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CUDAcores89

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  1. Funny
    CUDAcores89 got a reaction from TopHatProductions115 for a status update, Today I went to the junkyard and found 128GB of PNY non ECC DDR3 in 8GB sticks. That'   
    Today I went to the junkyard and found 128GB of PNY non ECC DDR3 in 8GB sticks. That's 16 sticks. 
     
    Except all of them are dead...
     
    All of them.
     
    I tried an HP ML330 G6 server, an HP tower with an ivy bridge i5, and an asus P55 motherboard. All three systems gave gave me memory errors before even completing the POST process.
     
    Why would 16 sticks of RAM I found all be dead at the same time? Were they pulled form a buynch of PCs that were subject to a lightning strike or something?
     
    This sucks because I've got contacts with buyers who will pay me $600 for all that. If it's dead, then nobody wants it.
     
    Only thing I haven't tried yet is an AMd system. I currently don't have any of those on hand so i'll have to find one.
  2. Funny
    CUDAcores89 reacted to tmcclelland455 for a status update, I have never shown my distaste for idiocy so elegantly and so restrained, and I am bo   
    I have never shown my distaste for idiocy so elegantly and so restrained, and I am both confused and aroused by it. I dare say I need to go back to the ER and get checked back out.

  3. Funny
    CUDAcores89 reacted to iamdarkyoshi for a status update,           

     
     
     
     

  4. Funny
    CUDAcores89 got a reaction from TopHatProductions115 for a status update, Today I went to the junkyard and found 128GB of PNY non ECC DDR3 in 8GB sticks. That'   
    Today I went to the junkyard and found 128GB of PNY non ECC DDR3 in 8GB sticks. That's 16 sticks. 
     
    Except all of them are dead...
     
    All of them.
     
    I tried an HP ML330 G6 server, an HP tower with an ivy bridge i5, and an asus P55 motherboard. All three systems gave gave me memory errors before even completing the POST process.
     
    Why would 16 sticks of RAM I found all be dead at the same time? Were they pulled form a buynch of PCs that were subject to a lightning strike or something?
     
    This sucks because I've got contacts with buyers who will pay me $600 for all that. If it's dead, then nobody wants it.
     
    Only thing I haven't tried yet is an AMd system. I currently don't have any of those on hand so i'll have to find one.
  5. Agree
    CUDAcores89 got a reaction from captain_to_fire for a status update,   If you want a good quality printer, get a plain old black and white laser printer.   
     
    If you want a good quality printer, get a plain old black and white laser printer. They have come down in price significantly over the years.
     
    When I was in college last year, I used a basic brother HL-L2320D laser printer. I still have that printer to this day, and it works great. 
     
    I got it in sale on best buys website (of all places) for $60.
     
    It doesn't have wireless, you have to plug in a USB cable. That just means it works every single time .
     
    It came with a toner cartridge in the box good for 3000 pages. I have yet to use up that toner cartridge.
     
    I specifically looked for a model with cheap 3rd party toner cartridges. Cartridges for the brother series of printers is VERY cheap. I can get 4 toner cartridges for 25 bucks on eBay and each cartridge will do 2500 pages on it's own.
     
    https://www.ebay.com/sch/i.html?_from=R40&_trksid=m570.l1313&_nkw=hl-l2320d+toner+4pk&_sacat=0&LH_TitleDesc=0&_sop=15&_odkw=hl-l2320d+toner&LH_BIN=1
     
     
    My roommate wondered "why do you have a huge printer"? Meanwhile his inkjet printer had broken down on him at least once and he had to buy a new pack of ink cartridges at least once during the year.
     
    Inkjet printers typically cost $60-80 even at the low end, and the ink costs as much as the printer. While he had spent $200 to print out the same black and white essays I was printing out, I spent far less than he did.
     
    If you are going to college soon and need to do a lot of printing, it will save you SOOO much time to not have to run back to the library just to print something stupid.
     
     Also I do recommend brother for printers.They are the least likely to significantly up-sell you on the new toner like HP or Samsung. They also have very cheap toner cartridges as you can see.
  6. Like
    CUDAcores89 got a reaction from 8uhbbhu8 for a status update, If you are watching a youtube video and want to injust the information faster, just s   
    If you are watching a youtube video and want to injust the information faster, just speed it up to 1.25-1.5X.
     
