Most Accurate Pivot Point Extra Indicator for MetaTrader 4 ...

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UnemploymentCA

A community for California Residents who are on unemployment, or are seeking information about unemployment to ask questions and give advice.
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For California related unemployment questions, tips, news, and advice.
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Paying on Your Travels Abroad - Forex Card vs Credit Card vs Fiat Currency vs Bank Account

Been researching a little on the best way to pay when traveling abroad. Here's what I found. Eager to know what this sub thinks.
--
When you travel outside India, there are restrictions in how you can pay. The biggest concern is usually forex i.e. foreign exchange differences. As of 29 June 2022, it takes roughly 57 INR to make 1 SGD if I do that transaction via HDFC Bank. However, if I were to convert in my local city airport, the figure would be different. The same applies if I choose to do in Changi Airport, say, today itself. Not to mention the conversion fee in both latter cases.
This makes understanding the best way pay during your international travels a critical discussion. Especially if you are like me who is not a fan of paying heavy markups. I recently paid over 8K INR as markup fee to HDFC Bank because of an agent mess-up.
Thankfully, there are ways to limit the overhead when you convert currencies. Do note that it is impossible to avoid overhead. If you see foreign exchange, get ready to pay extra.
--
There are basically 3 common ways to make payments abroad:
  1. Get a forex card from the country where you are a citizen
  2. Use a credit card with international payments switched on
  3. Convert currencies locally and carry fiat money during travel
There is a 4th method that involves creating a bank account. This is not feasible if you travel as a tourist. Hence, it is out of the scope of this writeup.

Forex Card Basics for Travels

The idea is to refill a card with money where the currency exchange rate is fixed. If you buy a forex card today and fill it with INR 57k, you'll get about SGD 1K in that card. The biggest advantage is that the exchange rate is locked after you fill it. The card will still have SGD 1K when I travel to Singapore 6 months later.
There are single-currency and multi-currency forex cards, which are self-explanatory. The latter is a better option in most cases. However, if you only plan to travel to Phillipines because Liu Sin Ma ChooChoo from Facebook - your online flame - lives there, go ahead with an SIF.
Other benefits include not having to carry cash, fraud protection, electronic payment, etc.
Forex cards can be bought for free sometimes. HDFC charges 500++ for a new forex card and then charges 75++ every time you refill it. Electronic payments (say, when you pay for a hotel abroad), there is usually no charge. I say usually because the hotel should accept the currencies available in your FX card. Otherwise, you'll be charged cross-currency fees, which if I could ELI5, I would have been effing Raghuram Rajan.
Some banks seem to add a markup even when you pay using a forex card. However, this is not exactly black and white. I have found that banks usually charge a hidden fee even for electronic payments. Compare this with a Niyo Global FX that markets itself with 0% joining and markup fee. Due diligence is required here. In any case, prefer a reputable non-bank if you opt for FX card.
This sub's endorsement for forex from early in 2022 - https://www.reddit.com/IndiaInvestments/comments/sesv1o/im_moving_to_uk_next_month_for_my_studied_and_i/

Credit Card as a Payment Method Abroad?

If you have enabled international transactions on your credit card (which you shouldn't generally as frauds are attracted to them), you can pay through it during your travels. The only major drawback is the currency conversion markup fee levied by your CC bank. This can range from 1%++ to 3.5%++ which can be a lot if you are staying at the Ritz. Remember the 8K markup I paid? It was heartbreaking. I would have considered buying Reddit Premium for myself and then dropped the plan later.
I recommend CCs (VISA and Mastercard; Diners Club is a small club) as backup plans unless you have OneCard that offers 1% markup. The drawback here is that credit limits are laughable. BOB Financial, you unhelpful itch!
Useful thread from 2019 on forex vs credit debate - https://www.reddit.com/IndiaInvestments/comments/ap3w0t/forex_vs_credit_card/

Cash

Simply convert INR to any currency and carry it. However, we're in 2022, and a lot of global merchants don't accept it anymore. Few friends who are in Scotland right now said even local transit system insisted on card payment. They had taken 100K INR in cash and didn't use even half of it.
Converting cash in India has a hidden conversion fee whether you did it via an exchange agency or a travel portal. No one will tell you the fee as it is absorbed in the converted amount. I converted 20K INR into USD in late 2021 and saw that the calculation was 1 USD = 71 INR. Not a rip off but you get the idea.
Drawback is exchange variations and the need to handle cash during the trip.
I recommend some cash for local expenses. Say, you want to tip your gigolo when in Thailand? Go right ahead and slip that crunchy on his chest vest.
--

