[quote]Do you know what an ethnicity is? Do you know what a slur is? Do you know what a noun is? [/quote]
Yes to all three. I am confused as to why when I say Scotland can be rich the statement "I didn't know haggis was that popular an export" can be seen as anything other than implying that that would be *all* you would expect from the Scottish export market.
I'm pretty such haggis exports aren't that significant.
Reported as an ethnic slur.
I was talking about the oil of course. However even without the oil Scotland's GDP is per capita about the same as the rest of the UK, with the oil ( and removing it from the rUK) it's about 4K higher per person.
No, that's perfectly sound. They let the shark's flesh rot because raw it is poisonous. After a year, it becomes edible but reeks of ammonia.
Who the hell figured out that you can eat something that you've left rot for a year and smells like cat pee? I assume that only comes from a dare or desperation.
Who the hell figured out that you can eat something that you've left rot for a year and smells like cat pee? I assume that only comes from a dare or desperation.
The terminal upgrade is ALREADY required, and under way. The driving force behind it is the switch to chip cards. After October 2015, any merchant still using swipe cards will be liable for fraud loss - not the bank.
And these terminals will include NFC (many trade articles already confirm this).
That does NOT mean that you will be able to use ApplePay at all of them - that requires agreements, and software in the merchant system. But the terminals will be capable of supporting it - and that's the big cost.
I am not say you are wrong, since I do not know this industry that well, but I can tell you all my CC today do not have a chip and they all expire in 2017 or later,I got these cards just this year due to the Target issue. If what you say is correct then I would be SOL after 2015 or the merchant is SOL is they let me swipe verse NFC.
Also, I just recently saw local stores and some of the big box stores have update their terminals in the last few months and non of them has the NFC reader. Again why would store invest in terminals which do not have the NFC only to replace them in a years time. Does not make sense to me. I suspect something else it going on.
I got an email from my CC company and they said if I use APPLEPAY for the majority my future transaction I will not be liable for fraudulent transaction, what most people do not realize if someone uses your card and you do not report it lost of stolen, you could be liable for the first $500, personally I never seen a CC company do that, but every time it happen to us, they call us and told us that someone was using our card. The CC company has our buying patterns down to a science they usually catch it in the first few transactions and kill the card.
I am not say you are wrong, since I do not know this industry that well, but I can tell you all my CC today do not have a chip and they all expire in 2017 or later,I got these cards just this year due to the Target issue. If what you say is correct then I would be SOL after 2015 or the merchant is SOL is they let me swipe verse NFC.
Also, I just recently saw local stores and some of the big box stores have update their terminals in the last few months and non of them has the NFC reader. Again why would store invest in terminals which do not have the NFC only to replace them in a years time. Does not make sense to me. I suspect something else it going on.
I got an email from my CC company and they said if I use APPLEPAY for the majority my future transaction I will not be liable for fraudulent transaction, what most people do not realize if someone uses your card and you do not report it lost of stolen, you could be liable for the first $500, personally I never seen a CC company do that, but every time it happen to us, they call us and told us that someone was using our card. The CC company has our buying patterns down to a science they usually catch it in the first few transactions and kill the card.
Hi Maestro - the October 2015 date has been reported in a number of places but there hasn't been all that much public discussion about it. At least until the Target and HD breaches. But here's a link that explains a lot ...
"One key component in the EMV discussion is its accompanying liability shift. This liability shift means that those issuers and merchants using non-EMV compliant devices that choose to accept transactions made with EMV-compliant cards assume liability for any and all transactions that are found to be fraudulent. MasterCard defines the liability shift this way: The party, either the issuer or merchant, who does not support EMV, assumes liability for counterfeit card transactions. Understand that by issuer, the card companies do not mean themselves; the term refers instead to banks, credit unions, and any other financial institution issuing credit or debit cards."