    Lifehack?
  7. Like
    CUDAcores89 got a reaction from DrMacintosh for a status update, Just as a word of warning...   NEVER keep ANY money in your balance of what are calle   
    Just as a word of warning...
     
    NEVER keep ANY money in your balance of what are called "money transmitter" services like Paypal, Venmo, square cash or many of these "digital payment" apps. 
     
    The reasons are two-fold:
     
    1. You will not earn Interest on your money.
     
    This one is not that big of a deal since interest rates are very low right now, like 2% at best, but 2% is better than zero.
     
    2. They are not subject to the same fraud protections that banks are:
     
    Under US federal law there are certain protections all US citizens have as bank account holders, where if money is fraudulently withdrawn from your bank you have a specific number of days to report it AND your liability is capped at a maximum dollar amount. Meaning if someone withdrawals say $1000 from your bank to some place in Turkey and you see it the next day, the bank has to (legally speaking) refund you. 
     
    Paypal, Vanmo and Square cash are not subject to these regulations. This means if say someone get's ahold if your paypal account and transfers out your balance into some foreign bank somewhere, you are at the mercy of the company to get your money back. This could also mean that if money randomly dissipeared form your account (like what happened to some venmo users in 2016) you are again at the mercy of the company to get it back. And if the amount is big, i'm sure they will just take the hit, write you off as a customer and forget about it rather than solving the problem.
     
    Don't believe me? This has happened before:
    http://internet.gawker.com/what-happens-when-someone-hacks-your-venmo-and-steals-a-1688519665 
     
    2. Paypal, Venmo and Square are all not FDIC insured. 
     
    What is FDIC insurance? FDIC insurance is something that nearly all financial institutions in the United States have. This insurance guarantees that is said financial institution goes under, the depositors (you) will be guaranteed to lose ZERO money. So if your bank declares bankruptcy and you have $1000 there, you will still have a way to get all your money back.
     
    Paypal, Venmo and Square do not have this. If paypal goes under, the creditors (lenders to paypal) are allowed to seize the depositors (your) money to pay them off. Meaning if you had $1000 in paypal and suddenly they go out of business, they have the right to:
     
    Lock your account so you cannot withdrawal your money Use said money to pay off their creditors in the event of bankruptcy.   
    And do you really think paypal is going to give back the money out of the kindness of their hearts and NOT pay off their creditors? Of course not! If paypal was ever in a situation where they declared bankruptcy, you can bet your ass that they're gonna use your money to do it so the executives can get off Scott free because at the end of the day, they don't need to care about their customers at that point.
     
    What can you do about this:
     
    1. Connect your bank to these payment apps and only use them for bank-to-bank transfers.
     
    Yes this is slower, but if you are sending a large amount of money and venmo goes under, there is no money for creditors to seize since it has moved between two banks. The sending and receiving banks are also required to provide consumer protections if your account is ever overdrawn, saving you in case your payment account is hacked.
     
    Even better, connect your debit card to these accounts and send/receive money through a debit card instead. This way you will also be protected by visa/MasterCard.
     
    2. If you receive money from someone, move it as fast as you can into your bank.
     
    This way there will be no money in your account to begin with.
     
    Me personally I am an ebay seller and have a paypal business account. Thus I have a feature called "auto sweep" where paypal automatically transfers the money in my account into my bank every day from my ebay sales. This can only be done on business accounts, which you can only get by pushing at least $5000 in sales through paypal so this won't apply to everyone.
     
    The Sole exception to everything I just said is google pay. What makes google pay different is their funds are FDIC insured, thus they have all the protections as a bank. So feel free to keep a balance there.
     
    This post was prompted by a relative who just had $300 stolen from their paypal balance. She got her money back, but it was a whole day of calling paypal (which isn't known for good customer service). Not she will just use her debit card everywhere.
  8. Like
    CUDAcores89 got a reaction from DrMacintosh for a status update, Just as a word of warning...   NEVER keep ANY money in your balance of what are calle   
    Just as a word of warning...
     
    NEVER keep ANY money in your balance of what are called "money transmitter" services like Paypal, Venmo, square cash or many of these "digital payment" apps. 
     
