very likely , but add to that security codes ( last i investigated them ) are generated ( partly by algorithms applied to the Fibonacci sequence ... so if you eliminate all numbers NOT on the Fibonacci sequence .... brute force doesn't need such brute number crunchingBank has said the thieves are generating codes till they crack it. Second time I've heard this explanation. So is AI being used in brute force attacks?
I have a debit card which has unlimited transactions without fees, however I still pay most of my expenses in cash as I don't own any credit cards and hence don't get reward points so paying by card really offers no advantage for me.Yeah there are definitely better accounts, that offer unlimited free transactions, probably call your bank and see what they suggest.
Even commsec have a free account with unlimited debit card transactions.
Hum...pure coincidence or different percentages in the alloy mix?Newly minted 2024 coins received in change yesterday.
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As I have explained before, using my credit card for transactions in Australia earns me about 3% in benefits, so a 2% fee is still a net plus, not to mention that when travelling overseas that expands to a 10% benefit when using my card.I have a debit card which has unlimited transactions without fees, however I still pay most of my expenses in cash as I don't own any credit cards and hence don't get reward points so paying by card really offers no advantage for me.
Whereas with cash I avoid paying surcharges charged by certain small business. I mostly only use card when paying for things online or if I run out of cash before having a chance to go to an atm.
Plus with cash if you are paying for everything in cash you can just see visually how much you are spending when you open your wallet.
For example if you took $300 cash out of an ATM on Sunday last week and you have $100 left in your wallet, when you open your wallet to pay for something its a quick visual reminder "I have spent $200 in the last 7 days". Its good to have a quick unavoidable reminder of how much you are spending every time you open your wallet as it keeps you accountable.
I have a debit card which has unlimited transactions without fees, however I still pay most of my expenses in cash as I don't own any credit cards and hence don't get reward points so paying by card really offers no advantage for me.
Whereas with cash I avoid paying surcharges charged by certain small business. I mostly only use card when paying for things online or if I run out of cash before having a chance to go to an atm.
Plus with cash if you are paying for everything in cash you can just see visually how much you are spending when you open your wallet.
For example if you took $300 cash out of an ATM on Sunday last week and you have $100 left in your wallet, when you open your wallet to pay for something its a quick visual reminder "I have spent $200 in the last 7 days". Its good to have a quick unavoidable reminder of how much you are spending every time you open your wallet as it keeps you accountable.
Learned that the hard way, but very young. Cut up my credit card when I was 20 and have only had debit cards since.And backed up by independent studies -
Multiple studies have found that people will spend more when they use a credit card compared to cash. Paying in credit cards does offer an enviable convenience to "buy now and pay later," but individuals must be careful to monitor their spending carefully at risk of carrying heavy debts.
Should You Pay in Cash?
Avoiding paying by plastic can do wonders for your stress level and your pocketbook. Here's how to get out of the plastic money trap.www.investopedia.com
@wayneL We are the opposite Wayne. Have a credit card that is used for business and general expenses.Learned that the hard way, but very young. Cut up my credit card when I was 20 and have only had debit cards since.
Pity these scum bags work on the wrong side of the fence!!!Looks like a new scam going around -
Bank refund scam affecting automotive businessesMTA has been made aware of increased scam activity affecting automotive businesses including dealers.The scam involves hackers accessing a compromised internet banking account of a customer and making an unauthorised transfer to the business through the customer’s saved payee accounts.The scammers then contact the business, often using webchat or SMS, claiming the transfer was accidental and demand an immediate refund to an alternative bank account.Scammers often express a sense of urgency and pressure the business to transfer funds, prior to their detection.Protecting Your Business:• Prioritising phone calls for significant refunds.• Verifying customer identity using multiple methods such as driver's license, date of birth and recent purchase history.• Comparing the contact number used for the refund request with the customer's details on file.
I was down at the RAM on Monday arvo. A decent amount of people. The demographic was interesting. I was expecting a lot more older people but it was a decent mix. A few different nationalities as well.Newly minted 2024 coins received in change yesterday.
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Buyers? Visitors?I was down at the RAM on Monday arvo. A decent amount of people. The demographic was interesting. I was expecting a lot more older people but it was a decent mix. A few different nationalities as well.
A lot of the newer coins circulating Canberra.
did you ever wonder why ?Pity these scum bags work on the wrong side of the fence!!!
Both buyers and visitors. You can wander around and see the money history and tour the facilities. There's also a shop. I was down Canberra for business and took the kids with me. Went to the mint, questacon and war memorial. Picked up some of theBuyers? Visitors?
What do you buy at RAM? collector coins?
Or do they also sell gold silver?
Never been there
an advocate!!Cash still used if you need to but best is get some WeChat or Ali money on your phone.
Open a WeChat account maybe from HK if you can or from mainland .
It can be tricky aka near impossible to link an Aussie credit card to any of these account.when I left China at Covid time, it was even getting
Well no doubt the Glorious Super Clown aka The Trumpet will find a way that will enhance his bank balance at the same time.an advocate!!
Why U.S. tech companies struggle to replicate China's WeChat 'super app' model
While 'super apps' have flourished in Asia, their adoption in Western markets has been slower. But more tech companies seek to bring the same model to the U.S.www-cnbc-com.cdn.ampproject.org
Think about the apps you use on your phone every day. Studies have shown Americans use an average of 46 mobile apps each month to complete a variety of everyday tasks.
Now imagine if you could combine all of those programs into a single, standalone app. A one-stop shop to socialize with friends, order food, pay rent, or even consult with a doctor — colloquially known as the "super app."
"We're all sick of the dozens of apps on our phones," said Arjun Kharpal, CNBC's senior technology reporter. "And the appeal of the super app is that all of the functions of those apps are in one place, in the super app itself. It's convenient, it's frictionless."
Perhaps the most prominent example of the super app is Tencent's WeChat, which began in 2011 as a simple messaging app in China and today boasts more than 1.3 billion monthly active users. The popularity of such apps can be attributed to several factors, including convenience, seamless user experience, and user behavior. While super apps have flourished in Asia, their adoption in Western markets, including the U.S., has been slower due to a variety of reasons.
"The regulatory environment in the U.S. today is certainly not as conducive to allowing a super app to develop," said Dan Prud'homme, assistant professor at Florida International University's College of Business. "There are still very strong protections on things like peer-to-peer lending, data privacy, antitrust and so on that don't allow the apps in the U.S. to quite thrive in the same way that WeChat could."
But things may be starting to change. In recent years, more and more tech companies have set their sights on bringing the super app model to the U.S.
Watch the video to find out what's behind the appeal of super apps in Asia, why the U.S. has been slower to adopt the "everything app" model, and whether we can expect a super app in the U.S. anytime soon
a legal requirement to do so.I am starting to see around the traps that if you want to use your card they will be a notice that there will be a surcharge, from local delis, to bottloes to service stations, typically circa 1%.
It's a signal to me that at least some businesses want to go more towards cash.
FWIW
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