Bottom Line

The comparison between forex and credit cards is consequential. Both are good but I feel forex cards are slightly better as they also allow ATM withdrawals for a small fee. For instance, HDFC MMT card charges $2 for every USD withdrawal. That's a steal when compared to a withdrawal made via a CC.
What do I do?
If you want to know, I go the extra mile. I have 2 forex cards so far, one a HDFC multi-currency one and the other a Mastercard exclusive gifted my previous employer. I applied for a Niyo Global yesterday.
I have 4 CCs with decent limits + OneCard with 1% markup. All these are different charge back brands, so they all act as good buffer. If Discover doesn't work, I'll use MC and then never visit that merchant again.
I also convert some cash to the tune of 20K INR just to keep them in me and my partner's common bag and then pretend to not notice when a few big notes out of it travels its way from a hand or two to a fully waxed thorax portion beneath a fishnet.
This may read tricky to some who haven't travelled and paid abroad before. So, the best way to do this is to learn for experience and use this guide as a "Haan, u/rhoul ne bola tha!"
submitted by rhoul to IndiaInvestments [link] [comments]

For drivers that have the Amazon Flex card/bank. Has your payment hit your account yet today? Only way to contact them is via chat and it’s stating a 15 hour wait! 🙄😡. Will be getting rid of this account after I get my money.

For drivers that have the Amazon Flex card/bank. Has your payment hit your account yet today? Only way to contact them is via chat and it’s stating a 15 hour wait! 🙄😡. Will be getting rid of this account after I get my money. submitted by ceced2021 to AmazonFlexDrivers [link] [comments]

Earn Money To Advice – State Bank of India Stock | ForexWin

Earn Money To Advice – State Bank of India Stock | ForexWin submitted by MJ_Rock990 to ForexWin [link] [comments]

Forex scarcity: Banks suspend international transactions on Naira debit cards

Forex scarcity: Banks suspend international transactions on Naira debit cards submitted by vegasbm to Nigeria [link] [comments]

Dr Sania Nishtar: Since Aug 29, which is when the first flood fund collection telethon was held by @ImranKhanPTI we have received $3.8846M through credit card transactions. However $17.874M worth of credit card transactions failed, which is alarming. @StateBank_Pak may kindly look into this snag

Dr Sania Nishtar: Since Aug 29, which is when the first flood fund collection telethon was held by @ImranKhanPTI we have received $3.8846M through credit card transactions. However $17.874M worth of credit card transactions failed, which is alarming. @StateBank_Pak may kindly look into this snag submitted by EffffSola to pakistan [link] [comments]

Turkey’s three state-owned banks are planning to exit Russia’s Mir card system for fear of being penalized by the US Treasury

Turkey’s three state-owned banks are planning to exit Russia’s Mir card system for fear of being penalized by the US Treasury submitted by botbjng2828282 to UkrainianConflict [link] [comments]

Forex scarcity: Banks suspend international transactions on naira debit cards

Forex scarcity: Banks suspend international transactions on naira debit cards submitted by vegasbm to Nigeria_FreeSpeech [link] [comments]

Go cashless abroad with IndusInd Bank’s forex card

Students can now escape foreign exchange fluctuations by going cashless with the best Forex Card for Indian students. Get the Indus Multicurrency Forex Card, the one-stop solution to all your money woes.
submitted by bankindusInd01 to u/bankindusInd01 [link] [comments]

I've been wanting to start stacking, but I struggle with the idea of taking a hit on premiums the minute I buy something. After lots of deliberation, I decided to use what is on hand so....rolled $522 in coins I had in a big piggy bank and about $150 in random FOREX. First two bars ORDERED!