    The reasons are two-fold:
     
    1. You will not earn Interest on your money.
     
    This one is not that big of a deal since interest rates are very low right now, like 2% at best, but 2% is better than zero.
     
    2. They are not subject to the same fraud protections that banks are:
     
    Under US federal law there are certain protections all US citizens have as bank account holders, where if money is fraudulently withdrawn from your bank you have a specific number of days to report it AND your liability is capped at a maximum dollar amount. Meaning if someone withdrawals say $1000 from your bank to some place in Turkey and you see it the next day, the bank has to (legally speaking) refund you. 
     
    Paypal, Vanmo and Square cash are not subject to these regulations. This means if say someone get's ahold if your paypal account and transfers out your balance into some foreign bank somewhere, you are at the mercy of the company to get your money back. This could also mean that if money randomly dissipeared form your account (like what happened to some venmo users in 2016) you are again at the mercy of the company to get it back. And if the amount is big, i'm sure they will just take the hit, write you off as a customer and forget about it rather than solving the problem.
     
    Don't believe me? This has happened before:
    http://internet.gawker.com/what-happens-when-someone-hacks-your-venmo-and-steals-a-1688519665 
     
    2. Paypal, Venmo and Square are all not FDIC insured. 
     
    What is FDIC insurance? FDIC insurance is something that nearly all financial institutions in the United States have. This insurance guarantees that is said financial institution goes under, the depositors (you) will be guaranteed to lose ZERO money. So if your bank declares bankruptcy and you have $1000 there, you will still have a way to get all your money back.
     
    Paypal, Venmo and Square do not have this. If paypal goes under, the creditors (lenders to paypal) are allowed to seize the depositors (your) money to pay them off. Meaning if you had $1000 in paypal and suddenly they go out of business, they have the right to:
     
    Lock your account so you cannot withdrawal your money Use said money to pay off their creditors in the event of bankruptcy.   
    And do you really think paypal is going to give back the money out of the kindness of their hearts and NOT pay off their creditors? Of course not! If paypal was ever in a situation where they declared bankruptcy, you can bet your ass that they're gonna use your money to do it so the executives can get off Scott free because at the end of the day, they don't need to care about their customers at that point.
     
    What can you do about this:
     
    1. Connect your bank to these payment apps and only use them for bank-to-bank transfers.
     
    Yes this is slower, but if you are sending a large amount of money and venmo goes under, there is no money for creditors to seize since it has moved between two banks. The sending and receiving banks are also required to provide consumer protections if your account is ever overdrawn, saving you in case your payment account is hacked.
     
    Even better, connect your debit card to these accounts and send/receive money through a debit card instead. This way you will also be protected by visa/MasterCard.
     
    2. If you receive money from someone, move it as fast as you can into your bank.
     
    This way there will be no money in your account to begin with.
     
    Me personally I am an ebay seller and have a paypal business account. Thus I have a feature called "auto sweep" where paypal automatically transfers the money in my account into my bank every day from my ebay sales. This can only be done on business accounts, which you can only get by pushing at least $5000 in sales through paypal so this won't apply to everyone.
     
    The Sole exception to everything I just said is google pay. What makes google pay different is their funds are FDIC insured, thus they have all the protections as a bank. So feel free to keep a balance there.
     
    This post was prompted by a relative who just had $300 stolen from their paypal balance. She got her money back, but it was a whole day of calling paypal (which isn't known for good customer service). Not she will just use her debit card everywhere.
  9. Agree
    CUDAcores89 got a reaction from captain_to_fire for a status update,   If you want a good quality printer, get a plain old black and white laser printer.   
     
    If you want a good quality printer, get a plain old black and white laser printer. They have come down in price significantly over the years.
     
    When I was in college last year, I used a basic brother HL-L2320D laser printer. I still have that printer to this day, and it works great. 
     
    I got it in sale on best buys website (of all places) for $60.
     
    It doesn't have wireless, you have to plug in a USB cable. That just means it works every single time .
     
    It came with a toner cartridge in the box good for 3000 pages. I have yet to use up that toner cartridge.
     
