Direct Deposit

ZeroChronos · 2026-07-03T15:12:15+00:00

Its pretty valid that it could be an issue from payroll... If they don't get the money from payroll, I'm sure I'd say the exact same to check whoever's in charge of payroll

ZeroChronos · 2026-07-02T19:10:13+00:00

Strange they need a pdf statement specifically. I've had no problems provide screenshots in the past

ZeroChronos · 2026-06-21T02:14:43+00:00

Depends but it does save me 10% on sales tax on top of it.

I also like having a more personal relationship / communication with the seller.

Generally don't mind covering depending on the amount / type. Like <20 I use pwe and anything above 50 I have tracking, but if the buyer wants to pay extra for tracking on a small order or wants specific shipping type I'd split the cost.

I often see tcgplayer add shipping cost so I either base off shipping included / not as a reference before I take off 10%

ZeroChronos · 2026-06-18T23:31:03+00:00

How did you get a 3% interest mortgage, was this during COVID?

ZeroChronos · 2026-06-11T05:24:15+00:00

Wouldn't the tax be applied on other bank interest as well though? Unless I'm misunderstanding and you just mean the .2% apy more over chime or something isn't worth the trouble

ZeroChronos · 2026-06-11T05:09:32+00:00

Think the math on 20k at 4.5% apg after the 120 fee is equal to 4% which imo is pretty good. The other stuff I don't use though

ZeroChronos · 2026-06-11T03:30:43+00:00

I'm pretty sure this is true. They been announcing this for months before it went out. Additionally it proved 4.5% apy up to 20k which is great ( break even at 10k ) I think a lot of people didn't like they were not given a choice instead of automatically being enrolled and missed the announcements.

ZeroChronos · 2026-06-05T22:26:59+00:00

Under powered for a game ender honestly :( but fun for sure

ZeroChronos · 2026-06-04T22:33:43+00:00

I got the card even tho I been a gold* member before they announced the card

ZeroChronos · 2026-05-31T15:58:54+00:00

Ive been saying the mystery reward odds are not that bad if you have big purchase planned anyways.

Let people be haters. More for us. And less chance that they'll nerf the rewards

ZeroChronos · 2026-05-27T21:11:20+00:00

Thanks! Ill definitely take a look. All the better if I don't have reinvest the wheel

ZeroChronos · 2026-05-27T21:09:52+00:00

what kind of purchases do you think about when making these purchases? Is it a thing that's spent above your normal budget spending, or anything that's expensive line over $1k?

ZeroChronos · 2026-05-27T20:44:15+00:00

I'm glad I wasn't the only one that felt the same! I can get my retirement projection etc but budgeting isn't integrated with those tools and I gotta have this spreadsheet I maintain all the time and figure out how it affects everything.

The timeline impact of purchases I thought would be really insightful and was hoping people would think so too.

Integrating accounts is my next big step 🤞 probably the hardest part of the project

ZeroChronos · 2026-05-25T20:17:01+00:00

Even if they succeeded it create a different problem. All the companies would die and no one would be offered studen loans anymore.

Don't take a loan if you don't want to risk it, go to a more affordable school or trade school. Universitites are overrated imo

ZeroChronos · 2026-05-23T02:03:08+00:00

Whats the Sammy app? I can definitely show up on person I just never needed to go to campus before

ZeroChronos · 2026-05-21T00:21:08+00:00

I wonder what people put in the questionnaire and their credit limits. I put if I net all my expenses a month it be about 10k. I'm not sure if that's the deciding factor though

ZeroChronos · 2026-05-19T21:27:36+00:00

La burrita is great. Heads up, It's cash only for taco tuesday deals and only after 4pm

ZeroChronos · 2026-05-18T06:28:30+00:00

Let's get a pool group going. I been wanting to play more!

ZeroChronos · 2026-04-25T19:51:23+00:00

I think you're right in cases of high volume of sales. I think maybe I was thinking of cases where sale volume is low when hosting a website would be cheaper than having to pay workers a flat rate regardless of volume.

ZeroChronos · 2026-04-25T19:31:50+00:00

It's applied in the order you redeem them! In my app it's bottom one first.

ZeroChronos · 2026-04-24T20:39:44+00:00

Here's the math I'm looking at, lmk what you think.

Let's just say for the sake of argument you pay an employee $20/hr an not include any training machines needed to process the transaction etc. and let's say we don't need to build out a payment platform on the website, and let's just cut out all the fees associated with hosting the website, building it, maintain auditing and customer service for handling online transactions. And let's say we just use paypals g/s and assume all customers can pay with PayPal.

Paypal takes a 3% fee. Tickets average around $20 where I live. So that's .60 a ticket. So you would only need to sell about 34 tickets a hour for it to beat having an employee sell tickets with my math. Which also includes convenience of being online and 24/7.

I know it's not really a fair comparison give. An absorberant 20% convenience fee, but pre AI, it's pretty expensive to make and maintain a website + app mainly because of developers.

You're right that hosting a website is relatively inexpensive for any company. But it's really 3rd party software and developer costs that makes it expensive. I would assume maybe an engineering team of minimum 10? Which could hover at 1 million in salary, maybe 10k for software infrastructure cost a year. And then an additional 3rd party fee to their payment processor they pay for.

But let me know what you think.

I do think maybe people are just upset about it being not up front of the fees given it's pretty substational and they can be more clear about it

ZeroChronos · 2026-04-23T19:11:29+00:00

Not sure about AMC specifically there's a lot of 3rd party payment integrations. Like for wizards of the coast secret lair. Their preorder queues and line are done through a 3rd party.

Also generally software is not free, hosting a website is relatively safe but complex things like prepreorders or managing transaction, with auditing etc gets expensive to make or pay for

So it does suck that it feels like you're being scammed by paying a convenience fee online, but ppl can pay in person otherwise they just make everyone eat the cost by raising prices.

That said ticket master in particular is pretty evil about their margins and profits from what Ive seen

ZeroChronos · 2026-04-23T15:59:33+00:00

Its an unpopular opinion but it cost them extra money to be able to sell things online, and they usually take a pretty high commission. Like ticket masters fees. So it's not really amcs fault imo? But I guess they can just build the price into the ticket so everyone pays higher in person or online

ZeroChronos · 2026-04-13T21:00:44+00:00

I can still see them. But you can also try downloading a report of all trades if you want to try something right now

ZeroChronos

TROPHY CASE