I've been wanting to start stacking, but I struggle with the idea of taking a hit on premiums the minute I buy something. After lots of deliberation, I decided to use what is on hand so....rolled $522 in coins I had in a big piggy bank and about $150 in random FOREX. First two bars ORDERED! submitted by areafiveone to Silverbugs [link] [comments]

I had my credit card cancelled because I wasn't sure of what a CENTROBILL charge was on my account. My bank pulled on the charges so I wasn't affected, and I received an email from Centro bill stating the following "We will not be able to provide services to you any longer until we receive payments"

Should I be worried? Is this something I have to even pay back? To my knowledge, I thought I was doing only a one-time non reocurring payment. I thought I was being scammed, so I contacted my bank to cancel the card. Now this email I got from Centrobill sounds almost threatening as they include their bank account information for me to transfer to. When I looked up Centrobill all I see are how people got scammed by this company. I always get a little worried about these kinds of situations, but I figured the most they can do is cancel service, right? I do realize now that I should've looked into what the charges were, and I should've been more vigilant about making sure that the charges were not reocurring. I am willing to pay back the charges if it is necessary. But I'd like some advice on what I should do.
submitted by airhuarache to Scams [link] [comments]

Asaf Jahi Dynasty - The Nizam's of Hyderabad - The largest and last Princely state in the Pre-Independence British India. I have traced the lineage of the Nizam's of Hyderabad all the way back to Prophet (pbuh) and also how the later prince's of the Nizam Family married into the Ottoman Royal House.

Asaf Jahi Dynasty - The Nizam's of Hyderabad - The largest and last Princely state in the Pre-Independence British India. I have traced the lineage of the Nizam's of Hyderabad all the way back to Prophet (pbuh) and also how the later prince's of the Nizam Family married into the Ottoman Royal House. submitted by AndChronology to indianmuslims [link] [comments]

Going to Europe. Without access to my USA phone, is it still possible to login and pay off credit cards from US Bank, citibank, wells fargo, and state department federal credit union?

Trying to decide which cards to apply for before I go to europe
​
This is my current application plan:
​
  1. US Bank Alt Connect + Citi Premier simultaneously
  2. Wells Fargo Autograph
  3. Bofa 250 travel card
  4. State Department Federal credit union 2% card
  5. Affinity FCU Cash Rewards Visa® Signature, not sure it works on the german amazon for 5% though, anyone know?
​
​
I mean I might be able to access my USA phone number to use as 2FA to login, swapping sim cards and paying Verizon will be slightly annoying in Europe
​
Basically one time for t mobile money, they at first accepted google voice for 2fa and then they didn't suddenly. So now I am wary of google voice for 2fa though I use it for bofa 2fa. But I'm trying to move away from that in case someone drops google voice 2fa support again. I'm trying to move to app-based 2fa solutions (capital one seems to have some nice options with their app, so does schwab, wealthfront, etc).
Does US Bank have a way to do 2fa that doesn't require a USA phone? What about Citi? Wells fargo? Affinity FCU? State Department Federal credit union? ty!!!
submitted by wallpapersdance to CreditCards [link] [comments]

Asaf Jahi Dynasty - The Nizam's of Hyderabad - The largest and last Princely state in the Pre-Independence British India. I have traced the lineage of the Nizam's of Hyderabad all the way back to Prophet (pbuh) and also how the later prince's of the Nizam Family married into the Ottoman Royal House.

Asaf Jahi Dynasty - The Nizam's of Hyderabad - The largest and last Princely state in the Pre-Independence British India. I have traced the lineage of the Nizam's of Hyderabad all the way back to Prophet (pbuh) and also how the later prince's of the Nizam Family married into the Ottoman Royal House. submitted by AndChronology to monarchism [link] [comments]

Bank of America concludes Hasbro has been overprinting cards and destroying the long-term value of the game

Bank of America concludes Hasbro has been overprinting cards and destroying the long-term value of the game submitted by ThredditorMTG to magicTCG [link] [comments]

Forex Technical Analysis – EUR/GBP | Bank of America | 15.11.2022

Forex Technical Analysis – EUGBP | Bank of America | 15.11.2022 submitted by familymod to forexmarketviews [link] [comments]