    I specifically looked for a model with cheap 3rd party toner cartridges. Cartridges for the brother series of printers is VERY cheap. I can get 4 toner cartridges for 25 bucks on eBay and each cartridge will do 2500 pages on it's own.
     
    https://www.ebay.com/sch/i.html?_from=R40&_trksid=m570.l1313&_nkw=hl-l2320d+toner+4pk&_sacat=0&LH_TitleDesc=0&_sop=15&_odkw=hl-l2320d+toner&LH_BIN=1
     
     
    My roommate wondered "why do you have a huge printer"? Meanwhile his inkjet printer had broken down on him at least once and he had to buy a new pack of ink cartridges at least once during the year.
     
    Inkjet printers typically cost $60-80 even at the low end, and the ink costs as much as the printer. While he had spent $200 to print out the same black and white essays I was printing out, I spent far less than he did.
     
    If you are going to college soon and need to do a lot of printing, it will save you SOOO much time to not have to run back to the library just to print something stupid.
     
     Also I do recommend brother for printers.They are the least likely to significantly up-sell you on the new toner like HP or Samsung. They also have very cheap toner cartridges as you can see.
  10. Like
    CUDAcores89 got a reaction from 8uhbbhu8 for a status update, If you are watching a youtube video and want to injust the information faster, just s   
    If you are watching a youtube video and want to injust the information faster, just speed it up to 1.25-1.5X.
     
    Lifehack?
  11. Agree
    CUDAcores89 got a reaction from captain_to_fire for a status update,   If you want a good quality printer, get a plain old black and white laser printer.   
     
    If you want a good quality printer, get a plain old black and white laser printer. They have come down in price significantly over the years.
     
    When I was in college last year, I used a basic brother HL-L2320D laser printer. I still have that printer to this day, and it works great. 
     
    I got it in sale on best buys website (of all places) for $60.
     
    It doesn't have wireless, you have to plug in a USB cable. That just means it works every single time .
     
    It came with a toner cartridge in the box good for 3000 pages. I have yet to use up that toner cartridge.
     
    I specifically looked for a model with cheap 3rd party toner cartridges. Cartridges for the brother series of printers is VERY cheap. I can get 4 toner cartridges for 25 bucks on eBay and each cartridge will do 2500 pages on it's own.
     
    https://www.ebay.com/sch/i.html?_from=R40&_trksid=m570.l1313&_nkw=hl-l2320d+toner+4pk&_sacat=0&LH_TitleDesc=0&_sop=15&_odkw=hl-l2320d+toner&LH_BIN=1
     
     
    My roommate wondered "why do you have a huge printer"? Meanwhile his inkjet printer had broken down on him at least once and he had to buy a new pack of ink cartridges at least once during the year.
     
    Inkjet printers typically cost $60-80 even at the low end, and the ink costs as much as the printer. While he had spent $200 to print out the same black and white essays I was printing out, I spent far less than he did.
     
    If you are going to college soon and need to do a lot of printing, it will save you SOOO much time to not have to run back to the library just to print something stupid.
     
     Also I do recommend brother for printers.They are the least likely to significantly up-sell you on the new toner like HP or Samsung. They also have very cheap toner cartridges as you can see.
  12. Like
    CUDAcores89 got a reaction from DrMacintosh for a status update, Just as a word of warning...   NEVER keep ANY money in your balance of what are calle   
    Just as a word of warning...
     
    NEVER keep ANY money in your balance of what are called "money transmitter" services like Paypal, Venmo, square cash or many of these "digital payment" apps. 
     
    The reasons are two-fold:
     
    1. You will not earn Interest on your money.
     
    This one is not that big of a deal since interest rates are very low right now, like 2% at best, but 2% is better than zero.
     
    2. They are not subject to the same fraud protections that banks are:
     
    Under US federal law there are certain protections all US citizens have as bank account holders, where if money is fraudulently withdrawn from your bank you have a specific number of days to report it AND your liability is capped at a maximum dollar amount. Meaning if someone withdrawals say $1000 from your bank to some place in Turkey and you see it the next day, the bank has to (legally speaking) refund you. 
     