So if merchants don't have EMV-compliant terminals - they're liable. If banks haven't reissued cards to be EMV-compliant - they're liable. A couple of my cards today have chips - most do not, even those with long "valid thru" dates. I expect those banks to replace the cards during the next twelve months - otherwise they'll be liable for any fraud. Note that I'm not saying that swipe cards and swipe terminals won't work after October 2015 - they will continue to work as they do today. But the stores and/or card issuers are liable for fraud and that will "encourage" most of them to upgrade. Not all, but most.
NFC is a different animal, and not directly related to the discussion above. Lots of the newer terminals have NFC capability but the stores might not have been using it. Just as Home Depot (I was at the local store just today) has terminals which include chip-card readers, but those aren't enabled. When I tried my chip card in it, the screen asked me to swipe the card. D'oh.
Some stores added very visible NFC/RFID readers for PayPass and its friends but many have it built-in but with no visible signage. Apparently the HD terminal supports it (the card I used doesn't have it) but there's no visible indication of that. If stores have replaced their terminals recently then I would expect those to be NFC-capable. Maybe the NFC isn't enabled, but the terminals are capable of supporting it. They just need to do whatever software thing is needed to activate it, if they wish.
And that's the point about the October 2015 shift. The liability shift is a huge risk so almost all companies will update their terminals and reissue cards by that time. The price difference between terminals with NFC and those without will be very small, so almost all merchants will have NFC-capable ones (the main cost is the terminal, and labor to change them all). Once the NFC hardware is present, working with Apple Pay is just back-office software (and legal agreements, of course). By moving now, Apple is able to ride along with the replacement wave (terminals).
If what you say is correct then I would be SOL after 2015 or the merchant is SOL is they let me swipe verse NFC.
p.s. some follow-up thoughts regarding RFID and NFC cards. These are not the same although they have some commonalities. There's a lot of detail at Wikipedia so look there if you're interested in gory detail.
The bottom line is that those that have been in the U.S. for some time, such as PayPass/payWave/ExpressPay are RFID cards that identify the card. These are EMV-compatible but there are transaction limits (amount, frequency, etc). One downside is that the card can be read at a distance of several feet (with suitable equipment) and the card info then put onto a swipe card. For this reason, I do not take such a card out of the house and use it only for online purchases.
There are others such as the "Oyster" card used in London for public transport that are "active" cards. These predate the current NFC standards but are good examples of how the two-way communication works. Oyster is a read-write system that keeps your current balance on the card, so it can work even when there's no network connection, such as a bus in a garage.
Hi Maestro - the October 2015 date has been reported in a number of places but there hasn't been all that much public discussion about it. At least until the Target and HD breaches. But here's a link that explains a lot ...
"One key component in the EMV discussion is its accompanying liability shift. This liability shift means that those issuers and merchants using non-EMV compliant devices that choose to accept transactions made with EMV-compliant cards assume liability for any and all transactions that are found to be fraudulent. MasterCard defines the liability shift this way: The party, either the issuer or merchant, who does not support EMV, assumes liability for counterfeit card transactions. Understand that by issuer, the card companies do not mean themselves; the term refers instead to banks, credit unions, and any other financial institution issuing credit or debit cards."
So if merchants don't have EMV-compliant terminals - they're liable. If banks haven't reissued cards to be EMV-compliant - they're liable. A couple of my cards today have chips - most do not, even those with long "valid thru" dates. I expect those banks to replace the cards during the next twelve months - otherwise they'll be liable for any fraud. Note that I'm not saying that swipe cards and swipe terminals won't work after October 2015 - they will continue to work as they do today. But the stores and/or card issuers are liable for fraud and that will "encourage" most of them to upgrade. Not all, but most.
NFC is a different animal, and not directly related to the discussion above. Lots of the newer terminals have NFC capability but the stores might not have been using it. Just as Home Depot (I was at the local store just today) has terminals which include chip-card readers, but those aren't enabled. When I tried my chip card in it, the screen asked me to swipe the card. D'oh.
