ING MyMoneyCoach Consulenza: pareri

Logowanie do aplikacji Moje ING mobile może przebiegać na 3 sposoby (tylko PIN, tylko identyfikator biometryczny albo PIN + identyfikator biometryczny). Przy zlecaniu przelewu w aplikacji również możesz być poproszony o kod PIN; Jeśli uważnie śledzicie media to wiecie również, że inne banki też wprowadzają zmiany. Dzień dobry, 22/01/2024 złożyłem wniosek o kredyt hipoteczny. Kilka dodatkowych dokumentów było wymaganych do dosłania. 08/02/2024 nastąpiła ostatnia aktualizacja statusu (w analizie). Jaki jest przybliżony czas dalszego oczekiwania? Z góry dziękuję za odpowiedź. Dzień dobry Wszystkim! Jestem nową osobą w społeczności i potrzebuję małej pomocy. Staram się o uzyskanie w ING kredytu hipotecznego. Urwał mi się kontakt z pośrednikiem, nie odbiera telefonów, nie odpisuje na maile. Złożył w moim imieniu wniosek do ING, obecnie wniosek jest na etapie 5/6 - "podej... Niekiedy powiadomienia docierają do aplikacji dłużej niż zwykle. Jeśli odbierasz rozmowę od kogoś, kto twierdzi, że dzwoni z banku a nie widzisz powiadomienia w aplikacji, to -- w przypadku banku ING -- możesz po otwarciu aplikacji mobilnej wybrać z menu kafelek o nazwie "Czy dzwoni ING?". Jeśli na ekranie który się pojawi nie ... ING Bank Śląski poinformował, że 31 grudnia (sylwester) będą otwarte do godz. 15:00. Wyjątkiem są niektóre oddziały bankowe w galeriach handlowych. ... Społeczność ING to: 1) forum, gdzie porozmawiasz, uzyskasz pomoc, 2) blog z praktyczną wiedzą oraz 3) regularne spotkania offline z ciekawymi osobami. If you need more information about FATCA please contact with ING Bank. Legal grounds: Act of on Execution of Agreement between the Government of the United States of America and the Government of the Republic of Poland to Improve International Tax Compliance and to Implement FATCA of 9 October 2015. Wyjątkiem jest ING Bank Śląski, którego ma w ofercie zarówno IKZE inwestycyjne, jak i IKZE oszczędnościowe. IKZE to korzyści podatkowe. Oferta banków jest spora, ale tylko w jednym nie ... Na stronie oferty w Moim ING przedstawiamy również informacje o kwocie z wypłat z konta dziecka w granicach zwykłego zarządu. Podstawą prawną jest Regulamin świadczenia przez ING Bank Śląski S.A. usług w ramach prowadzenia rachunków płatniczych dla osób fizycznych, który jest także nieodłącznym elementem zawieranej umowy. Czy logujesz się do Aplikacji przez naciśnięcie przycisku Zaloguj na dole ekranu? Pytamy o to, ponieważ niektórzy Klienci próbują logować się do aplikacji przez skrót Stan konta, z którego aktualnie nie jest dostępne logowanie do aplikacji, a zmiana ustawień widoku.

2025.01.23 09:46 FullMetalBard ING MyMoneyCoach Consulenza: pareri

Salve,
Io sono cliente ING da ormai parecchi anni, ma solo l'anno scorso ho attivato il conto arancio (sfruttando l'offerta del 4%) spostando gran parte della somma che era sul mio c/c che mi ha dato un piccolo, ma pur sempre decente ritorno di interessi.
Quest'anno, invece, ho aggiunto i guadagni ricavati dal mio lavoro nel 2024 al CA e diviso la somma totale in questo modo (totale 75.000€):
1/3 rimasto sul conto arancio, per avere flessibilità in caso di necessità senza perdere quel poco di interessi accumulati nel 2025 in caso di prelievo (tasso base 1% che a febbraio diventerà un misero 0,5%)
2/3 spostati sul deposito arancio (tasso 2,5%)
Ora, suppongo, che questi movimenti mi abbiano fatto entrare nel radar di ING e, la scorsa settimana ho ricevuto una chiamata da un loro consulente per introdursi, farmi una piccola spiegazione degli obbiettivi (combattere l'inflazione e cose così. già risapute), ecc...e prenotare una telefonata (per questo pomeriggio sul tardi) per attivare mymoneycoach, fare il questionnaire del profilo di rischio e mostrarmi un pò di possibili soluzioni finanziare alternative ai depositi che mi dovrebbero fruttare di più.
Io non sono restio agli investimenti (a livello familiare abbiamo dei buoni fruttiferi, investimenti postali), ma non sono un esperto e, questa sera, metterò subito in chiaro che per oggi sono solo interessato a scoprire le varie soluzioni proposte, ma non effettuare nessuna operazione prima di poterci pensare propriamente.
Ma vorrei anche la vostra opinione:
1) Qualcuno usa mymoneycoach o ha discusso con i consulenti ING? opinioni? 2) Ci sono costi/obblighi se non effettuerò nessuna operazione alla fine (chiederò anche al consulente) 3) Suppongo, i consulenti non mi aiutano per fare la caritò, quindi dove sta l'inghippo? 4) a cosa dovrei stare attento? Ci sono domande specifiche che dovrei fare? 5) altro di cui tener conto?
Grazie in anticipo per ogni risposta.
submitted by FullMetalBard to ItaliaPersonalFinance [link] [comments]

