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Weatherman posted:We use contactless card payment for 99% of in-person transactions here. If I want to send money to friends, buy a car, pay a rental deposit or rent payment, pay the deposit on my house, or pay contractors for work done, we have free intra-bank transfers that clear within a couple of hours. (They're rolling out instant transfers next year, I think.) Banks don't even accept cheques anymore. Nz? Because that sounds like what we have here. I payed for my groceries today by swiping my phone on the machine and inputting a fingerprint. E: using first post of the page privilege to shittalk usa
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Feb 25, 2023 08:37
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I found out my girlfriend is in the very final stages of paying down a 5000$ debt to richmond public utilities. It stems from a period a few years ago when the water bill suddenly skyrocketed for no apparent reason for like 2-3 months. Did she a) talk to the landlord about the sudden bill increase b) talk to the utility company about the possiblity of a leak or c) move and pretend it didn't happen while slowly paying it down? Apparently her anxiety was just too much and she didn't realize she had options. I love her but this one was a bad with money headshaker.
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Feb 25, 2023 10:21
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Angrymog posted:I heard that US banks will honour pull requests against the account, whereas here (UK and presumably Europe too) unless you've authed a direct debit, your bank details can only be used to put money into your account? Splicer fucked around with this message at 10:40 on Feb 25, 2023 |
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Feb 25, 2023 10:37
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awkward_turtle posted:I found out my girlfriend is in the very final stages of paying down a 5000$ debt to richmond public utilities. It stems from a period a few years ago when the water bill suddenly skyrocketed for no apparent reason for like 2-3 months. Did she a) talk to the landlord about the sudden bill increase b) talk to the utility company about the possiblity of a leak or c) move and pretend it didn't happen while slowly paying it down? Apparently her anxiety was just too much and she didn't realize she had options. I love her but this one was a bad with money headshaker. Relationship tip: make sure to bring it up sporadically and hold it over her for years
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Feb 25, 2023 13:07
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Thesaurus posted:Relationship tip: make sure to bring it up sporadically and hold it over her for years Look at this guy, bragging about his blissful marriage.
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Feb 25, 2023 14:04
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Refunds from some UK companies and government agencies use cheques, presumably as a way to make it harder to use them. You can just take a photo on your bank app now, though mine gets confused with the photo of the back of the cheque because they're always blank.Angrymog posted:I heard that US banks will honour pull requests against the account, whereas here (UK and presumably Europe too) unless you've authed a direct debit, your bank details can only be used to put money into your account? It is possible to set up a direct debit using someone's account details (plus name and address) without their knowledge but they can just cancel it and claim fraud to get the first payment back. Noted idiot Jeremy Clarkson once put his bank details in a newspaper column with exactly the statement of "what are you going to do? Send me money?" And someone signed him up to donate to a donkey sanctuary or something. Which he then kept on paying for iirc.
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Feb 25, 2023 14:09
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Zelle sucks absolute dick and I can't wait for instant bank transfers to drop only so that my landlord will still ask for Zelle. Landlords are the last major holdout in the US where I can't tap my phone and buy it. Well, that and major purchases, but if I'm buying a home I'm fine with a couple additional steps in there.
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Feb 25, 2023 14:52
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How many people end up setting their landlord as a bill payee from their bank? They get a check every month and you don't have to worry about writing it.
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Feb 25, 2023 15:46
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Yeah I don’t think people realize that their bank’s “bill pay” service will print a check for a specified amount and mail it to a specified person on a schedule.
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Feb 25, 2023 16:04
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withak posted:Yeah I don’t think people realize that their bank’s “bill pay” service will print a check for a specified amount and mail it to a specified person on a schedule. I only learned that banks do that thanks to one of these threads.
