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这个月Grab Power Up活动开始啦!! 从9月28日至9月30日之间使用GrabPay支付线上付款，可享有10倍分数 (比如消费RM180可获1800分)
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✅ 最低消费: RM180
✅ 最多分数: 6000分
✅ 限定数量: 18,000份
✅ 每个Grab户口只能兑换一次
✅ 消费时间: 28 ~ 30 Sep 2021
⚠️ 不能使用于GrabGifts, FavePay, Carousell, FoneApp, Elinking, PosMalaysia, ALL bill payments platform and/or insurance payment platform, ALL telco payment platform, ALL government services payment platform and etc.
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详情: https://www.grab.com/my/grabpay-blog/powerup/
@Atome.sg has got me all comfy and cosy at the @marksandspencer_sg Home & Living section with my much needed essentials! 🏠 Besides gym outfits, bedsheets & candles - my favourite part is also checking out wine 🥂😂🙈😉 Swipe to check out my fave M&S outfits and picks from my shopping date!
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With Atome‘s 3 easy interest-free payments, I love how fuss free it is to make payment at the M&S store in 3 simple steps plus there are NO hidden charges or even service fees! 💳 The best part, @atome.sg users like me get 15% off* storewide at @marksandspencer_sg from 26-29th Aug! (Min spend of $80) 🎉
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In celebration of the newly-renovated Food halls at M&S Wheelock Place & VivoCity, the first 150 shoppers who pay with @atome.sg (min spend $30) at these 2 stores each, will receive a complimentary Atome Phone Grip! 🎁
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So download the Atome app from my link in bio right NOWWWW and get ready for a shopping spree this weekend 🛒🛍! @AtomeSG #MarksandSpencerSG #Timetoownit #sp
*Capped at $15. Valid at all M&S stores excluding 313@Somerset.
The difference between APR and APY
A lot of people here are staking their crypto, so I assume most of you have encountered these terms before, but a lot of people don't really understand the difference between the two. As such I thought I would explain the difference as simply as possible.
**APR = Annual Percentage Rate**
This is the amount you can approximately expect the initial amount of money to get in interest over one year. For example, if you staked $1000 worth of ETH and got an APR of 6%, you would expect to have about $1,060 by the end of the year:
$1000 x (1.06) = $1060
However, this is assuming that you only get one payment at the end of the year of $60 for a year's worth of interest, and we all know that by staking crypto, you get payments more often than that. Some get interest payments every week, or even every day. Now let's assume you receive interest payments daily. The amount of interest you get every day is the APR divided by 365, since there are 365 days in a year. So your daily interest rate is:
6%/365 days = 0.01643836% every day in interest
So after one day, you will have:
$1000 x (1 + 0.06/365) = $1,000.16438
Now, on the second day, it will give you the same 0.01643836% in daily interest, but it won't use the $1000 you put in initially, it will give you interest based on how much you currently have staked, which is now $1,000.16438 after one day. So after you get your interest payment on the second day, you will have:
$1,000.16438 x (1 + 0.06/365) = $1,000.32879
It will then use the number you have after two days to calculate the interest you will receive for the third day. Notice how every day, the amount of money you have is increasing, and as a result the amount of money you receive in interest increases every day. This is called *compound interest*, and that's where APY comes in.
**APY = Annual Percentage Yield**
This is the amount of interest you receive in a year taking into account compound interest. In other words, this is the how much interest you will receive taking into account you will be getting payments throughout the year. So if you have an APR like we said of 6%, and you receive interest payments daily, your APY is calculated as such:
APY = (1 + 0.06/365)^365 - 1 = 6.18313106779%
So in one year, you're actually getting 6.18313106779% in interest, not just the 6% that the APR said you were getting. So after one year you would have:
$1000 x (1.0618313106779) = $1,061.83
**To Sum Up**
Amount you will have after one year according to APR:
$1060
Amount you will have after one year according to APY:
$1,061.83
As you can see the numbers are not the same. APY just gives you a more accurate indicator as to how much you can expect to receive in interest by the end of the year.
**So which is better: 6% APR or 6% APY?**
If you noticed, the percentage I calculated in APY is higher than the percent APR said you would be getting:
6% APR = 6.18313106779% APY (with daily payments)
So, if you have the option to choose between 6% APR and 6% APY with the same frequency of payments in a year (in this case daily payments), always choose 6% APR, since that comes out to be higher than 6% APY.