    Paypal, Vanmo and Square cash are not subject to these regulations. This means if say someone get's ahold if your paypal account and transfers out your balance into some foreign bank somewhere, you are at the mercy of the company to get your money back. This could also mean that if money randomly dissipeared form your account (like what happened to some venmo users in 2016) you are again at the mercy of the company to get it back. And if the amount is big, i'm sure they will just take the hit, write you off as a customer and forget about it rather than solving the problem.
     
    Don't believe me? This has happened before:
    http://internet.gawker.com/what-happens-when-someone-hacks-your-venmo-and-steals-a-1688519665 
     
    2. Paypal, Venmo and Square are all not FDIC insured. 
     
    What is FDIC insurance? FDIC insurance is something that nearly all financial institutions in the United States have. This insurance guarantees that is said financial institution goes under, the depositors (you) will be guaranteed to lose ZERO money. So if your bank declares bankruptcy and you have $1000 there, you will still have a way to get all your money back.
     
    Paypal, Venmo and Square do not have this. If paypal goes under, the creditors (lenders to paypal) are allowed to seize the depositors (your) money to pay them off. Meaning if you had $1000 in paypal and suddenly they go out of business, they have the right to:
     
    Lock your account so you cannot withdrawal your money Use said money to pay off their creditors in the event of bankruptcy.   
    And do you really think paypal is going to give back the money out of the kindness of their hearts and NOT pay off their creditors? Of course not! If paypal was ever in a situation where they declared bankruptcy, you can bet your ass that they're gonna use your money to do it so the executives can get off Scott free because at the end of the day, they don't need to care about their customers at that point.
     
    What can you do about this:
     
    1. Connect your bank to these payment apps and only use them for bank-to-bank transfers.
     
    Yes this is slower, but if you are sending a large amount of money and venmo goes under, there is no money for creditors to seize since it has moved between two banks. The sending and receiving banks are also required to provide consumer protections if your account is ever overdrawn, saving you in case your payment account is hacked.
     
    Even better, connect your debit card to these accounts and send/receive money through a debit card instead. This way you will also be protected by visa/MasterCard.
     
    2. If you receive money from someone, move it as fast as you can into your bank.
     
    This way there will be no money in your account to begin with.
     
    Me personally I am an ebay seller and have a paypal business account. Thus I have a feature called "auto sweep" where paypal automatically transfers the money in my account into my bank every day from my ebay sales. This can only be done on business accounts, which you can only get by pushing at least $5000 in sales through paypal so this won't apply to everyone.
     
    The Sole exception to everything I just said is google pay. What makes google pay different is their funds are FDIC insured, thus they have all the protections as a bank. So feel free to keep a balance there.
     
    This post was prompted by a relative who just had $300 stolen from their paypal balance. She got her money back, but it was a whole day of calling paypal (which isn't known for good customer service). Not she will just use her debit card everywhere.
  13. Agree
    CUDAcores89 got a reaction from captain_to_fire for a status update,   If you want a good quality printer, get a plain old black and white laser printer.   
     
    If you want a good quality printer, get a plain old black and white laser printer. They have come down in price significantly over the years.
     
    When I was in college last year, I used a basic brother HL-L2320D laser printer. I still have that printer to this day, and it works great. 
     
    I got it in sale on best buys website (of all places) for $60.
     
    It doesn't have wireless, you have to plug in a USB cable. That just means it works every single time .
     
    It came with a toner cartridge in the box good for 3000 pages. I have yet to use up that toner cartridge.
     
    I specifically looked for a model with cheap 3rd party toner cartridges. Cartridges for the brother series of printers is VERY cheap. I can get 4 toner cartridges for 25 bucks on eBay and each cartridge will do 2500 pages on it's own.
     
    https://www.ebay.com/sch/i.html?_from=R40&_trksid=m570.l1313&_nkw=hl-l2320d+toner+4pk&_sacat=0&LH_TitleDesc=0&_sop=15&_odkw=hl-l2320d+toner&LH_BIN=1
     
     
    My roommate wondered "why do you have a huge printer"? Meanwhile his inkjet printer had broken down on him at least once and he had to buy a new pack of ink cartridges at least once during the year.
     
    Inkjet printers typically cost $60-80 even at the low end, and the ink costs as much as the printer. While he had spent $200 to print out the same black and white essays I was printing out, I spent far less than he did.
     