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Feb 25, 2023 16:22
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Thesaurus posted:Relationship tip: make sure to bring it up sporadically and hold it over her for years What good is the trust and confidence of a partner if it can't be used to hurt them later? Just look at the /r/relationship thread for all the wonderfully toxic drama you can get out of digging into your partners insecurities. I don't plan to hold it over her but god, I just needed to tell someone. She's been asking me for help doing things like proper budgetting, setting up her first 401(k), and getting an actually useful credit card and I'm finding little stuff like this and a self reported anxiety around money. It's been an interesting insight into how people get into money trouble, since I've been relatively fortunate on large expenses, make good money, and live like a miser. Similarly, I've been binging Caleb Hammer videos on youtube, here's his most viewed. They're defintely just rubbernecking financial disaster and calebs not actually that good at advice but I find them compelling just on a pure schaudenfrued level. https://www.youtube.com/watch?v=87qL_bZnAMk Edited: Took out my original lovely commentary, which I waas rightfully dragged for. awkward_turtle fucked around with this message at 14:22 on Feb 26, 2023 |
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Feb 25, 2023 16:32
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withak posted:Yeah I don’t think people realize that their bank’s “bill pay” service will print a check for a specified amount and mail it to a specified person on a schedule. That's what I do, but only because my tiny credit union won't do scheduled automatic transfers any other way. Plus this removes the daily chaotic whims of the receiving party as a factor that can gently caress up the payment.
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Feb 25, 2023 17:37
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ranbo das posted:Zelle sucks absolute dick and I can't wait for instant bank transfers to drop only so that my landlord will still ask for Zelle. This is expressly why banks develop services like Zelle just before legally mandated instant transfer systems that they don't make money on are implemented. You won't ever read about it, though, since banks will never put on paper that they've developed a service that they can control themselves because they hate a govt managed system that won't give them their 0.3% (or whatever) of every transaction. And of course they can easily say "oh no, we did this voluntarily, before there was a bigger system, because we want to make things easier for our account holders." In Europe, national plaforms for instant transfers or online payments were developed by big banks in a lot of EU member states even though the banks already knew that a pan European instant transfer system was in the works. And the result is that people are now so used to their national systems that they reject and mistrust the pan European system that does the same. "Why does this web shop offer SEPA instant payments? Never heard of it. My bank uses Sofort/iDeal/MrCash and anything else sounds like a scam." And I don't blame them! Their bank has pushed this method as something that's easy and reliable, and that same bank has at the same time kept pushing the European Central Bank and the European Banking Authority to push back the implementation date of any possible pan-European instruments so they can get more entrenched in the mean time. Banking concentration is a lot worse in Europe than it is in the US, so the problem is even worse there. In most countries, over 85% of personal accounts are held with fewer than six different banks. This makes it super easy for the banks to collude (because that's what this is). That said, I think we'll see some big difference in how payment initiation will work over the next decade. People already reach for their phone rather than their card when they have to make a payment online. For now it's still often a virtual card that people use, but if transfers are instant in more and more cases, you can bypass the card and go straight from account to account through your bank app. And that may also spread to POS payments. I think the card networks actually messed up by allowing the phone to become the central device for payments. If users don't see and handle the card anymore, they don't know and don't care how the payment happens. Once everyone uses virtual cards on a phone, it's only a very small step to instead move to account to account instant payments, from a user perspective. On the other hand, visa and mastercard and to a lesser extent the others are more than powerful enough to lobby govts and banks to make stuff go their way. Or they can somehow invent a new middle man role for themselves. It'll be interesting to see how this shakes out over the next two decades and what we'll end up with. As long as it's not crypto
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Feb 25, 2023 17:48
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awkward_turtle posted:Similarly, I've been binging Caleb Hammer videos on youtube, like this one, where a girl who's definitely not a prostitute learns about budgetting 
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Feb 25, 2023 18:24
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awkward_turtle posted:I found out my girlfriend is in the very final stages of paying down a 5000$ debt to richmond public utilities. It stems from a period a few years ago when the water bill suddenly skyrocketed for no apparent reason for like 2-3 months. Did she a) talk to the landlord about the sudden bill increase b) talk to the utility company about the possiblity of a leak or c) move and pretend it didn't happen while slowly paying it down? Apparently her anxiety was just too much and she didn't realize she had options. I love her but this one was a bad with money headshaker. Oh, I had one of these: My girlfriend discovered a couple thousand dollars of fraudulent charges on one of her credit cards and proceeded to do absolutely nothing about it for like eight weeks. When she eventually mustered the will/focus to call the credit card company, she learned that when you wait that long they open an “investigation” instead of just giving you the money back, and the “investigation” entails calling the merchants up, asking “hey was this fraud?” and then closing the case with no further action when the merchants inevitably say “nope, totally legit, we definitely should keep that money we received.”