2025.01.23 09:46 GriffinFTW What Killed Rome's Democracy

What Killed Rome's Democracy submitted by GriffinFTW to RomeWasAMistake [link] [comments]

2025.01.23 09:46 berndyrussel PVR2 Surface 9

Hi. I am thinking of getting me a pvr 2 adapter. I only have surface 9. I don't use it much on my ps5 and I am not so interested in games. I like the "VR-Experience", like the shark experience on the psvr1 or 360 3d videos, like roller coaster. I dont think I can play Vr games on my surface anyway. I also have an usb-c to hdmi adapter. Are there any possibilities/advantages to get an adapter? I would really like to have VR-Experience in 3d. Are there any movies or stuff like that?
submitted by berndyrussel to PSVR [link] [comments]

2025.01.23 09:46 Ok-Pollution-4392 Risking my Latina milf Gf Veronica and her kik. Too fast so she won't get shared everywhere..

Risking my Latina milf Gf Veronica and her kik. Too fast so she won't get shared everywhere.. submitted by Ok-Pollution-4392 to CumTributesANY1 [link] [comments]

2025.01.23 09:46 lss_mobile_9172 czvzx

czvzx GIF GIF
submitted by lss_mobile_9172 to lssmob715 [link] [comments]

2025.01.23 09:46 Lunaedge Trait: Menaces - Augment Discussion #51

As requested, it's the bad ending:

Trait: Menaces Gold Augment While fielded with Silco, Powder gains Dominator, but no longer benefits from Family. When her monkey explodes, it creates 3 of Silco's monstrosities. Gain a 2-star Powder and a Silco.
Is it as heartbreaking for your opponents as it is for you?
Link to the table of Augments in case you want to see which ones have already been discussed (and find a link to those threads!). Don't forget to be nice to each other! 🌚
submitted by Lunaedge to CompetitiveTFT [link] [comments]

2025.01.23 09:46 lssqa3433 Cut copy paste crosspost for 23/1/2025 09:45:30

submitted by lssqa3433 to LssAutomation [link] [comments]

2025.01.23 09:46 Darci_832htx lol

lol submitted by Darci_832htx to UberEatsDrivers [link] [comments]

2025.01.23 09:46 notyourmother6089 FRIENDS WE LOST AS KIDS

Omg!all this is happening in 2020 I was in form 4 .my parents got me a month after reporting back to school for (those highschool semesters)nimesahai the word . I went home and it was my neighbor Brian ,he had dies of course I was broken 💀omg he was so funny .I really miss him if I had a brother it would be him I still look at his Instagram really old photo and think how he'd look he died so YOUNGGG 21is Young to me tho that's just me I REALLY REALLY miss him I think of him so much ❤️😭
submitted by notyourmother6089 to nairobi [link] [comments]

2025.01.23 09:46 Spleen-216 Inferno Dance odds

Inferno Dance odds Hi everyone! I tracked in over 100 games the number of heads (O) and tails (X) I got from Inferno Dance and found out the game favors 2 heads compared to real coin flip odds. Has anyone noticed the same?
XXX Expected: 12,5% Observed: 11,5%
OXX Expected: 37,5% Observed: 30,8%
OOX Expected: 37,5% Observed: 46,2%
OOO Expected: 12,5% Observed: 11,5%
submitted by Spleen-216 to PTCGP [link] [comments]

2025.01.23 09:46 BrilliantPeak8655 Any suggestions on how to build him? Kindly explain a bit as my solo raid damage is pretty low. Also, i’ll level him up to 5 stars in a day.