Some stores added very visible NFC/RFID readers for PayPass and its friends but many have it built-in but with no visible signage. Apparently the HD terminal supports it (the card I used doesn't have it) but there's no visible indication of that. If stores have replaced their terminals recently then I would expect those to be NFC-capable. Maybe the NFC isn't enabled, but the terminals are capable of supporting it. They just need to do whatever software thing is needed to activate it, if they wish.
And that's the point about the October 2015 shift. The liability shift is a huge risk so almost all companies will update their terminals and reissue cards by that time. The price difference between terminals with NFC and those without will be very small, so almost all merchants will have NFC-capable ones (the main cost is the terminal, and labor to change them all). Once the NFC hardware is present, working with Apple Pay is just back-office software (and legal agreements, of course). By moving now, Apple is able to ride along with the replacement wave (terminals).
Thanks for the information, EMV stand for the 3 major CC issuers and sounds like some sort of standard they may up with will include NFC, form the sounds of it, it some sort of protocal they came up with to verify the transaction, it did not say it will not include the magnetic swipe. SO maybe the new Terminals I am seeing have the EMV, but they could have NFC/RFID, but and it hidden unlike most which I see that have the PayPass symbol on them which would tell me it ready to use. Apple in their announcement said to look for that symbol to know you can use Apple Pay.
If Merchants are not putting in POS with that symbol especially now something is wrong. Those Terminal are not cheap, I have friend who work for Verifon which makes those terminal and they cost a few Hundred $ due to all the security in them. Also the Target and HD breach were not a breach of the POS, they were breach of their IT systems sine the POS and their IT systems are linked and those companies were keeping records of every transaction include the all the information from the CC. with APPLEPAY the CC will be encrypted so the merchant will not be able to have any useful information about who you are and such. I believe this want EMV is about.
This is what happen when POS came out, merchant had to stop using the carbon paper CC transaction or they paid a 5% fee and were liability for loss if the CC company could prove the information was stolen from their location. I think the same thing is happen with EMV, they telling merchant they can not longer keep CC information on their systems and the new POS just tell their IT system the card is good and give them some sort of payment receipt they can bill against. The net POS probably does not share your CC information with them merchant anymore.
If you look at those lists, you'll notice that the countries that are at the top, and are very small, are also countries with a lot of oil. So that really doesn't count, as they are not normal economies. As far as lux and Licht go, both are subsidized by France to a certain extent and as their size is so very small, along with their tiny popularions that tourism is sufficient. They are also not comparable to Scotland.
If you look at those lists, you'll notice that the countries that are at the top, and are very small, are also countries with a lot of oil. So that really doesn't count, as they are not normal economies. As far as lux and Licht go, both are subsidized by France to a certain extent and as their size is so very small, along with their tiny popularions that tourism is sufficient. They are also not comparable to Scotland.
The charts say nothing about Scotland.
Not to mention Wales, Ireland, Iceland or Northern Ireland, none of which are exactly rolling in it.
So what’re the odds that the thing even goes through? Scottish independence, that is.
They say the No's have a slight lead, but it could go either way.
I think everyone in the UK should have had a vote, not just the Scots and their tartan haggises. It would be a shame if they were to vote Yes. I think it would be disastrous for Scotland.
I think everyone in the UK should have had a vote...
It’s not their right to determine, save by force.
Why not? We are all members of the United Kingdom and abide by its rules. If some of us wish to change those rules, it should be voted on by all of us.
Comments
I think it's Iceland that has some fish they salt and leave under the ground to rot for a year before eating at a festival.
(All that info could be wrong so I'll see if I can find more info.
No, that's perfectly sound. They let the shark's flesh rot because raw it is poisonous. After a year, it becomes edible but reeks of ammonia.
[/quote]
Yes to all three. I am confused as to why when I say Scotland can be rich the statement "I didn't know haggis was that popular an export" can be seen as anything other than implying that that would be *all* you would expect from the Scottish export market.
Pretty sure they export some though.
I'm pretty such haggis exports aren't that significant.
Reported as an ethnic slur.