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Feb 25, 2023 18:36
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withak posted:Yeah I don’t think people realize that their bank’s “bill pay” service will print a check for a specified amount and mail it to a specified person on a schedule. If it ain't broke- don't fix it I guess melon cat fucked around with this message at 05:53 on Jan 10, 2024 |
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Feb 25, 2023 18:58
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awkward_turtle posted:I don't plan to hold it over her but god, I just needed to tell someone. Hey, lets try to stay away from talking about yourself (and your relationships) in this thread. Definitely welcome to make a new post if you want to bitch about it. Or even just in general discussion thread.
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Feb 25, 2023 19:17
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Anxiety is extremely bwm. Hmmm, I could answer this extremely straightforward email about an issue as soon as I get it or I can agonize on even opening it as my heart explodes at the possibility, while the time ticks by until it is too late. 
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Feb 25, 2023 19:22
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withak posted:Yeah I don’t think people realize that their bank’s “bill pay” service will print a check for a specified amount and mail it to a specified person on a schedule. Speaking from anecdotal experience, any check not handed to the landlord / property manager in person is as good as "lost" in the name of extra late fees. I trust the bank to mail it, but I don't trust the landlord to "receive" it.
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Feb 25, 2023 20:02
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Baddog posted:Hey, lets try to stay away from talking about yourself (and your relationships) in this thread. oh yeah after the last post i definitely wanna see a thread from this dude
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Feb 25, 2023 20:10
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awkward_turtle posted:Similarly, I've been binging Caleb Hammer videos on youtube, like this one, where a girl who's definitely not a prostitute learns about budgetting https://www.youtube.com/watch?v=87qL_bZnAMk I've never watched one of these dude's videos before, and he is extremely poo poo at giving advice. I'm sure all the haranguing makes his audience feel superior about themselves, but that is hardly the path to take if you are actually trying to get someone to follow the steps you are laying out in front of them. If you actually want to help someone then getting them to raise all their psychological defenses immediately before providing your plan is basically just self-sabotage. Also, his loving budget doesn't even hold up to scrutiny. Despite all the tax talk in the beginning he literally doesn't put aside any money for paying taxes from the $6500 budget he creates (for this self-employed person who just told you she grosses $6500 on average a month). Of course, he can't actually do that because his live-on-ramen-for-a-year plan doesn't add up if he actually included putting aside the ~$1700 a month she needs to do ASAP. Fucker tries to go all "hard truths"/"this is just the math" on this woman and then doesn't even get the math right. For gently caress's sake, I'm even on her side after finding out she's a loving bitcoin true believer. That video isn't financial education, it's giving an audience a chance to salivate at someone telling a pretty woman that she's stupid and needs to suffer. Anyone who is binging content like this needs to take some time and do some serious introspection. (Also, op,  is this "definitely not a prostitute" poo poo?)
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Feb 25, 2023 20:49
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withak posted:Yeah I don’t think people realize that their bank’s “bill pay” service will print a check for a specified amount and mail it to a specified person on a schedule. I still drop off rent checks myself since the cost of a box of checks every few years is trivial in exchange for one fewer spot for poo poo to go wrong, though.
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Feb 26, 2023 00:09
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melon cat posted:It is absolutely hilarious to me that the US financial system, which runs on $billions of batch transfers a day, with marble flooring and rich mahogany boardrooms and $towering skyscrapers rests on the backbone a bored, underpaid bank clerk re-writing e-bill payments as manual checks in a dusty filing room. Like discovering that the train ticket dispenser is operated by a Japanese man hiding behind a wall hatch. There isn't a person manually writing out each check. The info you put on the website gets sent to the check printing machine that prints it out in one of those perforated mailers. If there's a human involved they are walking the box of printed and presorted by zip code checks from the machine to the mail truck.
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Feb 26, 2023 00:17
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EricBauman posted:That said, I think we'll see some big difference in how payment initiation will work over the next decade. People already reach for their phone rather than their card when they have to make a payment online. For now it's still often a virtual card that people use, but if transfers are instant in more and more cases, you can bypass the card and go straight from account to account through your bank app. And that may also spread to POS payments. I think the card networks actually messed up by allowing the phone to become the central device for payments. If users don't see and handle the card anymore, they don't know and don't care how the payment happens. Once everyone uses virtual cards on a phone, it's only a very small step to instead move to account to account instant payments, from a user perspective. So your prediction is that we'll eventually get some sort of money transfer that will entirely bypass banking institutions of some sort? Then who's the guarantor in case of scams, fat-fingered transfers, etc.?
