KRAKEN BITCOIN EXCHANGE whaaa?
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@dkf said in KRAKEN BITCOIN EXCHANGE whaaa?:
Gypsies do get all over the place, true.
The racism thread is .
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@asdf said in KRAKEN BITCOIN EXCHANGE whaaa?:
In Europe, monthly bills are usually automatically withdrawn from your account. You don't have to think about paying them at all. This sounds like a dangerous system, but it actually works remarkably well. I haven't had to contest a single charge so far…
That sounds just like stuff I can set up through my banks bill pay system, though it can do a lot more than that.
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@boomzilla I'm a bit losing track now.
As for Europe, there is now the 'Single Euro Payments Area' which has two standardized ways of payment: SEPA credit transfer (sending money to another account using the IBAN number, can be one-off or recurrent, cannot be contested/reversed) and SEPA direct debit (giving a company a mandate to withdraw money from your account, can be one-off or recurrent, can be contested/reversed). Moreover there is a 'cards framework' but that doesn't seem to be legally binding.
As far as I know, the most common ways of payment are 'direct debit' for rent, utilities, phone contracts etc., 'credit transfer' to receive salary, and cash or debit card to pay for groceries or other stuff in stores.
For online shopping there are multiple possibilities: 'credit transfer' in advance (can take a few days to process; the usual option on sites like eBay; the possibility that blakeyrat was offered), cash-on-delivery (usually quite expensive), an invoice for 'credit transfer' after delivery (if a shop trusts you), or credit card. Or perhaps some kind of national system - in the Netherlands one is very popular where official online banking portals are turned into virtual payment terminals with immediate payment confirmation, that can be embedded into web shops.
What is, in a similar fashion, the big picture in the USA?
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@asdf said in KRAKEN BITCOIN EXCHANGE whaaa?:
@dkf said in KRAKEN BITCOIN EXCHANGE whaaa?:
Gypsies do get all over the place, true.
The racism thread is .
WHAT RACE IS GYPSY HUH?
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@Grunnen said in KRAKEN BITCOIN EXCHANGE whaaa?:
What is, in a similar fashion, the big picture in the USA?
I can tell my bank to pay someone. They probably send a check. Who knows? Who cares? Shit gets paid. I have at least a few monthly bills where the statement is sent to my bank or something and it gets handled automatically. Honestly, I don't really know. That's my wife's job. It all just kind of happens from my perspective. My role in the relationship is the income side of the ledger.
When I buy something online I use a credit card. Practically every store or restaurant or whatever that I could walk into takes credit cards. I think the last time I bought something from a place that didn't take credit cards was at the golf course, where the chick drives a wagon around with beers and chips and stuff. We have a reader that plugs into smart phones and use it when we sell Cub Scout popcorn outside of the grocery store.
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@Weng said in KRAKEN BITCOIN EXCHANGE whaaa?:
Literally the only times anyone does wire transfers from personal banking accounts in the US are buying a house and 419 scams.
Every 2-3 years I do a wire transfer to top up my Canadian bank account.
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@Greybeard said in KRAKEN BITCOIN EXCHANGE whaaa?:
@Weng said in KRAKEN BITCOIN EXCHANGE whaaa?:
Literally the only times anyone does wire transfers from personal banking accounts in the US are buying a house and 419 scams.
Every 2-3 years I do a wire transfer to top up my Canadian bank account.
If you're going to send money to the fuck you, give me money.
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@Lorne-Kates I have your money, pictured below. Just tell me where to mail it.
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@Greybeard We discontinued the penny, so you'll have to add one more or round up to a Nickeul.
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@Greybeard said in KRAKEN BITCOIN EXCHANGE whaaa?:
Just tell me where to mail it.
Funnily enough, despite using my real name on several forums for years-- including my home town-- I can't seem to find my own home address on Google.
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@asdf I once held a check for 4.2 million euros. Unfortunately, it wasn't made out to me, and the guy in question was standing next to me, joking that maybe he'd take it and skip overseas instead of depositing it in the company bank account (and using a vanishingly small portion to pay my next salary).
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@Lorne-Kates said in KRAKEN BITCOIN EXCHANGE whaaa?:
@Greybeard We discontinued the penny
I am aware of that.
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@asdf said in KRAKEN BITCOIN EXCHANGE whaaa?:
@blakeyrat said in KRAKEN BITCOIN EXCHANGE whaaa?:
Your bank doesn't have bill pay?
In Europe, monthly bills are usually automatically withdrawn from your account. You don't have to think about paying them at all. This sounds like a dangerous system, but it actually works remarkably well. I haven't had to contest a single charge so far…
And if it's the electricity bill from EDF, and they've been estimating based on the electricity used by two people, and one of those two people is now dead (and therefore not needing the 200W light bulb(1) in the living room any more), they end up refunding money when they come and make a real reading. And the refund comes by the same route that the estimated bills left by.
