dan

joined 2 years ago
[–] dan@upvote.au 4 points 1 week ago (1 children)

I'm confused as to why T-Mobile is on that list but neither AT&T nor Verizon are.

[–] dan@upvote.au 1 points 1 week ago

A lot of restaurants add on an extra fee if you pay by card

In the US, this is pretty recent... It's only been allowed since last year. Previously, MasterCard and Visa's merchant agreements both said that merchants must not charge a fee for paying by card, and the store could have their MC/Visa agreement terminated if they were caught charging fees. Some stores got around this by offering a cash discount rather than charging a fee for cards. There was a big lawsuit and the rules got changed as a result.

In Australia, there's a lot of rules around card fees/surcharges. I linked to an article in my previous comment. The business can't charge more than it costs them to process card payments, and they're only allowed to list it as a separate fee if they have a fee-free way of paying (like with cash). If they only take card, they need to include the card fee in the advertised prices.

[–] dan@upvote.au 2 points 1 week ago* (last edited 1 week ago) (2 children)

This is one of the reasons merchant fees are so high in the USA.

In Australia, merchant fees for a medium-sized business are an average of 0.75 to 1.5% for credit cards and 0.25% to 1% for debit cards, according to the Reserve Bank of Australia (https://www.accc.gov.au/consumers/pricing/card-surcharges).

In the USA they're often over double that. Some payment processors charge 3% or more for credit card processing.

[–] dan@upvote.au 24 points 1 week ago

Hand-crafted, locally-grown, artisinal racist videos.

[–] dan@upvote.au 3 points 1 week ago (2 children)

Accommodation in US capital cities is pretty expensive. Inflation has hit the US harder than Australia over the past few years.

[–] dan@upvote.au 10 points 1 week ago

Who actually cares about this, though?

[–] dan@upvote.au 3 points 1 week ago (1 children)

I'd love to see an integration with PhotoStructure in addition to Immich.

[–] dan@upvote.au 10 points 1 week ago* (last edited 1 week ago) (8 children)

If this was done in the USA, a lot of airlines would struggle or even collapse if they couldn't figure out how to adapt.

The four biggest airlines in the US (United, Delta, American and Southwest) all lose money on flights. The way they make a profit is through their co-branded credit cards. The banks pay the airlines to purchase miles from them to use as points, and one of the primary ways the bank makes the money to do that is from interest payments.

https://www.investopedia.com/the-four-biggest-us-airlines-all-lost-money-flying-passengers-last-year-8781856

I'm not saying that interest rates shouldn't be limited, just that there'd be some major impact since a lot of the financial industry is funded by interest payments.

[–] dan@upvote.au 6 points 2 weeks ago* (last edited 2 weeks ago)

Their products are still solid. Any brand can have issues with their batteries (other companies use the same cells), and I don't see a reason to avoid their non-battery products like cables and chargers.

[–] dan@upvote.au 5 points 2 weeks ago (2 children)

I've got a PowerCore 20000k (20Ah). I wonder why the 10Ah version is "fire-prone" but the 20Ah version isn't.

[–] dan@upvote.au 3 points 2 weeks ago* (last edited 2 weeks ago)

Transfers are usually pretty quick these days. Sometimes I transfer money from Schwab to Fidelity at night, and it's already available the next morning.

In the USA, a lot of the larger banks and brokerages (and maybe credit unions?) internally use systems like FedNow or RTP, which allow for instant transfers to other banks. It can take a little while if they do extra security checks though.

[–] dan@upvote.au 2 points 2 weeks ago

Some people aren't good with money management and may forget to transfer money across, especially for scheduled things (bill payments, rent, etc)

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