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Feb 26, 2023 01:28
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The fun thing about checks is how much process and infrastructure we’ve created to integrate this legacy piece of paper into computers, and it all ends up like, 1) Payer opens their app and uses bill pay to send a check. 2) Bank prints and mails a check. 3) Payee receives check, opens their app, and digitally deposits it. It’s like fax machines and hospitals.
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Feb 26, 2023 01:55
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PurpleXVI posted:So your prediction is that we'll eventually get some sort of money transfer that will entirely bypass banking institutions of some sort? Then who's the guarantor in case of scams, fat-fingered transfers, etc.? No, it won't bypass banks, but it'll bypass your creditcard, be it virtual or plastic. Money is just going to go from your back account into a business's account when you pay something. This cuts out the card network as a middle man, and the merchant's acquirer or payment processor is going to have to take on a different role instead of just "we're hooked up to visa, mc and amex and you simply have to go through us." The acquirer wil have to offer some other value add, probably on the user experience end. Stripe, for example, has been working very hard to get merchant's addicted to their software and dashboard so that it can keep offering that service regardless of how payments infra develops. As for scams and fraud etc, how that is going to shake out between the banks of the two parties (and possibly a payment processor) in a transaction is something that will remain to be seen
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Feb 26, 2023 02:25
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I don't see that happening as long as card networks are offering free credit plus additional incentives to use their cards, while banks are trying to reorder your transactions to stiff you with the maximum overdraft fees.
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Feb 26, 2023 02:32
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At least in the US where credit cards offer cash back and significantly better protection than debit, credit cards are here to stay. FedNow will replace the things you use other services for though (mostly splitting bills with people and rent).
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Feb 26, 2023 04:13
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LanceHunter posted:I've never watched one of these dude's videos before, and he is extremely poo poo at giving advice. I'm sure all the haranguing makes his audience feel superior about themselves, but that is hardly the path to take if you are actually trying to get someone to follow the steps you are laying out in front of them. If you actually want to help someone then getting them to raise all their psychological defenses immediately before providing your plan is basically just self-sabotage. He's a music graduate trying to break into the music industry that somehow managed to convince people to go on YouTube and show off their financial wreckage. He has no actual financial credentials of any sort so yeah these aren't serious advice videos at all. More like rubber necking at financial wrecks.
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Feb 26, 2023 05:30
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SlapActionJackson posted:That's a "your bank sucks" problem, not a "Zelle sucks" problem. To be fair though, Zelle does suck. My CU offers "external transfers" where you put in the routing number, account number, etc, and then just schedule the payments. The monthly limits are quite large. I don't know if there's a specific service they're using though.
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Feb 26, 2023 05:39
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My bank can pay by email address, it just emails the recipient and says hey put in your ACH details, we're totally legit! It works well but the process is exactly what you'd expect a scam email to look like and say.
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Feb 26, 2023 05:44
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EricBauman posted:In Europe, national plaforms for instant transfers or online payments were developed by big banks in a lot of EU member states even though the banks already knew that a pan European instant transfer system was in the works. And the result is that people are now so used to their national systems that they reject and mistrust the pan European system that does the same. Not in our neck of the woods. My bank has an option to send money directly via receiver's phone number if they have enabled the same service but most of my bank transfers go through SEPA. The most popular app instant-paying app here is Mobilepay and I think that it's still connected to a credit card and not directly to your account. Funnily though banks no longer own all the payment platforms -- Sofort belongs to Klarna and while Mobilepay was developed by Danske Bank, it's been spun off and combined with Finnish Pivo and Norwegian Vipps combining the technology but keeping the product names separate. quote:That said, I think we'll see some big difference in how payment initiation will work over the next decade. People already reach for their phone rather than their card when they have to make a payment online. There is one wrinkle in the SEPA payments when comparing online banking via browser and the app in your phone: I use banking app and transferring money to our household expense account (another bank) is instant. However my wife still does her banking through the web bank and her transfers go through the next banking day which is bad if she gets paid on friday and does the transfer after 16:30 -- then the money is on the household account monday night. According to our bank there should be no difference but I beg to differ.
