Albbi

joined 2 years ago
[–] Albbi@lemmy.ca 2 points 35 minutes ago

Well it isn't brain surgery.

[–] Albbi@lemmy.ca 2 points 9 hours ago (1 children)

Ah, I see. I was comparing Interac to credit cards.

[–] Albbi@lemmy.ca 2 points 10 hours ago (3 children)

You're complaining about something Interac does that credit cards can't even do? I'll wait while you send money with Visa by text.

[–] Albbi@lemmy.ca 3 points 16 hours ago* (last edited 16 hours ago)

I wouldn't say the 486SL was a slowed down version, I'd say it was the mobile computing variant. It actually had all the features that the 486DX had, unlike the 486SX which didn't have an FPU (floating point unit).

I was interested in looking this up because I used to have the SX and DX processors but have never heard of the SL before.

[–] Albbi@lemmy.ca 0 points 16 hours ago

It's been convenient to use my phone to tap and pay for things. But like, only slightly more than pulling out my debit card. Just got a new minimalistic wallet with a card ejector too so it's kinda fun to use.

[–] Albbi@lemmy.ca 2 points 18 hours ago

Credit unions do exist, and they keep money in the community much better than the big banks do.

The main reason to ditch Visa and Mastercard is hopefully if they get hit hard enough they'll lean on Trump to shut up about annexing Canada. Greenland and Panama too.

[–] Albbi@lemmy.ca 2 points 19 hours ago (1 children)

So glad I could inspire you! And I didn't take any offense to your comments. I just kinda woke up angry this morning (my other pet peeve is unsynchronized traffic lights) and made this post. I suppose I could put some real work into making an image that can be shared. I like your ideas.

[–] Albbi@lemmy.ca 14 points 21 hours ago (9 children)

I would love to hear your side of things. Cash is better for curbing impulse spending and it is of course anonymous but it is inconvenient. I feel like there's a target on my back when I walk around with more than a couple hundred dollars.

[–] Albbi@lemmy.ca 25 points 21 hours ago* (last edited 21 hours ago) (3 children)

You're right and the network effect would be very hard to overcome for this. It would need a lot of media attention just like liquor and alcohol.

I whipped this up too.

[–] Albbi@lemmy.ca 6 points 21 hours ago (1 children)

I call it a tax because the charge is a percentage of the transaction instead of a flat fee. The fact that Interac can charge a flat fee shows that it is possible.

The "tax" is only accepted because consumers can't see it, and then we're offered rewards like the percent cash back. That's our own damn money they're rewarding us with!

[–] Albbi@lemmy.ca 8 points 22 hours ago (2 children)

This is definitely one of the biggest hurdles with getting rid of credit cards, the lack of easy credit history.

Going the line of credit route is ok, but there's no grace period before interest is charged, unlike most credit cards. So it's something to be aware of.

[–] Albbi@lemmy.ca 3 points 22 hours ago (4 children)

I thought crypto was made to buy weed. /s

 

Visa and Mastercard are American companies, and they essentially tax everybody by taking a percentage of purchase prices for themselves. Not exactly a small percentage either, 1.2% to 2.65%. Ever wonder why so many merchants say they don't accept American Express? That's because they charge quite a bit more to merchantes, 50% more than Visa or Mastercard. Anyway, we're letting American companies tax us and we love them because we get rewards when we use cards. But it's just a shell game because we pay more up front because businesses need to charge more to make up for payment processing charges. They get to sit in the middle and rake in the money.

Now the alternative in Canada is Interac. Interac charges a set amount per transcation. How much? 2 to 5.5 cents. Unless you're going through Apple or Google Pay, and then it's a percentage again.

Interac is also Canadian.

Want to stick it to Trump? Stop using credit cards (and Google Pay or Apple Pay) and switch to Interac. Want to make Canada better? Stop using credit cards and switch to Interac. Is it going to be inconvenient? Yes. Online shopping will be much harder but I have seen online Interac payments before and we can ask our favourite Canadian merchants to accept Interac online.

 

This has been the best peanut butter I've ever had, but it's a product of the USA. I just love the taste the dark roast adds. I've never seen any other brands that do the same thing. Any suggestions out there?

 

All frontends other than the default at lemmy.ca seem to be down, giving a Cloudflare 520 error message.

 

Working at the office today and from all angles cars are reflecting sunlight into my eyes. Just realized that bicycle parking wouldn't be causing this slight inconvenience to me. Fuck cars.

 

Discovered that one of my lights was getting dimmer because halogen bulbs were burning out. This is a new house and I thought it was already an LED fixture. Got 3 new LED bulbs to make that area nice and bright.

Also discovered the house has metal studs when I went to mount the TV. bought some metal anchors. Never worked with metal studs before. Hope it turns out.

 

I think Anaheim was one of the places my wife and I were interested in," Trouba said

He's so whipped. Haha. Doesn't even know if Anaheim was a place "they" were interested in.

And I'll never forgive him for the way he forced himself out under unfavorable terms, and for that awful play that cost the Jets the 2019 game 5 vs St Louis.

 
 

Its been a pretty fun start to the season. Just really don't want the streak to end to the Leafs, but I'm kinda expecting it.

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