    If you are going to college soon and need to do a lot of printing, it will save you SOOO much time to not have to run back to the library just to print something stupid.
     
     Also I do recommend brother for printers.They are the least likely to significantly up-sell you on the new toner like HP or Samsung. They also have very cheap toner cartridges as you can see.
  14. Like
    CUDAcores89 got a reaction from DrMacintosh for a status update, Just as a word of warning...   NEVER keep ANY money in your balance of what are calle   
    Just as a word of warning...
     
    NEVER keep ANY money in your balance of what are called "money transmitter" services like Paypal, Venmo, square cash or many of these "digital payment" apps. 
     
    The reasons are two-fold:
     
    1. You will not earn Interest on your money.
     
    This one is not that big of a deal since interest rates are very low right now, like 2% at best, but 2% is better than zero.
     
    2. They are not subject to the same fraud protections that banks are:
     
    Under US federal law there are certain protections all US citizens have as bank account holders, where if money is fraudulently withdrawn from your bank you have a specific number of days to report it AND your liability is capped at a maximum dollar amount. Meaning if someone withdrawals say $1000 from your bank to some place in Turkey and you see it the next day, the bank has to (legally speaking) refund you. 
     
    Paypal, Vanmo and Square cash are not subject to these regulations. This means if say someone get's ahold if your paypal account and transfers out your balance into some foreign bank somewhere, you are at the mercy of the company to get your money back. This could also mean that if money randomly dissipeared form your account (like what happened to some venmo users in 2016) you are again at the mercy of the company to get it back. And if the amount is big, i'm sure they will just take the hit, write you off as a customer and forget about it rather than solving the problem.
     
    Don't believe me? This has happened before:
    http://internet.gawker.com/what-happens-when-someone-hacks-your-venmo-and-steals-a-1688519665 
     
    2. Paypal, Venmo and Square are all not FDIC insured. 
     
    What is FDIC insurance? FDIC insurance is something that nearly all financial institutions in the United States have. This insurance guarantees that is said financial institution goes under, the depositors (you) will be guaranteed to lose ZERO money. So if your bank declares bankruptcy and you have $1000 there, you will still have a way to get all your money back.
     
    Paypal, Venmo and Square do not have this. If paypal goes under, the creditors (lenders to paypal) are allowed to seize the depositors (your) money to pay them off. Meaning if you had $1000 in paypal and suddenly they go out of business, they have the right to:
     
    Lock your account so you cannot withdrawal your money Use said money to pay off their creditors in the event of bankruptcy.   
    And do you really think paypal is going to give back the money out of the kindness of their hearts and NOT pay off their creditors? Of course not! If paypal was ever in a situation where they declared bankruptcy, you can bet your ass that they're gonna use your money to do it so the executives can get off Scott free because at the end of the day, they don't need to care about their customers at that point.
     
    What can you do about this:
     
    1. Connect your bank to these payment apps and only use them for bank-to-bank transfers.
     
    Yes this is slower, but if you are sending a large amount of money and venmo goes under, there is no money for creditors to seize since it has moved between two banks. The sending and receiving banks are also required to provide consumer protections if your account is ever overdrawn, saving you in case your payment account is hacked.
     
    Even better, connect your debit card to these accounts and send/receive money through a debit card instead. This way you will also be protected by visa/MasterCard.
     
    2. If you receive money from someone, move it as fast as you can into your bank.
     
    This way there will be no money in your account to begin with.
     
    Me personally I am an ebay seller and have a paypal business account. Thus I have a feature called "auto sweep" where paypal automatically transfers the money in my account into my bank every day from my ebay sales. This can only be done on business accounts, which you can only get by pushing at least $5000 in sales through paypal so this won't apply to everyone.
     
    The Sole exception to everything I just said is google pay. What makes google pay different is their funds are FDIC insured, thus they have all the protections as a bank. So feel free to keep a balance there.
     
    This post was prompted by a relative who just had $300 stolen from their paypal balance. She got her money back, but it was a whole day of calling paypal (which isn't known for good customer service). Not she will just use her debit card everywhere.
  15. Like
    CUDAcores89 got a reaction from 8uhbbhu8 for a status update, If you are watching a youtube video and want to injust the information faster, just s   
    If you are watching a youtube video and want to injust the information faster, just speed it up to 1.25-1.5X.
     
