Random Thoughts.....What Are You Thinking?

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Random Thoughts.....What are you thinking?
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By 2016-05-08 17:12:01
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By 2016-05-08 17:18:23
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 Ragnarok.Hevans
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By Ragnarok.Hevans 2016-05-08 17:18:53
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debit card limits should be for cash withdrawls only. you should still be able to make purchases of any amount as long as you have the funds.
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By Bloodrose 2016-05-08 17:21:07
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Ragnarok.Hevans said: »
debit card limits should be for cash withdrawls only. you should still be able to make purchases of any amount as long as you have the funds.
So much this ^

My daily withdrawal limit is about 100 dollars, and weekly withdrawal is 500. (I set those limits myself, but I can use my bank card as much as I want as long as the funds are there)

But it's also a TDCanada Trust/Visa card chip card.
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By Anna Ruthven 2016-05-08 17:21:57
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Asura.Floppyseconds said: »
Anna Ruthven said: »
Gun I want is like $1,100~ MSRP but there are online stores selling for $860~ problem is that I would require a license to receive it and, for some reason, my bank set debit card limits at $500 per day and won't let me opt out. I need to find a new bank. >.>

Just don't use a debit card. It is very silly to IMO.

Who is your bank?
Local bank. Old but local.

Asura.Schizm said: »
As far as the license, that can take up sometime to even fill the application to being approved, I probably would work on getting that done since it may take up to a month.
Having said license allows the ATF to come and search your home without the need for a warrant IIRC. Not worth it for just one uncommon gun.

Ragnarok.Hevans said: »
debit card limits should be for cash withdrawls only. you should still be able to make purchases of any amount as long as you have the funds.
Agreed.
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By Bloodrose 2016-05-08 17:22:46
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Asura.Schizm said: »
<(O.o)> That is unless you live in Texas...

It wouldn't surprise me if their gun license application looks like a photo booth that you would just stick a dollar in and out comes your gun license.

IF I remember what my friends down there said, they don't have a waiting law either, which is good if you wanted to get a gun and come home to shoot your cheating wife or something...
There are banks in Texas that GIVE you a gun without any kind of background checks, just for opening an account with them.

No Ammo though.
 
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By 2016-05-08 17:26:37
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By 2016-05-08 17:28:24
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 Asura.Kingnobody
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By Asura.Kingnobody 2016-05-08 17:29:45
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Ragnarok.Hevans said: »
debit card limits should be for cash withdrawls only. you should still be able to make purchases of any amount as long as you have the funds.
It depends on the account.

Nobody wants to know what my limit is >.>

But I'm still can't use it for any purchases over $10,000. By law (Bank Act of 1979) I can't make any withdrawals over $10,000 without a ***-ton of paperwork to fill out >.>
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By Asura.Kingnobody 2016-05-08 17:30:30
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Asura.Schizm said: »
Whoa....wat? What state do you live in?
Kojo lives in Hell Oklahoma. Which is as close to Hell as one can get.
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By Anna Ruthven 2016-05-08 17:31:00
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Asura.Schizm said: »
Anna Ruthven said: »

Asura.Schizm said: »
As far as the license, that can take up sometime to even fill the application to being approved, I probably would work on getting that done since it may take up to a month.
Having said license allows the ATF to come and search your home without the need for a warrant IIRC. Not worth it for just one uncommon gun.

Whoa....wat? What state do you live in?

I can understand with me living in Illinois having all these laws, but no one that I know of would just say hey, illegally owning a gun is no one's concern.

People do it quite frequently, that I do know but if I am transporting anything like a .45 Thompson, you better believe I'll be able to prove it's mine so I don't get sent to jail or have it taken away.

The Castle Doctrine doesn't work with cars....
Oklahoma, perhaps you've heard of us? We have The Worst US Governor™.
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By Jetackuu 2016-05-08 17:32:19
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Anna Ruthven said: »
Doesn't a retailer sell cheaper than MSRP? Manufacturer sells it to wholesaler for a lower price, they sell it to retailer at a slightly higher price who then sells it to the customer at a slightly higher price than they paid but still usually lower than MSRP, no?

MSRP is the price the "manufacturer" recommends it's sold at. For some things the cost for the retailer to buy it is a margin below that cost (varying per item). I'll give an example:

The 360 pro was what, $399.99 MSRP? If I recall correctly the at-cost value for retailers usually was about $379.99 for the console, meaning they made a whooping $20 on the console. Now the accessories were usually marked up to about %50+ above their cost like an composite cable would normally be like $9.99-14.99 and the cost would probably be like $3.49, in this case a much higher profit.

