I’m bumping this to avoid starting a whole new thread. 🙂
I am trying to wrap my head around the exact math—specifically how interest is calculated using the comfort method on a monthly basis versus a daily basis.
For instance—let’s say I have $1,000 in an account, the interest rate is 10%, and the term is one month (I'll use nice, round numbers with a 1 just to keep things simple!). What would the total interest be at the end of that period?
$50k isn't much compared to a 5-pound bag of high-grade kush 🙂—and besides, dogs haven't been trained to sniff out cash yet. What’s one little stack of bills? Just slip it into an inside jacket pocket; they aren't going to frisk you anyway.
Whatever you do, don't mention PayPal to the folks over at Bank of America. Their software will practically short-circuit instantly—it'll be like watching smoke pour out of their ears while they start blathering about things they clearly don't understand! 😁Just tell them you want to open a foreign currency account (one that comes with a red Visa Electron featuring a chip—you know, the one with those little planet designs drawn on it) and boom—problem solved.
I personally print out every single confirmation and toss them straight into my "archive." It doesn't take up much space at all—plus, it can save you a massive amount of stress down the road! 😉
Great—it doesn't cost me a dime! The funds were transferred instantly, so if the sender actually wants to go through with this despite the fee, well, that’s their headache to deal with. 😁
I figured I’d jump in here with a question—I couldn't find a more sensible thread, and I'm sure there are a few experts in here who actually get this stuff. 😁 (I'll write this in the first person even though it isn't about me personally, just to make the discussion flow better 😉)
"I went to the eye clinic for an exam because my last checkup was three years ago, and the results read:
OD c -0.25 DSP = -1.0 Dcyl axis 180 degrees = 1.0 OS c -0.25 DSP = -1.25 Dcyl axis 20 degrees = 1.0
Fast forward a week—I stopped by a local Visionworks to order some glasses, and since they offer free exams if you buy lenses from them, I decided to go for it. It was free, it couldn't hurt, and I assumed the results wouldn't differ much. However, the optometrist there gave me these numbers instead:
OD c -0.5 DSP = -1.25 Dcyl axis 165 degrees = 1.0 OS c -0.3 DSP = -1.75 Dcyl axis 15 degrees = 0.9
What I need to know—and please, treat me like a total novice here—is what all these digits actually signify? How much do these two sets of results truly differ, especially considering I wear glasses full-time and the gap between these two appointments was only six days?
Also, I'm curious about the relationship between Dcyl and DSP—basically, what is my actual prescription? How do you convert those into one single value?
Furthermore, can these axes shift over time? Three years ago, my axes were 180 and 20 degrees (which are the glasses I've been wearing), but now this new doctor says they've jumped to 165 and 15. The doctor wasn't helpful at all when I showed her the previous findings. 😢 She basically shut down the conversation immediately."
@George Barrett35 Well, my apologies then—it seems I was given some rather misleading information!
@brisktinker17 That just isn't my style. I'm already well past that stage of life. 😁 Besides, even if I were still a college student, I wouldn't touch it—you can't exactly use it for international transactions outside the US, and from what I can see, there's no chip—it relies on a signature instead (and honestly, my paranoia is acting up a bit 🙂).
Elizabeth Thomas22 said:The monthly payment cannot exceed $667.. I was actually trying to pick up a new computer myself, but the transaction got declined because the monthly card limit is capped at $667, and you also need to have the full amount sitting in your bank account... it feels somewhat counterintuitive and unnecessarily restrictive...
-> Dear Mr. ******,
thank you for reaching out to us.
The American Express Gold Card designed for students does not support the processing of consumer installment loans.
This card is intended primarily for cashless transactions. Your maximum monthly spending limit per card is $0.67.
While this specific card does offer an option for installment payments through interest-free plans, please note that the total available credit is $667. For any purchase made via installments, you must possess sufficient available funds to cover the total cost of the product or service.
Sincerely,
Miro Dragičević Customer Relations Department Chase customer service department
Chase Washington, D.C.
So, what’s even the point of this card versus just using a standard Visa debit card from your checking account?😂 It's basically the exact same thing.
And how would you even handle the payment if it actually happens? Would they mail a bill to your house, or does it work like an American Express debit card where they just automatically pull it from your checking account?
Kevin James5 If you happen to be out in Sioux Falls or Indianapolis, all you really need is $0.83 to grab some Poughkeepsie stock—it’s a total win because you can skip those annoying bookkeeping fees and minimum commissions entirely!😉
With credit cards featuring RFID chips—which are likely designed for contactless payments—it’s probably doable. I haven't really seen those types of cards used much here yet. In the States, we typically use chips that require you to actually insert the card into the reader—kind of like how you'd use an old-school payphone card—so there's no risk of radio waves broadcasting your info into space.🙂
I assume Americans use them just to make shopping a total breeze; you basically just wave the card and you're done.🙂 If I had one of those, I’d just drill a tiny hole through it—taking care not to mess up the magnetic stripe or the embossed numbers, of course—and then the problem would be solved!
vividlynx68 said:To all the people whining about how expensive lawyers are—please, feel free to weigh in on this thread... ☕
You’re basically just patting yourself on the back here! The OP mentioned hiring an agency—which almost certainly means they had a lawyer draft the contract through them—and she hired a real estate firm, not a fashion house. At the end of the day, being "right" doesn't mean much if she still has to shell out more cash just to get what should have been hers from the start.
The price per share multiplied by the number of shares always equals the same total value—they’re just reciprocals of one another. Both funds launched at the exact same time. At Raiffeisen, one share is $49, whereas at AZ it’s $47—which essentially means AZ hasn't performed as well, making its individual shares "cheaper." Personally, between that and the damn attempts to manipulate the market, I wouldn't dream of switching over to AZ.
So, you're telling me the debit cards from Bank of America and Goldman Sachs aren't just solid for PayPal—they actually work for regular shopping too, just like someone using an American Express or a Visa Classic? That’s fantastic news! It turns out as long as you have a functional CVV, you're good to go—just go for it!🙂
And then you end up turning to a predatory payday lender just hoping they’ll act like a decent human being—which, let’s be honest, is a total long shot.