I was talking about the oil of course. However even without the oil Scotland's GDP is per capita about the same as the rest of the UK, with the oil ( and removing it from the rUK) it's about 4K higher per person.
http://www.bbc.com/news/uk-scotland-24866266
You can have haggis served with whiskey poured on it. I guess you might end up with a slur then, ethnic or otherwise.
You can have haggis served with whiskey poured on it. I guess you might end up with a slur then, ethnic or otherwise.
You mean whisky? WhiskEy is Irish, as far as I know. If it's really whiskEy, you end up with a Celtic bastard!
Who the hell figured out that you can eat something that you've left rot for a year and smells like cat pee? I assume that only comes from a dare or desperation.
Who the hell figured out that you can eat something that you've left rot for a year and smells like cat pee? I assume that only comes from a dare or desperation.
I wonder, too. But, you know, indigenous food in Iceland is almost zilch. Nothing grows in such a hostile environment.
The terminal upgrade is ALREADY required, and under way. The driving force behind it is the switch to chip cards. After October 2015, any merchant still using swipe cards will be liable for fraud loss - not the bank.
And these terminals will include NFC (many trade articles already confirm this).
That does NOT mean that you will be able to use ApplePay at all of them - that requires agreements, and software in the merchant system. But the terminals will be capable of supporting it - and that's the big cost.
I am not say you are wrong, since I do not know this industry that well, but I can tell you all my CC today do not have a chip and they all expire in 2017 or later,I got these cards just this year due to the Target issue. If what you say is correct then I would be SOL after 2015 or the merchant is SOL is they let me swipe verse NFC.
Also, I just recently saw local stores and some of the big box stores have update their terminals in the last few months and non of them has the NFC reader. Again why would store invest in terminals which do not have the NFC only to replace them in a years time. Does not make sense to me. I suspect something else it going on.
I got an email from my CC company and they said if I use APPLEPAY for the majority my future transaction I will not be liable for fraudulent transaction, what most people do not realize if someone uses your card and you do not report it lost of stolen, you could be liable for the first $500, personally I never seen a CC company do that, but every time it happen to us, they call us and told us that someone was using our card. The CC company has our buying patterns down to a science they usually catch it in the first few transactions and kill the card.
I am not say you are wrong, since I do not know this industry that well, but I can tell you all my CC today do not have a chip and they all expire in 2017 or later,I got these cards just this year due to the Target issue. If what you say is correct then I would be SOL after 2015 or the merchant is SOL is they let me swipe verse NFC.
Also, I just recently saw local stores and some of the big box stores have update their terminals in the last few months and non of them has the NFC reader. Again why would store invest in terminals which do not have the NFC only to replace them in a years time. Does not make sense to me. I suspect something else it going on.
I got an email from my CC company and they said if I use APPLEPAY for the majority my future transaction I will not be liable for fraudulent transaction, what most people do not realize if someone uses your card and you do not report it lost of stolen, you could be liable for the first $500, personally I never seen a CC company do that, but every time it happen to us, they call us and told us that someone was using our card. The CC company has our buying patterns down to a science they usually catch it in the first few transactions and kill the card.
Hi Maestro - the October 2015 date has been reported in a number of places but there hasn't been all that much public discussion about it. At least until the Target and HD breaches. But here's a link that explains a lot ...
http://www.paymentsleader.com/will-retailers-be-ready-for-emv-by-oct-2015/
"One key component in the EMV discussion is its accompanying liability shift. This liability shift means that those issuers and merchants using non-EMV compliant devices that choose to accept transactions made with EMV-compliant cards assume liability for any and all transactions that are found to be fraudulent. MasterCard defines the liability shift this way: The party, either the issuer or merchant, who does not support EMV, assumes liability for counterfeit card transactions. Understand that by issuer, the card companies do not mean themselves; the term refers instead to banks, credit unions, and any other financial institution issuing credit or debit cards."