    Lifehack?
  16. Like
    CUDAcores89 got a reaction from DrMacintosh for a status update, Just as a word of warning...   NEVER keep ANY money in your balance of what are calle   
    Just as a word of warning...
     
    NEVER keep ANY money in your balance of what are called "money transmitter" services like Paypal, Venmo, square cash or many of these "digital payment" apps. 
     
    The reasons are two-fold:
     
    1. You will not earn Interest on your money.
     
    This one is not that big of a deal since interest rates are very low right now, like 2% at best, but 2% is better than zero.
     
    2. They are not subject to the same fraud protections that banks are:
     
    Under US federal law there are certain protections all US citizens have as bank account holders, where if money is fraudulently withdrawn from your bank you have a specific number of days to report it AND your liability is capped at a maximum dollar amount. Meaning if someone withdrawals say $1000 from your bank to some place in Turkey and you see it the next day, the bank has to (legally speaking) refund you. 
     
    Paypal, Vanmo and Square cash are not subject to these regulations. This means if say someone get's ahold if your paypal account and transfers out your balance into some foreign bank somewhere, you are at the mercy of the company to get your money back. This could also mean that if money randomly dissipeared form your account (like what happened to some venmo users in 2016) you are again at the mercy of the company to get it back. And if the amount is big, i'm sure they will just take the hit, write you off as a customer and forget about it rather than solving the problem.
     
    Don't believe me? This has happened before:
    http://internet.gawker.com/what-happens-when-someone-hacks-your-venmo-and-steals-a-1688519665 
     
    2. Paypal, Venmo and Square are all not FDIC insured. 
     
    What is FDIC insurance? FDIC insurance is something that nearly all financial institutions in the United States have. This insurance guarantees that is said financial institution goes under, the depositors (you) will be guaranteed to lose ZERO money. So if your bank declares bankruptcy and you have $1000 there, you will still have a way to get all your money back.
     
    Paypal, Venmo and Square do not have this. If paypal goes under, the creditors (lenders to paypal) are allowed to seize the depositors (your) money to pay them off. Meaning if you had $1000 in paypal and suddenly they go out of business, they have the right to:
     
    Lock your account so you cannot withdrawal your money Use said money to pay off their creditors in the event of bankruptcy.   
    And do you really think paypal is going to give back the money out of the kindness of their hearts and NOT pay off their creditors? Of course not! If paypal was ever in a situation where they declared bankruptcy, you can bet your ass that they're gonna use your money to do it so the executives can get off Scott free because at the end of the day, they don't need to care about their customers at that point.
     
    What can you do about this:
     
    1. Connect your bank to these payment apps and only use them for bank-to-bank transfers.
     
    Yes this is slower, but if you are sending a large amount of money and venmo goes under, there is no money for creditors to seize since it has moved between two banks. The sending and receiving banks are also required to provide consumer protections if your account is ever overdrawn, saving you in case your payment account is hacked.
     
    Even better, connect your debit card to these accounts and send/receive money through a debit card instead. This way you will also be protected by visa/MasterCard.
     
    2. If you receive money from someone, move it as fast as you can into your bank.
     
    This way there will be no money in your account to begin with.
     
    Me personally I am an ebay seller and have a paypal business account. Thus I have a feature called "auto sweep" where paypal automatically transfers the money in my account into my bank every day from my ebay sales. This can only be done on business accounts, which you can only get by pushing at least $5000 in sales through paypal so this won't apply to everyone.
     
    The Sole exception to everything I just said is google pay. What makes google pay different is their funds are FDIC insured, thus they have all the protections as a bank. So feel free to keep a balance there.
     
    This post was prompted by a relative who just had $300 stolen from their paypal balance. She got her money back, but it was a whole day of calling paypal (which isn't known for good customer service). Not she will just use her debit card everywhere.
  17. Funny
    CUDAcores89 got a reaction from givingtnt for a status update, Eat batteries   
    Eat batteries
  18. Funny
    CUDAcores89 got a reaction from kelvinhall05 for a status update, The internet says hentai is great. Yes, I know what hentai is supposed to be.   goes   
    The internet says hentai is great. Yes, I know what hentai is supposed to be.
     
    goes to reddit.com/r/hentai
     
    Why do they look like 5 year olds with huge tits and ass?
     