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Feb 26, 2023 08:12
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EricBauman posted:No, it won't bypass banks, but it'll bypass your creditcard, be it virtual or plastic. Oh, I think some of the confusion here is that, at least here in Denmark, on my Dankort debit card(I think they're partnered with VISA, but are the ubiquitous payment card for any Dane that isn't some bougie rear end in a top hat or easy scam mark using a credit card), we don't actually have any "network fees" for the end user. They're entirely on the merchant, and are determined and capped by law, plus it's also illegal for the merchant to pass the network/processor fees on to the customer(though the transaction fee is still only about 7 US cents). Also maybe it's just me being a neanderthal, but I would absolutely feel like running all my payments through my phone would make me more vulnerable to hacks and fraud rather than a comparatively inert card that only interacts with my bank account when I physically expose it to another piece of technology. Plus then I'd have to upgrade from my 3310 which is just enough technology for me, thank you very much.
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Feb 26, 2023 12:04
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PurpleXVI posted:Oh, I think some of the confusion here is that, at least here in Denmark, on my Dankort debit card(I think they're partnered with VISA, but are the ubiquitous payment card for any Dane that isn't some bougie rear end in a top hat or easy scam mark using a credit card), we don't actually have any "network fees" for the end user. They're entirely on the merchant, and are determined and capped by law, plus it's also illegal for the merchant to pass the network/processor fees on to the customer(though the transaction fee is still only about 7 US cents). I don't think anywhere in the civilized world has fees for the end user anymore, outside mom and pop shops that may add a small percentage for amex since their acquirer charges them so much more for amex. Realistically, they just shouldn't accept amex if they can't absorb the cost for the small number of users. Even minimum purchase amounts are only still a thing in the smallest of shops where people would otherwise buy one single piece of chewing gum. I'm not intimately familiar with the Danish situation, but it looks like it's similar to many other similar countries: a nationally branded debit card system that started by the biggest banks being cobranded with V-Pay and later Visa (same split as Maestro -> Mastercard in much of the rest of Europe), that at least originally couldn't be used online on its own. Dankort fees being capped by law is exactly why Danish banks have an incentive to instead use a domestic account to account system for online payments. Depending on the law, which I don't know the specifics of, in many cases only card payments are covered, and only for domestic users. And even if you do use the card for authentication for online payments (putting it into a chip based authenticator device), it's still a payment from the person's account to the merchant's account. The EU wants to replace all of these national online payment systems with something pan European because it wants people to not have to open a local bank account if they more within Europe. A Greek person living in Netherlands should be able to keep using their Greek bank account for all of their daily purchases, the reasoning is, and that's not possible if the only checkout option offered is the domestic iDeal system. So instead of iDeal or any other national version, the European Commission wants banks to all work the same way so that Greek guy will see an option to use whatever European bank he wants by entering his IBAN (account number) and being forwarded to his own bank for authentication, instead of being asked to select his Dutch bank or get hosed otherwise. And the EU wants this to be cheap to merchants, just like they've capped card interchange dramatically for transactions from European card holders to European merchants (I think it was mainly acquiring banks that took the hit on this one). This European system is what all the big European banks have been pushing back on. But I'll stop making GBS threads up the thread. This isn't the European payments infrastructure thread, and I don't think having one of those is interesting enough anyway
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Feb 26, 2023 13:01
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MoxSquad posted:He's a music graduate trying to break into the music industry that somehow managed to convince people to go on YouTube and show off their financial wreckage. He has no actual financial credentials of any sort so yeah these aren't serious advice videos at all. More like rubber necking at financial wrecks. It's 100% rubbernecking. That video is just the most viewed from the channel, there's others where some poor girl is paying 1000/month to a buy here pay here lot or the guy who's maxed out all his credit cards on DJ equipment, hasn't had a paying gig, but insists on paying his non resident cousins portion of their lease out of some wierd idea of familial obligation/ respect for his grindset. I actually agree that Calebs advice usually isn't good, he's telling people with serious spending and cashflow problems to go on extreme austerity diets. Sell you car (in Austin which I hear is not a pedestrian friendly city), drive uber 20 hours a week on top of your job, literally never eat out is probably the most efficient advice but not advice that