or not, but i'll bite. First of all the service you are purchasing is the access to credit card, which runs on a network supplied by financial institutions. Secondly credit card is an optional fee, taxes are mandatory (unless you are a crook).
&gt; Verify the signature against what?  How old are you I wonder? I am guessing that you're so young you don't know how it used to be done.  Every credit card has a space on the back for a signature. And for decades, retailers would check the signature on your ID if the signature on your card is not valid (blank, or says 'SEE I.D.').  This worked for a long time, until retailers started hiring incompetent children who were too lazy to do their jobs properly. I once worked for a retailer who would fire you if they caught you not verifying signatures.
"&gt; Even if I did simply want to stop being American and live in Somalia I still have to pay taxes.  No, actually you don't. Step 1. Move to Somalia. Step 2. Revoke your American citizenship. Step 3. Pay your final tax receipt. Step 4. Try to live the best that you can in Somalia...  &gt; If it was totally free to leave you'd have a point - that I'm opting in to being here after the fact by not leaving. But that's just not the case. There is a real cost to leaving and renouncing citizenship and thus there is an aspect of being under duress to this ""agreement"" you claim we make.  This sounds a lot like the ""I didn't choose to be born"" argument. How old are you?    None of us get to choose where we are born, and what system we are born into. However, there are costs associated with it that we inherit regardless. The choice that we have is to leave - and yes, there is a cost to that too. I am sure people who are born into third world nations would cry so many tears about how unfair the world is for you..."
I read this story last night and it made me laugh. I don't drink their beer. The best beer is locally produced by small private breweries who have no intention of going public. They aren't going anywhere. In fact, they are growing bigger. A lot of people love bland beer. If you like flavor, turn to a local brewpub! Given the choice of Budweiser and American made Spaten, I choose red wine! I would rather drink a bad red wine then a bad beer.
I would like to post a followup after almost a quarter. littleadv's advice was very good, and in retrospect exactly what I should have done to begin with. Qualifying for a secured credit card is no issue for people with blank credit history, or perhaps for anyone without any negative entries in their credit history. Perhaps, cash secured loans are only useful for those who really have so bad a credit history that they do not qualify for any other secured credit, but I am not sure. Right now, I have four cash secured credit cards and planning to maintain a 20% utilization ratio across all of them. Perhaps I should update this answer in 1.5 years!
"A bona-fide company never needs your credit card details, certainly not your 3-digit-on-back-of-card #, to issue a refund.  On an older charge, they might have to work with their merchant provider.  But they should be able to do it within the credit card handling system, and in fact are required to.  Asking for details via email doesn't pass the ""sniff test"" either.  To get a credit card merchant account, a company needs to go through a security assessment process called PCI-DSS. Security gets drummed into you pretty good.  Of course they could be using one of the dumbed-down services like Square, but those services make refunds ridiculously easy.   How did you come to be corresponding on this email address?  Did they initially contact you?  Did you find it on a third party website?  Some of those are fraudulent and many others, like Yelp, it's very easy to insert false contact information for a business. Consumer forums, even moreso.  You might take another swing at finding a proper contact for the company.  Stop asking for a cheque.  That also circumvents the credit card system.  And obviously a scammer won't send a check... at least not one you'd want!  If all else fails: call your bank and tell them you want to do a chargeback on that transaction.  This is where the bank intervenes to reverse the charge.  It's rather straightforward (especially if the merchant has agreed in principle to a refund) but requires some paperwork or e-paperwork.   Don't chargeback lightly.  Don't use it casually or out of laziness or unwillingness to speak with the merchant, e.g. to cancel an order.  The bank charges the merchant a $20 or larger investigation fee, separate from the refund.  Each chargeback is also a ""strike""; too many ""strikes"" and the merchant is barred from taking credit cards. It's serious business.   As a merchant, I would never send a cheque to an angry customer.  Because if I did, they'd cash the cheque and still do a chargeback, so then I'd be out the money twice, plus the investigation fee to boot."
Banks in certain countries are offering such facility. However I am not aware of any Bank in Hungary offering this. So apart from maintaining a higher amount in HUF, there by reducing the costs [and taking the volatility risks]; there aren't many options.
There is some magic involved in that calculation, because what health insurance is worth to you is not necessarily the same it is worth for the employer. Two examples that illustrate the extreme ends of the spectrum: let's say you or a family member have a chronic or a serious illness, especially if it is a preexisting condition - for instance, cancer. In that case, health insurance can be worth literally millions of dollars to you. Even if you are a diabetic, the value of health insurance can be substantial. Sometimes, it could even make financial sense in that case to accept a very low-paying job. On the other extreme of the scale, if you are very young and healthy, many people decide to forego insurance. In that case, the value of health insurance can be as little as the penalty (usually, 2% of your taxable income, I believe).
You can't be serious? You're seriously coming in here to discuss how a third world country is generally less well off than a member of the EU and a first world country and you're going to quote the HDI. In other news the sky is blue, water is wet, the snosberries taste like snosberries and you're wasting my time and yours. I'm going to disengage now. In fact... I think you're just flame baiting by jacking the top comment on this thread so i'm going to delete this very shortly.