So if merchants don't have EMV-compliant terminals - they're liable. If banks haven't reissued cards to be EMV-compliant - they're liable. A couple of my cards today have chips - most do not, even those with long "valid thru" dates. I expect those banks to replace the cards during the next twelve months - otherwise they'll be liable for any fraud. Note that I'm not saying that swipe cards and swipe terminals won't work after October 2015 - they will continue to work as they do today. But the stores and/or card issuers are liable for fraud and that will "encourage" most of them to upgrade. Not all, but most.
NFC is a different animal, and not directly related to the discussion above. Lots of the newer terminals have NFC capability but the stores might not have been using it. Just as Home Depot (I was at the local store just today) has terminals which include chip-card readers, but those aren't enabled. When I tried my chip card in it, the screen asked me to swipe the card. D'oh.
Some stores added very visible NFC/RFID readers for PayPass and its friends but many have it built-in but with no visible signage. Apparently the HD terminal supports it (the card I used doesn't have it) but there's no visible indication of that. If stores have replaced their terminals recently then I would expect those to be NFC-capable. Maybe the NFC isn't enabled, but the terminals are capable of supporting it. They just need to do whatever software thing is needed to activate it, if they wish.
And that's the point about the October 2015 shift. The liability shift is a huge risk so almost all companies will update their terminals and reissue cards by that time. The price difference between terminals with NFC and those without will be very small, so almost all merchants will have NFC-capable ones (the main cost is the terminal, and labor to change them all). Once the NFC hardware is present, working with Apple Pay is just back-office software (and legal agreements, of course). By moving now, Apple is able to ride along with the replacement wave (terminals).
If what you say is correct then I would be SOL after 2015 or the merchant is SOL is they let me swipe verse NFC.
p.s. some follow-up thoughts regarding RFID and NFC cards. These are not the same although they have some commonalities. There's a lot of detail at Wikipedia so look there if you're interested in gory detail.
The bottom line is that those that have been in the U.S. for some time, such as PayPass/payWave/ExpressPay are RFID cards that identify the card. These are EMV-compatible but there are transaction limits (amount, frequency, etc). One downside is that the card can be read at a distance of several feet (with suitable equipment) and the card info then put onto a swipe card. For this reason, I do not take such a card out of the house and use it only for online purchases.
There are others such as the "Oyster" card used in London for public transport that are "active" cards. These predate the current NFC standards but are good examples of how the two-way communication works. Oyster is a read-write system that keeps your current balance on the card, so it can work even when there's no network connection, such as a bus in a garage.
Hi Maestro - the October 2015 date has been reported in a number of places but there hasn't been all that much public discussion about it. At least until the Target and HD breaches. But here's a link that explains a lot ...
http://www.paymentsleader.com/will-retailers-be-ready-for-emv-by-oct-2015/
"One key component in the EMV discussion is its accompanying liability shift. This liability shift means that those issuers and merchants using non-EMV compliant devices that choose to accept transactions made with EMV-compliant cards assume liability for any and all transactions that are found to be fraudulent. MasterCard defines the liability shift this way: The party, either the issuer or merchant, who does not support EMV, assumes liability for counterfeit card transactions. Understand that by issuer, the card companies do not mean themselves; the term refers instead to banks, credit unions, and any other financial institution issuing credit or debit cards."
So if merchants don't have EMV-compliant terminals - they're liable. If banks haven't reissued cards to be EMV-compliant - they're liable. A couple of my cards today have chips - most do not, even those with long "valid thru" dates. I expect those banks to replace the cards during the next twelve months - otherwise they'll be liable for any fraud. Note that I'm not saying that swipe cards and swipe terminals won't work after October 2015 - they will continue to work as they do today. But the stores and/or card issuers are liable for fraud and that will "encourage" most of them to upgrade. Not all, but most.
NFC is a different animal, and not directly related to the discussion above. Lots of the newer terminals have NFC capability but the stores might not have been using it. Just as Home Depot (I was at the local store just today) has terminals which include chip-card readers, but those aren't enabled. When I tried my chip card in it, the screen asked me to swipe the card. D'oh.