even most people with a strong desire to follow it could follow, and that doesn't describe an out of work 19 year old actor or 32 year old airport cashier with a porn addiction. Perhaps it can work for some people but it's definitely not an approach that actually takes the psycology of the interviewee into consideration. Unsurprisingly there are follow up videos and generally the subjects have only made small improvements if any at all. LanceHunter posted:(Also, op, I'm extremely incredulous that someone managed to manufacture a 6500/month 14hr/week job out of the Instagram Lifestyle Guru space while being kinda cagey about what that actually entails but I suppose it is technically possible. Some of the comments had floated the idea of that or Onlyfans which definitely does seem more likely and would help explain the need for a particular, expensive diet and inability to add hours. I'ma edit the original post though cause yall are right, even with context it's a lovely assumption about a stranger. awkward_turtle fucked around with this message at 14:23 on Feb 26, 2023 |
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Feb 26, 2023 14:17
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EricBauman posted:I don't think anywhere in the civilized world has fees for the end user anymore, outside mom and pop shops that may add a small percentage for amex since their acquirer charges them so much more for amex. Realistically, they just shouldn't accept amex if they can't absorb the cost for the small number of users. Even minimum purchase amounts are only still a thing in the smallest of shops where people would otherwise buy one single piece of chewing gum. Small restaurants in NYC tend to have minimum purchase amounts around $15 or $20. I assume it’s specifically to encourage people to pay cash for the lunch special because the owner hates seeing so much of their margin going to fees. But there’s a place I like where it means I can’t order online at all unless I’m hungry enough to also add an appetizer.
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Feb 26, 2023 16:10
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awkward_turtle posted:It's 100% rubbernecking. That video is just the most viewed from the channel, there's others where some poor girl is paying 1000/month to a buy here pay here lot or the guy who's maxed out all his credit cards on DJ equipment, hasn't had a paying gig, but insists on paying his non resident cousins portion of their lease out of some wierd idea of familial obligation/ respect for his grindset. I actually agree that Calebs advice usually isn't good, he's telling people with serious spending and cashflow problems to go on extreme austerity diets. Sell you car (in Austin which I hear is not a pedestrian friendly city), drive uber 20 hours a week on top of your job, literally never eat out is probably the most efficient advice but not advice that even most people with a strong desire to follow it could follow, and that doesn't describe an out of work 19 year old actor or 32 year old airport cashier with a porn addiction. Perhaps it can work for some people but it's definitely not an approach that actually takes the psycology of the interviewee into consideration. Unsurprisingly there are follow up videos and generally the subjects have only made small improvements if any at all. People can and do make good money off of influencer lifestyle poo poo. It’s just a small number compared to the total number of influencers. Also like dude who cares if she is doing sex work, those people need budgets too. Edit: the YouTube guy is both stupider and shittier than any of the people on his videos so thanks so much for sharing him.
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Feb 26, 2023 16:21
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KYOON GRIFFEY JR posted:People can and do make good money off of influencer lifestyle poo poo. It’s just a small number compared to the total number of influencers. Yeah, there are very few people who pull off that kind of spiritual guru/life coach career, but they are definitely out there. You basically sit at the beck-and-call of ridiculously rich clients and whenever they feel anxious or have temporarily let the ennui of their pointless existence get to them, you hop to it and charge a few hundred dollars for a session to tell them their aura needs a moon in Libra or some poo poo. They feel better, you have relieved them of some of their excess money, everybody's happy. Also, if she was an OF model or something there would be the monthly direct deposit of income from OF. (And there's no way that rear end in a top hat wouldn't have made an enormous deal out of that.)
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Feb 26, 2023 17:31
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KYOON GRIFFEY JR posted:People can and do make good money off of influencer lifestyle poo poo. It’s just a small number compared to the total number of influencers. Yah I'm not sure how he manages to keep convincing people to bare their financials on his videos. Not to gatekeep personal finance, but given his utter lack of credentials or financial accomplishments (e.g. early retirement or wealth accumulation) and general dogshit advice. You have to wonder what goes through the minds of people that let him "financially audit" them. MoxSquad fucked around with this message at 17:58 on Feb 26, 2023 |
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Feb 26, 2023 17:54
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They're going to be "famous".
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