Any suggestions on how to build him? Kindly explain a bit as my solo raid damage is pretty low. Also, i’ll level him up to 5 stars in a day. submitted by BrilliantPeak8655 to Injustice2MobileGame [link] [comments]

2025.01.23 09:46 GirasoleDE AfD-Feindbilder im Wahlkampf: Von grün zu schwarz

AfD-Feindbilder im Wahlkampf: Von grün zu schwarz submitted by GirasoleDE to afdwatch [link] [comments]

2025.01.23 09:46 Zirco_ F25 Session send your worst vid

05f1fb95cc4ac0a782164ee40311943cfd269db14f567ed90a4693908fedac0813
submitted by Zirco_ to CumTributesANY1 [link] [comments]

2025.01.23 09:46 surveycircle_bot Influence of BIM and IoT

Influence of BIM and IoT submitted by surveycircle_bot to SurveyCircle [link] [comments]

2025.01.23 09:46 SpiderFluff7890 Vegan elimination diet - Advice needed

I was wondering if anyone had done a vegan elimination diet for IBS? I have IBS-C and was referred to a NHS nutritionist who said they didn't know how to advise someone on a vegan diet.
So frustrating, I'm starting to map it out for myself by identifying what I eat regularly but I was wondering if anyone else had done this? Any advice and support is very welcomed!
submitted by SpiderFluff7890 to PlantBasedDiet [link] [comments]

2025.01.23 09:46 Ok-Hair-6138 Question about leaf spots on my coconut palm

Hi there!
I have a question about these spots on my coconut palm. Are these signs of disease? If yes, what can be done about it? Thanks in advance for any advice!
submitted by Ok-Hair-6138 to houseplants [link] [comments]

2025.01.23 09:46 kyral1x any tips for media pass

I plan on going to the fort lauderdale show at revolution live, I shoot with a vhs camera, I only ever shot carti ken and lone by sneaking it in to rolling loud but does anyone got any tips how I can shoot for osamason or 1oneam
submitted by kyral1x to osamason [link] [comments]

2025.01.23 09:46 WowVeryOriginalDude I think I’m bout to get f’d

Just got a letter in the mail from VA debt collections trying to take almost $9000 in supposedly “overpaid” BAH in regard to my GI bill.
For reference, according to their own benefits letter, I’m entitled to $2300 a month as a full time student.
My GI bill experience so far:
When I left in 2022 I went to practical nursing school for 2 semesters, technically it wasn’t full time, 11/12 credit hours, so I got paid a lower amount that whole time, as I should’ve.
Once I was a nurse I eventually got a pretty good job and stopped going to school. Eventually through a series of personal stuff and my brain being fucked and the everything going to shit, I had to stop working and focus on going back to school. I didn’t want nursing, so it was pre req time for something else (nuc med).
Ok so this last semester was my first semester in over a year. Did the process pretty much exactly the same, cept this time I had full credits. So they were paying me the full amount, as they should. As outlined on my COE, as outlined in the benefits letter they send me probably 3-4 times a month. I swear every time I check the mail it’s the same letter, just affirming that my benefits are good with a schedule telling me when I should expect payment. I was worried at the time because 6 credits were in person, 4 day a week classes, and 6 credits were online classes, all attended at the same time, but I was reaffirmed, not only by my school veterans office, but multiple individuals throughout the GI BILL line, that it didn’t matter as long as I was taking classes I had to physically show up for, I would receive the full bah rate. I’m sure some recorded call somewhere has that exact promise verbatim, multiple times.
I just started school again, 2 weeks ago. I think all they’ve paid me so far is the book stipend for this semester.
I’m meticulous about my finances They have never overpaid me, they have never double paid me, the payments have aligned with the documents they have sent me week after week for MONTHS. I don’t know where this supposed overpayment came from. Hell, that’s nearly the entirety of the BAH allowance for a whole semester. I’ve only taken one whole semester, and a nursing program. How tf could I owe EVERYTHING back? In total, I believe I’ve used 11.5 mo of the GI bill so far (I did my 4, so 100% GI bill)
I should note I know this isn’t some sorta scam, i checked the VA site. Apparently they emailed me weeks ago as well, claiming they “already sent a letter”. they didn’t but there’s no other info. No receipt or notarization or explanation. Except for a small bit about how you could receive debts for withdrawing from school (nope) or something along those lines, i passed everything, I was a very good noodle. So it ain’t that.
I’m really just venting at this point. There’s probably nobody awake, the VA has been fucking me so hard for awhile on the medical side, and right when I think I’m starting to get it under control my plans for life just get flushed down the toilet from another department.. I don’t fucking deserve this. It’ll probably all get fixed tomorrow when I get on the phone with them, or maybe not, maybe this will be the fucking nail. I quit a job, a real job, a job I couldn’t handle bc the VA took my community care away for 6 mo for funsies and I couldn’t mentally function, so i decided to to take it easy and slow down and take advantage of my opportunities for the future, I’m PROMISED it’ll be ok, I can get better and focus on what’s important without having to worry. NOPE. They gave me a “basic housing allowance”, so I could afford to live, now they want 1/2 yr of rent back. I don’t think I can do it.
What the fuck did I do?
submitted by WowVeryOriginalDude to VeteransBenefits [link] [comments]