Source: Reddit.
$30,000 worth of Mystery boxes. Some are great gifts, some are bad gifts. Which boxes be opened?
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hoolah's a payment solution now available across 1000 over retailers like Nike, Puma, Secret Lab, BHG, 6ixty8ight, Novelship and so many more merchants offline and online in SG & MY that allows you to buy now and pay later in 3 interest free payments. No hidden fees involved, and works with both debit and credit cards! Head on over to their website for a full list of their retailers or you can simply download the app to get started!
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There is an ongoing Incredible Deals for PS4 bundles which are perfect for gifts for the holiday season, check out the above link for more info!
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Economic Impact Payments
Who is eligible for the economic impact payment? ... Eligible taxpayers who filed tax returns for either 2019 or 2018 will automatically receive an economic impact payment of up to $1,200 for individuals or $2,400 for married couples and up to $500 for each qualifying child.
https://www.irs.gov/coronavirus/economic-impact-payments
台灣銀行 外幣票據託收業務簡介
客戶(即申請人)持有國外銀行付款之外幣票據，可委託本行代收，俟票款確定收妥後，再行解付存入申請人開立於本行之存款帳戶。
一、服務對象：
已開立本行新臺幣或外匯存款帳戶且往來至少6個月(含)以上之個人、公司、行號、團體。（申請人須為票據之抬頭人）
二、憑辦文件：請攜帶有效身分證明文件至各營業單位填具「光票託收申請暨約定書」辦理。
（一）個人請持身分證件－包括身分證、長期居留證等，親自辦理。
（二）公司、行號、團體請持主管機關核發之證明文件及原留印鑑辦理。
三、託收手續費：
（一）「手續費─匯費」：每張按照票面金額0.05%折算新台幣計收（最低新台幣200元，最高新台幣800元）。
（二）「郵電費─郵費」：每張新台幣300元（如以國際快遞寄件時按國際快遞價格計收）。
（三） 國外費用：
美國地區付款之美金支票，國外代收銀行每張收取手續費至少美金30元；美國以外地區付款或美金以外之幣別，則依各國外代收銀行之收費標準收取手續費。(國外銀行另收取之費用，依其收費標準逕自票款扣除，如有調整，則依其收費標準而定。)
※倘有退票情形發生，除須支付本行手續費、郵電費外，另須繳納國外代收銀行之退票處理費。
四、託收期間：
託收期間依付款行國家當地法令及作業時間而有所不同，以收到國外實際入帳所需期間為準。
五、不適用託收之票據：
（一）過期（超過六個月以上）
（二）未到期票據
（三）破損或影印之票據
（四）已提示過或先前退過票
（五）各項票據要件不完備
（六）經轉讓之票據
（七）票面金額未達美金50元；美金以外之幣別則依各國外代收銀行之規定
（八）依各國外代收銀行規定為不適用之情形
※為維申請人之權益，避免因票據退回產生額外的費用負擔，本行得視外幣票據之實際狀況，及依各國外代收銀行之規定，保留受理託收與否之權利。
Licence:
You’re free to use this song in any of your videos, but you must include the following in your video description (Copy & Paste):
Song: MusicbyAden - Alive
Music provided by Vlog No Copyright Music.
Creative Commons - Attribution-ShareAlike 3.0 Unported
Video Link: https://youtu.be/6EKNcrMMadw
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Show Notes:
Now its time to part with your money...We dive deep on this one guys. There are lots of different ways you can structure payments for your project and we layout some best practice of what has worked for us.
We also added a few new docs to the download below: One is a worksheet so you can put in your total job cost and see what your payments will look like over time and the other is an example document for your signed document package + AIA forms.
This is our Project Planning Series, which we initially launched as the first 7 episodes of this podcast. We are publishing them again to make sure all our new listeners get the benefit of the series, and as a refresher for those who have already heard them. There is a ton of information here, so please let us know if you have any questions. And if you know someone who has an upcoming renovation, or who would benefit from this series, PLEASE SHARE IT!
We will be back with all new episodes after this series!
Document Templates & Example Docs
https://www.homewiththecousins.com/s/HomeWithTheCousins-Working-Files.zip
Fieldlens: http://www.fieldlens.com
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payments or payment 在 Sending Money With Messenger | Facebook Pay 的推薦與評價
Learn about how you can use your Messenger App to make payments with Facebook Pay. Whether donating to a charity or buying something online, Facebook Pay... ... <看更多>