Now on some items (usually consumables that vendors bring in, say soda) will usually sell about the same price across the board, but the vendor may give discounts for having their products on sale, buying a certain quantity, etc. So they'd end up having a small or even at times negative margin up front but they'd get credits for the overall purchases, hence why they usually push the "buy 2 and save" special, as while they make more per individual sale they overall make more by selling more product.

tl;dr MSRP is usually higher than "at cost" and it's the price the manufacturer recommends you sell it at, you don't have to follow.
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By 2016-05-08 17:32:22
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By Jetackuu 2016-05-08 17:33:47
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Anna Ruthven said: »
Having said license allows the ATF to come and search your home without the need for a warrant IIRC. Not worth it for just one uncommon gun.

Just contact a local gun shop, they'll probably work with you for a fee to get it.

Don't get me started on the ATF...
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 Ragnarok.Hevans
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By Ragnarok.Hevans 2016-05-08 17:35:34
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i don't know why you'd want a limit unless you have an issue with impluse control. normally a withdraw limit is set based on your account history. how much money you have, any overdrafts, length of tenure, etc etc.

Asura.Kingnobody said: »
Nobody wants to know what my limit is >.>


thanks big ballin. i eye rolled so hard that now i have a headache.
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By Anna Ruthven 2016-05-08 17:37:24
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Bloodrose said: »
IF I remember what my friends down there said, they don't have a waiting law either, which is good if you wanted to get a gun and come home to shoot your cheating wife or something...
See, here's the thing; the guns I like are more the "cowboy" type of guns or guns that you wouldn't normally use for murder, not the "I have 47 rounds loaded up and I'm pissed off and have Mr. Small Pee-pee syndrome" guns. The laws are pretty black and white unless you buy a black powder gun which don't require an FFL or a background check.
 
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By Jetackuu 2016-05-08 17:38:49
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Well a withdraw limit is usually meant for fraud protection, and it's usually for the ATM.

It's best to not use your debit card online anyway, or really anything else other than at the bank, especially if that has basically all your money in it (likely if you're in a lower bracket).
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 Asura.Kingnobody
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By Asura.Kingnobody 2016-05-08 17:39:44
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Jetackuu said: »
Well a withdraw limit is usually meant for fraud protection, and it's usually for the ATM.
It also depends on the amount of money you usually spend on a daily basis and also your average account balance per day over a year.

The ceiling for that withdrawal limit is $10,000.
 
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By 2016-05-08 17:41:19
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By Anna Ruthven 2016-05-08 17:42:03
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Jetackuu said: »
Anna Ruthven said: »
Having said license allows the ATF to come and search your home without the need for a warrant IIRC. Not worth it for just one uncommon gun.

Just contact a local gun shop, they'll probably work with you for a fee to get it.

Don't get me started on the ATF...
I'm going in to a well trusted shop tomorrow and might have to see if they'll order one for me if it won't be too high. MSRP is $1,100 and that's what I have to work with, assuming the price will be lower than MSRP. Problem is that they aren't well sought after and are expensive so... I dunno. They could have lowered the price to try and move ones they have while still making a profit or they may only order them when requested.
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By Jetackuu 2016-05-08 17:42:53
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Anna Ruthven said: »
Bloodrose said: »
IF I remember what my friends down there said, they don't have a waiting law either, which is good if you wanted to get a gun and come home to shoot your cheating wife or something...
See, here's the thing; the guns I like are more the "cowboy" type of guns or guns that you wouldn't normally use for murder, not the "I have 47 rounds loaded up and I'm pissed off and have Mr. Small Pee-pee syndrome" guns. The laws are pretty black and white unless you buy a black powder gun which don't require an FFL or a background check.
So basically just have to deal with federal laws? Kinda the same here. One of the few perks of VA.

*** living in IL, CA, NY, MD, etc...
 
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By 2016-05-08 17:44:21
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By Anna Ruthven 2016-05-08 17:44:22
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Asura.Schizm said: »
license to own a gun.
I do not.

Asura.Schizm said: »
I think with the bank, you can talk to them to ok a larger purchase ahead of time.

But the limit of $500 does seem low.
My bank answers with a flat-out no. They also block transactions with online stores in certain states.
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By Jetackuu 2016-05-08 17:44:47
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Anna Ruthven said: »
Jetackuu said: »
Anna Ruthven said: »
Having said license allows the ATF to come and search your home without the need for a warrant IIRC. Not worth it for just one uncommon gun.

Just contact a local gun shop, they'll probably work with you for a fee to get it.

Don't get me started on the ATF...
I'm going in to a well trusted shop tomorrow and might have to see if they'll order one for me if it won't be too high. MSRP is $1,100 and that's what I have to work with, assuming the price will be lower than MSRP. Problem is that they aren't well sought after and are expensive so... I dunno. They could have lowered the price to try and move ones they have while still making a profit or they may only order them when requested.

Well you could always talk to them and see if you can have the gun transferred there for a fee, then contact the site and have them send it there. I bought a pistol online a few years ago and it had a selection of nearby licensed dealers it would send to you just picked one. Granted that doesn't solve the over your limit issue.
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By 2016-05-08 17:45:05
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By Jetackuu 2016-05-08 17:45:58
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Asura.Floppyseconds said: »
Your bank sucks
qft
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