2025.01.23 09:46 aaakassh does anyone know what jacket this is?

i know its a santa fe but i cant find any in this navy colourway thats also quilted, it looks more recent rather than vintage
submitted by aaakassh to Carhartt [link] [comments]

2025.01.23 09:46 Xcell_Miguel Another great update from OnePlus yesterday (OP12 CPH2581_15.0.0.503)

submitted by Xcell_Miguel to oneplus [link] [comments]

2025.01.23 09:46 Camp_camper The Complicated World of Payments: An Explainer

The Complicated World of Payments: An Explainer Na-inspire ako sa discussion in a previous post: bakit daw hindi tinatanggap ng isang store ang aking Maya/GoTyme/etc. payment, GCash lang daw pwede? QRPH naman QR nila.
I know, it’s so frustrating. I used to work in a fintech company, but I’m now working in a bank. During my years in Fintech, I’ve learned a lot about how payments work in this country, and since a lot of us are curious about these arbitrary and ambiguous rules that establishments, ewallets, and banks impose. It has been a while since I was in fintech though, so if any of you have corrections for my writeup, please feel free to comment. Anyway, here we go. Btw Fintech = eWallet company, for terminology sake.
Funds and Rails
Ok, before we dive into some of the other topics I want to first define for everyone here these two fundamental concept. A FUND is a place where money is stored. This can be a deposit account, an eWallet balance, or anything alike. Typically, funds can be transferred in the PH via fund transfers. Banks, via Instapay and Pesonet. And eWallets via closed loop and open loop. Closed loop, meaning Gcash to Gcash, or Maya to Maya. Open loop meaning non-GCash to GCash, or non-Maya to Maya, and the list goes on.
When money is transferred between a bank/fintech to a bank/fintech, the two systems of the bank or fintech have to communicate with each other. It’s hard to get hundreds of banks and fintechs to integrate their systems with one another, so a middleman has to come in: Instapay and Pesonet. These are what we call RAILS. Parang riles ng tren; it literally is the system used to transport your cash from one station to another station – sender account to receiver account.
QRPH is also technically a rail, it is operated by Instapay and is the dedicated institution of Instapay for all eWallet and QR-based payments.
Money, Money, Money
It’s always about money. When funds are sent from one account to another, the Pesonet and Instapay rails are used to make this happen. Instapay and Pesonet have to keep their systems running, so they need income to pay their employees, operating costs, etc. This is why Instapay and Pesonet apply a charge to banks and fintechs per transaction made on their rails. This is usually a very very small amount. I don’t recall the exact amount but I remember it to be less than 5 pesos. I think less than 1 peso, even. So, when banks and fintechs charge you 15-25 pesos for a fund transfer, isipin mo nalang kung gaano kalaki patong nila diyan
The Boom of Fintechs
Instapay from what I remember has 2 basic types of “rail systems” – bank to bank, and ewallet to ewallet. Both operate with similar rules: they make instant transfers, they have low max transaction limits compared to Pesonet, and they both charge a small transaction fee to the bank/fintech for usage of their rails. However a few years ago, the BSP wanted to heavily promote the boom of fintechs – to ensure that more and more filipinos are served by a financial institution. Thus, the BSP imposed lower fees for eWallet payments. Kumbaga, QRPH fees for ewallet to ewallet transactions are not as high as bank to bank. And to be honest I think it has done a lot of good for the country. There is a boom in commerce, payments, and the like.
Merchants and Payments
So, madami na ang gumagamit ng ewallet. GCash, Maya, GoTyme, etc. are everywhere. Almost everyone we know has an account in one of these fintechs. Now the big question for those who own businesses is: paano tayo tatanggap ng eWallet/QR payments?
One option is for business owners to generate their own QR code from their ewallet app, print it, and accept payments. This is common practice with small businesses: sari-sari stores and the like. However, yung personal QR code ay may limits din. Hanggang 50K lang makaktanggap mo dito per day. On top of that, some eWallets charge additional fees if you receive more than a certain amount of transfers in a day. So, paano mo tatanggapin ang payments ng customers niyo kung kayo ay supermarket, clothing store sa mall, or other bigger businesses?
This is where MERCHANT QR’s, known formally as P2M (peer to merchant) QRs have popped up. Companies like GCash, Maya, and other fintechs have created P2M offerings for businesses with much higher transaction limits, customized dashboards for the business for them to review sales information, etc. etc. Dito na papasok ang na-learn natin sa rails.
For your added knowledge, P2P naman ay peer to peer. Ito ginagamit niyo pag nagbabayad kayo ng utang sa mga kaibigan niyo via ewallet… jk lang.
Retail and Rails
Imagine ikaw ay si SM Supermarket. Nag avail ka ng GCash P2M QR Code for your cashiers. Sasabihin ni GCash sayo: “kung GCash ang gagamitin ng customer’s niyo, walang fees yan. Pero kung iba ang nagamit nila, may fees na yan.” This is the standard practice, and this creates a lot of complications for everyone.
But why? So as I mentioned, the QRPH rails is the middleman between banks/ewallets in the country. If GCash to GCash yung payment, hindi na yan dadaan sa QRPH. Why? Because it’s all within the GCash system. All GCash has to do is change the values in their own system, and the funds are reflected. Pero kapag Maya ang ginamit ni customer, dadaan pa yan sa QRPH para lang pumasok sa GCash ni SM Supermarket. This means that QRPH/Instapay fees will be applied to the Maya->GCash payment, not the GCash->GCash payment.
Now what happens to the fees? First, GCash absorbs it. Then, GCash tells SM Supermarket “since may XYZ transactions kayo from Non-GCash wallets, we will deduct the amount from your account.” Imagine you are SM Supermarket again. Ano gagawin mo para maging mas profitable yung company mo? There are a few options: Option 1 – partner with Maya, GoTyme, etc. Tig-iisang QR code yung meron ng cashier mo, one per fintech. Kung GoTyme gamit ng customer mo, GoTyme QR Code yung ipapakita sa kanya. No fees. Option 2 – banned na ang non-GCash payments. The QR code provided at the cashier, which explicitly has the QRPH logo, can only be used with GCash, at sasabihin ‘to ng cashier sa customer. Both of which common practice, although much more common yung option 2 dahil usually may non-compete clauses yung mga contract for option 1.
Ano ba gusto natin, and where do we go from here?
Wouldn’t it be nice if every merchant accepted every single online banking / ewallet / QR payment, without all the frustrations around the fees? That would be payment paradise. But the truth is, all the fiasco around the fees have two root problems: Instapay/QRPH fees, and add on fees ng mga banks and fintechs. One radical solution is for the BSP to ban the charging of fees from Instapay to banks/fintechs and at the same time ban fintechs and banks from charging fees to merchants and customers. Then we could have a world free of payment fees. Merchants wouldn’t be choosy about what their customer uses to pay, fintechs would have to battle each other by providing quality service, instead of monopolizing the QR world and slapping on fees everywhere. BSP would probably have to absorb the fees to keep Instapay and Pesonet alive. So I doubt that would go anywhere, especially with our corrupt government.
submitted by Camp_camper to DigitalbanksPh [link] [comments]