Some stores added very visible NFC/RFID readers for PayPass and its friends but many have it built-in but with no visible signage. Apparently the HD terminal supports it (the card I used doesn't have it) but there's no visible indication of that. If stores have replaced their terminals recently then I would expect those to be NFC-capable. Maybe the NFC isn't enabled, but the terminals are capable of supporting it. They just need to do whatever software thing is needed to activate it, if they wish.
And that's the point about the October 2015 shift. The liability shift is a huge risk so almost all companies will update their terminals and reissue cards by that time. The price difference between terminals with NFC and those without will be very small, so almost all merchants will have NFC-capable ones (the main cost is the terminal, and labor to change them all). Once the NFC hardware is present, working with Apple Pay is just back-office software (and legal agreements, of course). By moving now, Apple is able to ride along with the replacement wave (terminals).
Thanks for the information, EMV stand for the 3 major CC issuers and sounds like some sort of standard they may up with will include NFC, form the sounds of it, it some sort of protocal they came up with to verify the transaction, it did not say it will not include the magnetic swipe. SO maybe the new Terminals I am seeing have the EMV, but they could have NFC/RFID, but and it hidden unlike most which I see that have the PayPass symbol on them which would tell me it ready to use. Apple in their announcement said to look for that symbol to know you can use Apple Pay.
If Merchants are not putting in POS with that symbol especially now something is wrong. Those Terminal are not cheap, I have friend who work for Verifon which makes those terminal and they cost a few Hundred $ due to all the security in them. Also the Target and HD breach were not a breach of the POS, they were breach of their IT systems sine the POS and their IT systems are linked and those companies were keeping records of every transaction include the all the information from the CC. with APPLEPAY the CC will be encrypted so the merchant will not be able to have any useful information about who you are and such. I believe this want EMV is about.
This is what happen when POS came out, merchant had to stop using the carbon paper CC transaction or they paid a 5% fee and were liability for loss if the CC company could prove the information was stolen from their location. I think the same thing is happen with EMV, they telling merchant they can not longer keep CC information on their systems and the new POS just tell their IT system the card is good and give them some sort of payment receipt they can bill against. The net POS probably does not share your CC information with them merchant anymore.
2) Can you prove that Scotland doesn't export haggis. It sounds gross too many but it's quite good, albeit not good for you.
It exports haggis but not to the US. Sheep lung is evidently not a food item for humans. Not sure I disagree...
That most rich countries are small, and that Scotland subsidizes the UK.
In my link you will see that Scotland's GDP with oil is 6k£ per capita higher than the rest if the UK. Without oil it's the same.
Even though social spending in Scotland is higher than the rest if the UK the difference is more than made up for in oil revenues.
I would have thought that it's obvious that China, India, Nigeria, Brazil etc are not rich. The US is a large country outlier.
A search for GDP Per capita will prove the point.
http://en.m.wikipedia.org/wiki/List_of_countries_by_GDP_(PPP)_per_capita
Meanwhile large countries.
http://en.m.wikipedia.org/wiki/List_of_countries_by_population
If you look at those lists, you'll notice that the countries that are at the top, and are very small, are also countries with a lot of oil. So that really doesn't count, as they are not normal economies. As far as lux and Licht go, both are subsidized by France to a certain extent and as their size is so very small, along with their tiny popularions that tourism is sufficient. They are also not comparable to Scotland.
The charts say nothing about Scotland.
Hah!
The CIA put Ireland ahead of Germany? You got problems....
;-)
Not to mention Wales, Ireland, Iceland or Northern Ireland, none of which are exactly rolling in it.
So what’re the odds that the thing even goes through? Scottish independence, that is.
They say the No's have a slight lead, but it could go either way.
I think everyone in the UK should have had a vote, not just the Scots and their tartan haggises. It would be a shame if they were to vote Yes. I think it would be disastrous for Scotland.
It’s not their right to determine, save by force.
Why not? We are all members of the United Kingdom and abide by its rules. If some of us wish to change those rules, it should be voted on by all of us.
It's called democracy.