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IntMD

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  1. Agree
    IntMD got a reaction from Mark Kaine in Help from the community RTX 3080 Fraud   
    Have they said they are not going to refund you then, or is it just that the funds aren't in your account yet? You didn't actually mention them not refunding you specifically in your original post, just that you can get it back from the CC company, so I just thought the refund was likely on the standard few days to go back in to your account type thing that normally occurs.
     
    Also, on your previous reply to my other post, you clearly didn't read what I said, so...
  2. Agree
    IntMD got a reaction from LogicalDrm in Help from the community RTX 3080 Fraud   
    What exactly is the fraud? I take it they have refunded you?
     
    I know Overclockers UK have been having problems getting 3080s in particular, but are still honouring the preorders that were taken before they were closed (far too late, in all honesty as for certain cards, they still haven't got release day orders complete yet). They've also stated that 3080s are in particularly short supply with few delivery dates coming up for any of them over the next month or so, particularly with Chinese New Year and the usual factory shut downs and delays that causes every year.
     
    I can understand why a company would have pulled them and refunded, if they literally cannot get them, which is the take I'm getting from your long post. I can also understand why you are pissed, but it's not really fraud if they refund you due to being unable to fulfill your order. Now, if they had cancelled orders, then had them for immediate delivery at the higher price, sure.
  3. Agree
    IntMD got a reaction from Arika S in Help from the community RTX 3080 Fraud   
    What exactly is the fraud? I take it they have refunded you?
     
    I know Overclockers UK have been having problems getting 3080s in particular, but are still honouring the preorders that were taken before they were closed (far too late, in all honesty as for certain cards, they still haven't got release day orders complete yet). They've also stated that 3080s are in particularly short supply with few delivery dates coming up for any of them over the next month or so, particularly with Chinese New Year and the usual factory shut downs and delays that causes every year.
     
    I can understand why a company would have pulled them and refunded, if they literally cannot get them, which is the take I'm getting from your long post. I can also understand why you are pissed, but it's not really fraud if they refund you due to being unable to fulfill your order. Now, if they had cancelled orders, then had them for immediate delivery at the higher price, sure.
  4. Informative
    IntMD got a reaction from BuckGup in How Does Online Banking Work   
    Ok, so this is basically super simplified, but...
     
    How is money handled with online banking? - Same way as with normal banking, the entries (debit or credit) to an account are on your own accounts ledger. 
     
    What determines you have $20,000 in your bank account and what do banks use to determine that the money is actually real?  - Not quite sure what you are getting at here, but again, the ledger of your account determines what you currently have in there.
     
    I'd assume it's a private ledger shared between banks that use the ACH but how to they know each transaction is real? - There are normallly funds held on deposit in the central bank of whichever country. The transactions are totaled and settled between the banks. Basically Bank A would say, I've sent you X amount to your bank and received Y amount from your bank, the net amount owing is Z. Then the funds difference would be settled. If they don't add up between the banks, then they'd have to look in to it, or I imagine if it's only a smaller amount that isnt worth looking in to, write it off the difference to the banks profit and loss sheet.
     
    Do they use POW or POS? - Take it you are meaning proof of work here, like blockchain stuff? They may do something along these lines these days, I know a lot of banks have been looking in to it, but they didn't when I was working in one 7 or 8 years ago. A lot of banks have super old legacy systems held together with tape, so can't imagine changing basically everything it to blockchain stuff would be easy.
     
    Is there a limit to what a bank could fill your account with like a hard limiter?  - No, but depending on your account history, something unusual would normally (and should) be flagged for someone to look at as part of anti money laundering legislation - Think HSBC getting fined a fuckton in the US for laundering some money for cartels etc.
     
     
    What backs credit cards? If I spend $20,000 all on credit and never pay it back who originally had the money? This will probably depend on your country, but where I'm from, they are essentially an unsecured loan up to X amount on money. As to who originally had the money, likely nobody. Banks usually only hold 10-20% of the actual money they are 'using' at any given point, the rest it sort of created out of nowhere as needed (this is a very simplified statement). If however, you fail to pay it back, and the bank can't get the funds back from you and have to write it off, it would essentially be written off against actual money that the bank held as it would come on to the banks overall profit & loss statements or if the credit card was underwritten, from whichever company was the underwriter. 
     
     
    What stops a bank from simply giving itself money? - They essentially do when they hand out loans and mortgages. Giving themselves specific money from nowhere? They'd likely get slapped around by financial ombudsmen, auditors, shareholders and likely the police/fraud investigators depending on the context of what it was to do with. Basically, nobody wants a bank to become an Enron.
     
    What's used to verify a transaction is real? - In general, whatever is on the ledger, it is on the ledger and to verify, it was depending on the type of debit or credit.
     
    For Swift payments, there are essentially checksums verifying the original payment instructions along with a unique identifier for each payment.
     
    For cheques (at least where I worked) ones over certain values were checked to an increasing extent depending on that value, including callbacks to the customer to verifiy all of the details (payee, amount etc.). Low value cheques were checked less often and to a much lesser extent. There was also an automatic system in place to flag up any unusual cheques (out of order usage, from a new chequebook and other things etc.) and these were checked in more depth.
     
    For point of sale transactions (using your card in a shop for example) basically the system connects to their bank in an encrypted way, saying 'I've got this sale for this amount, and for this card number, is it ok?'. The banks system then will connect to the cardholders bank and go 'We've got this, they got enough money? Is the card blocked? etc.' They will then reply authorised/not authorised, and it follows its way back through the chain to the terminal you are using - it's basically the same deal for online shopping too.
     