2025.01.23 09:46 Legitimate_Mouse9400 L2 Algebra 2024 QDii

Does anyone know the answer for that question. It’s the one with the logo DOD and has the green background.
submitted by Legitimate_Mouse9400 to ncea [link] [comments]

2025.01.23 09:46 WTXNews ISIS death cult back on streets of Syria

submitted by WTXNews to UK_News24 [link] [comments]

2025.01.23 09:46 Mobile-Map9430 Reverse Engineer Key-File

Hey Folks,
i've got a Key-File (https://anonymfile.com/DXnXJ/meb9600.key)
The content of the file is a serial number (bit 04 row 1, 80046 -> 3E).
The file contains the license key:
MZ66SH
C1Q3XL
1YHB0RZ
The original file had more bits, which I have already replaced with 00 to find the bits that represent the 3 licenses:
52 at position 0F -> MZxxxx
69 at position 08 -> C1xxxx
AF at position 0C -> 1HYxxxxxx
But I can't figure out how it stores the licenses or how it reads them. Example MZxxxxxx, the original string in the file is E1 82 CF 52, ONLY 52 is relevant. The rest is apparently ignored by the software.
Does anyone have any ideas?
submitted by Mobile-Map9430 to AskReverseEngineering [link] [comments]

2025.01.23 09:46 reddit_lss_2 Text post with only title for 23/1/2025 09:45:31

submitted by reddit_lss_2 to LssAutomation [link] [comments]

https://yandex.ru/