(1) Yes, a 200W light bulb. That's a real thing here in France. It's not a typo. I don't mean a 20W LED bulb. I mean a coiled-up coil of tungsten heated beyond 3000 Kelvin and then maintained at that temperature by more than a quarter of a horsepower of electricity. It's a good thing it's on a dimmer, because the surge current when you switched it on would be a bit scary if it wasn't. The Internet tells me that there's a factor of something like 20 between the resistivity of tungsten at room temperature and at operating temperature, so the instantaneous power at room temperature would be something like 4 KW, or a momentary current draw on 240V of around 16-17 amps. (And yes, I know, the inductance of the circuit, including the coiled coil filament, would limit the current growth, but it would still be enough to blow fuses and/or pop circuit breakers.)
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@Steve_The_Cynic said in KRAKEN BITCOIN EXCHANGE whaaa?:
Yes, a 200W light bulb.
I've got some of those. All that light is occasionally useful, even though most of the time it isn't. Dimmer switches are a thing…
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@dkf said in KRAKEN BITCOIN EXCHANGE whaaa?:
Yes, a 200W light bulb.
I've got some of those.
Me too. I love that 200W halogen lamp, since it attracts all the mosquitoes in the room and then fries them.
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@asdf said in KRAKEN BITCOIN EXCHANGE whaaa?:
@dkf said in KRAKEN BITCOIN EXCHANGE whaaa?:
Yes, a 200W light bulb.
I've got some of those.
Me too. I love that 200W halogen lamp, since it attracts all the mosquitoes in the room and then fries them.
I happened to be watching when mine smoked a wasp. (Standard yellow/black bane of picnics in the UK and, apparently, northern France, most likely vespula vulgaris or vespula germanica. I couldn't say which it was because the smoke and carbonised remains look much the same either way.) It was flying around the room, with an unhealthy (for it) bias toward being at the same end of the room as the 200W quartz halogen tube bulb uplighter. Eventually, it flew over the top a bit closer, and dipped into it, with a fizzing sound and a plume of smoke.
EDIT: the remark about mosquitos reminds me of the advice I heard about those purple-blue bugzapper lights. If you are having a barbecue for the neighbourhood, put the zapper at the other end of the garden so it attracts the bugs down there, where the people aren't.
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@dkf In any case, I'm not giving @Lorne-Kates the additional USD 0.0152 to round up to a coin in circulation.
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@Steve_The_Cynic said in KRAKEN BITCOIN EXCHANGE whaaa?:
so it
attractsexplodes and spreads around the bugs down there, where the people aren't.FTFY
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@Tsaukpaetra said in KRAKEN BITCOIN EXCHANGE whaaa?:
@anotherusername said in KRAKEN BITCOIN EXCHANGE whaaa?:
In the US, I believe ACH transfers are almost exclusively used instead of wire transfers.
Agreed. Apparently Wire transfers are (for some reason) a Bad Idea here in the USA, possibly due to being (apparently) easy to exploit by scammers.
They're also like three orders of magnitude more expensive to process, so there's that.
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@dkf said in KRAKEN BITCOIN EXCHANGE whaaa?:
@Tsaukpaetra Do it the Oracle way! Scribble an empty string across it…
Do it the Brillant way and scribble ' OR 1=1; UPDATE CHECKING_ACCOUNT SET BALANCE = 99999999999 WHERE ACCOUNT_NO = 123; COMMIT; --
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@blakeyrat Someone obviously hasn't bought DogeCoin.
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@JazzyJosh Literally billions of people have never bought Dogecoin and never will.
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@blakeyrat Very True such wow
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@JazzyJosh said in KRAKEN BITCOIN EXCHANGE whaaa?:
They're also like three orders of magnitude more expensive to process, so there's that.
What's expensive to process depends on what processes they've automated properly. Something that they handle a lot of, they automate correctly and can do cheaply. Something unusual, they handle manually and at considerable cost. Nobody bothers to automate every possible process; there's far too many to even consider that…
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@Greybeard said in KRAKEN BITCOIN EXCHANGE whaaa?:
USD 0.0152
Nobody took the bait. I am disappoint.
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The Canadian bank I use (because they have an effective monopoly in the region I frequent) permits one to use their web site to pay another customer of the same bank. One enters the name, branch, and account numbers to set up a payee, then one selects an amount, payee, and date to transfer the money.
One gets a confirmation page with a confirmation number. One better screenshot or print the page right away—afterwards the transaction will show up with a description of "WWW PAYMENT", with no way to discover either the confirmation number or even which payee it was.
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@Greybeard said in KRAKEN BITCOIN EXCHANGE whaaa?:
Nobody took the bait. I am disappoint.
What bait? We don't have the two-cent piece for a while now...
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I'm not aware that Canada ever had a six-cent piece. The joke, or what there was of it, was that I don't actually have four Canadian pennies—just three Canadian pennies and a wife that does Photoshop.
I'm keeping the wife.