    As a customer, if you aren't sure that something is correct, or is generally flat out wrong in your account, the bank can look it to things further and provide more details. Copy of the payment instruction/message (which would have the senders name and where funds originated from and are going to), copy of the cheque, copy of the sales receipt etc.
  5. Agree
    IntMD reacted to Caroline in AMD radeon drivers f**king suck   
    What is this then? I literally clicked the link then my OS and voilà

  6. Agree
    IntMD got a reaction from PeachGr in Is it possible that my gaming experience got much smoother when switching to a system with a much faster processor and worse graphics card?   
    Depends on the game, and if previously you were particularly cpu bottlenecked then it's likely your frame time consistancy could be better now, which might appear as a smoother experience.
  7. Agree
    IntMD reacted to tech.guru in Bigger moment in Apple’s history   
    For all the haters of Microsoft people forget bill gates saved apple from bankruptcy with an investmentof 150m. if i had to choose between only the two options you mention... considering the smart phone industry is around trillions of dollars, and gave the capital to apple to invest and R&D there own M1 silicon obviously iphone
     
    However, none of this would be possible without Bill gates saving the company. I would argue it wasnt an invention that was important it was the time when apple decided to partner with microsoft and bill gates to avoid bankruptcy that put apple on the path and the start of greatness.
     
    Bill gates helped make apple what it is today.
  8. Agree
    IntMD got a reaction from Lord Nicoll in Experience with ocuk   
    Shockingly, on Cyber Monday & Black Friday, their warehouse is going to be super busy... Strange that, I know. They are usually fine to deal with (personally never had a problem, however, sometimes people do, like anyhwere, and I tend to avoid getting stuff from them as they are often more expensive than other places these days), however, they will have been rediculously busy last week & this week.
     
    Just an FYI next day delivery is only the delivery from when it's dispatched through DPD, not from the day you ordered it necessarily, just so you know.
     
    Also, what has probably been taking precidence in their warehouse have been clearing the backlog of orders for the AMD 5K series CPUs as I saw a load of them had come in Friday onwards from looking at their forum, and probably some Nvidia 3k GPUs, to clear some of the people who had actually been waiting for their products for quite a while. In other words, yes, there are probably people higher than you in the order queue.
     
     
  9. Like
    IntMD got a reaction from leadeater in Trudeau government promises to connect 98% of Canadians to high-speed internet by 2026   
    Went to Taupo in 2008 for a couple of nights on KiwiEx. Stayed at the Base backpackers, went to Finns & what appears to be called Mulligans (although can't remember if it was still called that back then) and went to the Spa. Nice place.
     
     
  10. Agree
    IntMD got a reaction from sub68 in Dear LTT, wtf are these subtitles   
    Autogenerated youtube ones...
  11. Agree
    IntMD got a reaction from Akuma56435 in Dear LTT, wtf are these subtitles   
    Autogenerated youtube ones...
  12. Agree
    IntMD got a reaction from Devilish in Dear LTT, wtf are these subtitles   
    Autogenerated youtube ones...
  13. Agree
    IntMD got a reaction from spartaman64 in Dear LTT, wtf are these subtitles   
    Autogenerated youtube ones...
  14. Agree
    IntMD got a reaction from Mateyyy in Dear LTT, wtf are these subtitles   
    Autogenerated youtube ones...
  15. Agree
    IntMD got a reaction from Haro in Dear LTT, wtf are these subtitles   
    Autogenerated youtube ones...
  16. Agree
    IntMD got a reaction from TVwazhere in Dear LTT, wtf are these subtitles   
    Autogenerated youtube ones...
  17. Agree
    IntMD got a reaction from Dissitesuxba11s in Dear LTT, wtf are these subtitles   
    Autogenerated youtube ones...
  18. Agree
    IntMD got a reaction from AbydosOne in Dear LTT, wtf are these subtitles   
    Autogenerated youtube ones...
  19. Agree
    IntMD got a reaction from WaggishOhio383 in Dear LTT, wtf are these subtitles   
    Autogenerated youtube ones...
  20. Agree
    IntMD got a reaction from Ash_Kechummm in Amazon court argument : you do not own your Prime Video purchases ; what is bought is an on-demand viewing licence   
    This is one of several reasons why I just stream video stuff from less than legitimate sources. That, and signing up for prime where I currently live would make packages arrive precisely zero days faster 99% of the time.
  21. Agree
    IntMD reacted to LogicalDrm in tell store not shipping or answering mail   
    Usually not. They have actual employees handling that stuff. I personally don't like that we have to even use forums for dog whistling them like this.
  22. Like
    IntMD got a reaction from Matt1632 in What were your first specs?   
    1st Actual PC...
     
    Pentium 133Mhz
    16mb RAM
    1.5GB HDD
    Windows 95
    15" CRT
     
    Looked exactly the same as this, down to the triple CD changer in there.
     

  23. Like
    IntMD got a reaction from Teddy07 in What were your first specs?   
    1st Actual PC...
     
    Pentium 133Mhz
    16mb RAM
    1.5GB HDD
    Windows 95
    15" CRT
     
    Looked exactly the same as this, down to the triple CD changer in there.
     

  24. Agree
    IntMD reacted to Aereldor in New mouse time...   
    Ergonomics is your highest priority? MX Master 3, no question about it. I can't even think of a competing product. 
  25. Like
    IntMD got a reaction from thechinchinsong in Theres life Jim but not as we know it - There's a real chance that life exists on Venus   
    While I enjoy the lack of /s, the scientists have only said it could be a possibility and for people to check for other stuff they may have missed.
     
    A lot of people in here don't seem to understand that they aren't saying it can only be life. What they are saying is, we have eliminated everything we can feasably do and think of, check our data and tell us what you think as there may be something else that we have missed.
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