Today's forex news: Reserve Bank of Australia raises rates by 25 basis points

Today's forex news: Reserve Bank of Australia raises rates by 25 basis points
EUUSD 🔽 GBP/USD 🔽 AUD/USD 🔽 USD/CAD 🔼 USD/JPY 🔼 XAU 🔼 WTI 🔽
https://preview.redd.it/a9s83putbe4a1.jpg?width=1081&format=pjpg&auto=webp&s=120dc3fa61d5f7b9eda70af6b0d84b909b659115
The Reserve Bank of Australia has just increased its interest rate by 25 basis points to 3.1%, aligning with market estimates. Meanwhile, Australia recorded 0.6% quarterly growth for its GDP, slightly lower than the projected 0.7%, and AUD/USD suffered minor losses at 0.6692.
As the Federal Reserve is yet to put an end to the tightening cycle, the greenback continues to strengthen against other major currencies. As a result, EUUSD retreated to 1.0469, while GBP/USD slid more than 50 pips to 1.2137. USD/CAD increased over 60 pips to 1.3651, as investors anticipated a rate hike of 50 basis points in Canada later tonight. USD/JPY rebounded from a low of 136.03 to 137.05.
Multiple attacks deep in Russian territory suggest Ukraine will not sit idly during winter. This is despite the extended Russian invasion putting pressure on the global oil supply. WTI oil futures decreased to $74.25 a barrel. Spot gold rose to $1,771.07 an ounce, and Bitcoin suffered minor oscillations, currently at 17,066.0.
In the stock market, the S&P 500 slipped 57 points (-1.44%) to 3,941, the Dow Jones Industrial Average fell 350 points (-1.03%) to 33,596, and the Nasdaq 100 fell 237 points (-2.01%) to 11,549.
📱 Get instant market news delivered to you in real-time→ https://mytd.cc/22z
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Follow Mitrade's other social channels: Twitter: u/MitradeOfficial Instagram: u/mitrade_official *Not Personal Advice. All trading involves risks. This information is not intended for distribution where it is contrary to local regulations.
#fintech #finance #investing #trading #crypto #cfd #forex #commoditytrading #FinancialNews #FinServ #economy
submitted by Mitrade_Official to u/Mitrade_Official [link] [comments]

Asaf Jahi Dynasty - The Nizam's of Hyderabad - The largest and last Princely state in the Pre-Independence British India. I have traced the lineage of the Nizam's of Hyderabad all the way back to Prophet (pbuh) and also how the later prince's of the Nizam Family married into the Ottoman Royal House.

Asaf Jahi Dynasty - The Nizam's of Hyderabad - The largest and last Princely state in the Pre-Independence British India. I have traced the lineage of the Nizam's of Hyderabad all the way back to Prophet (pbuh) and also how the later prince's of the Nizam Family married into the Ottoman Royal House. submitted by AndChronology to Muslim [link] [comments]

Bank of International Settlement will test DeFi implementation in forex CBDC markets

Bank of International Settlement will test DeFi implementation in forex CBDC markets submitted by willdotit to CryptoCurrency [link] [comments]

Asaf Jahi Dynasty - The Nizam's of Hyderabad - The largest and last Princely state in the Pre-Independence British India. I have traced the lineage of the Nizam's of Hyderabad all the way back to Prophet (pbuh) and also how the later prince's of the Nizam Family married into the Ottoman Royal House.

Asaf Jahi Dynasty - The Nizam's of Hyderabad - The largest and last Princely state in the Pre-Independence British India. I have traced the lineage of the Nizam's of Hyderabad all the way back to Prophet (pbuh) and also how the later prince's of the Nizam Family married into the Ottoman Royal House. submitted by AndChronology to IndianHistory [link] [comments]

If you are the victim of an off-shore Crypto or FOREX fraud and cannot liquidate $100K or more upon demand, contact the International Criminal Court, the CFTC, FBI, SEC, and a REGISTERED attorney in the country where the scam artists do their banking . Do not waste a dime on any "Recovery Service"

submitted by AlmostThereKids to TheFraudSquad [link] [comments]

If you are the victim of an off-shore Crypto or FOREX fraud and cannot liquidate $100K or more upon demand, contact the International Criminal Court, the CFTC, FBI, SEC, and a REGISTERED attorney in the country where the scam artists do their banking . Do not waste a dime on any "Recovery Service"

submitted by AlmostThereKids to OffshoreScamAlerts [link] [comments]

LPT: If you find a missing wallet with no contact info, call the number on the back of a bank card

I just lost my wallet and had no contact info inside of it and my ID is out of state (parents address) the woman who found my wallet had no way of contacting me so she called my bank card and told them she found my wallet. The bank contacted me and I had my wallet back within the hour. Losing a wallet is already stressful. Help out your fellow humans.
submitted by Hand_Blanket to LifeProTips [link] [comments]

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