    Why do some of them have a penis?
     
    Why do some of them clearly look like they are being raped?
     
    This is what you people get off to?
     
    I would have to jerk it a lot more to even come close to being turned on by the stuff in that subreddit.
     
    Decades ago people thought online porn is nasty. They have no idea how bad it cold get....
     
    Don't get me wrong after a few minutes of scrolling I see something I like, but the rest of it, 
     

     
    I don't even want to look at the furries subreddit...
     
     
  19. Funny
    CUDAcores89 got a reaction from givingtnt for a status update, Eat batteries   
    Eat batteries
  20. Funny
    CUDAcores89 got a reaction from givingtnt for a status update, Eat batteries   
    Eat batteries
  21. Funny
    CUDAcores89 got a reaction from kelvinhall05 for a status update, The internet says hentai is great. Yes, I know what hentai is supposed to be.   goes   
    The internet says hentai is great. Yes, I know what hentai is supposed to be.
     
    goes to reddit.com/r/hentai
     
    Why do they look like 5 year olds with huge tits and ass?
     
    Why do some of them have a penis?
     
    Why do some of them clearly look like they are being raped?
     
    This is what you people get off to?
     
    I would have to jerk it a lot more to even come close to being turned on by the stuff in that subreddit.
     
    Decades ago people thought online porn is nasty. They have no idea how bad it cold get....
     
    Don't get me wrong after a few minutes of scrolling I see something I like, but the rest of it, 
     

     
    I don't even want to look at the furries subreddit...
     
     
  22. Funny
    CUDAcores89 got a reaction from kelvinhall05 for a status update, The internet says hentai is great. Yes, I know what hentai is supposed to be.   goes   
    The internet says hentai is great. Yes, I know what hentai is supposed to be.
     
    goes to reddit.com/r/hentai
     
    Why do they look like 5 year olds with huge tits and ass?
     
    Why do some of them have a penis?
     
    Why do some of them clearly look like they are being raped?
     
    This is what you people get off to?
     
    I would have to jerk it a lot more to even come close to being turned on by the stuff in that subreddit.
     
    Decades ago people thought online porn is nasty. They have no idea how bad it cold get....
     
    Don't get me wrong after a few minutes of scrolling I see something I like, but the rest of it, 
     

     
    I don't even want to look at the furries subreddit...
     
     
  23. Funny
    CUDAcores89 got a reaction from kelvinhall05 for a status update, The internet says hentai is great. Yes, I know what hentai is supposed to be.   goes   
    The internet says hentai is great. Yes, I know what hentai is supposed to be.
     
    goes to reddit.com/r/hentai
     
    Why do they look like 5 year olds with huge tits and ass?
     
    Why do some of them have a penis?
     
    Why do some of them clearly look like they are being raped?
     
    This is what you people get off to?
     
    I would have to jerk it a lot more to even come close to being turned on by the stuff in that subreddit.
     
    Decades ago people thought online porn is nasty. They have no idea how bad it cold get....
     
    Don't get me wrong after a few minutes of scrolling I see something I like, but the rest of it, 
     

     
    I don't even want to look at the furries subreddit...
     
     
  24. Funny
    CUDAcores89 got a reaction from givingtnt for a status update, Eat batteries   
    Eat batteries
  25. Informative
    CUDAcores89 got a reaction from TopHatProductions115 for a status update, Dude, the powers out.   The only reason I can post this is because our modem and rout   
    Dude, the powers out.
     
    The only reason I can post this is because our modem and router are backed up by two giant deep cycle batteries that I installed one day to build a custom continuous power UPS, so we at least have internet for a couple of days. 
     
    Sometimes I think the internet is more important that the power. The power is only the means to an end.
     
    My desktop I am currently typing this on is backed up by an A123 systems Lifepo4 battery pack I custom made and hacked into a cyberpower UPS. It keeps saying I have "30 minutes left" for the last 20 minutes so far. As long as I stock to browsing the web and youtube videos, I have maybe 1/2 an hour left. 
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