![]() Tens of thousands of people responded to a CFPB Request for Information with their stories and complaints about unnecessary fees in banking. In January 2022, the CFPB launched an initiative to scrutinize back-end junk fees that cost Americans billions of dollars. Today’s Consumer Financial Protection Circular on surprise overdraft fees and its bulletin on surprise deposited item fees are just the latest announcements as part of the CFPB’s junk fee initiative, one of many efforts across the federal government to increase competition and reduce unnecessary financial burdens on American families. ![]() Regions is required to, among other consequences, reimburse consumers all the funds it unlawfully charged since August 2018 and pay a $50 million penalty. As early as 2015 the CFPB, as well as other federal regulators, including the Federal Reserve, began cautioning financial institutions against charging certain types of authorized positive fees, such as the ones used by Regions to unlawfully penalize customers. In September 2022, the CFPB took action against Regions Bank for charging surprise overdraft fees known as authorized positive fees. For instance, after the bank allows one debit card transaction when there is sufficient money in the account, it nonetheless charges a fee on that transaction later because of intervening transactions. Often, the financial institution relies on complex back-office practices to justify charging the fee. These overdraft fees occur when a bank displays that a customer has sufficient available funds to complete a debit card purchase at the time of the transaction, but the consumer is later charged an overdraft fee. The circular provides some examples of potentially unlawful surprise overdraft fees, including charging penalties on purchases made with a positive balance. Today’s Consumer Financial Protection Circular explains that when financial institutions charge surprise overdraft fees, sometimes as much as $36, they may be breaking the law. For instance, even if a person closely monitors their account balances and carefully manages their spending to avoid overdraft fees, they can easily incur penalties when financial institutions employ processes that are unintelligible or manipulative. ![]() Financial institutions can generally stay on the right side of the law when they employ more tailored fee policies that charge depositor fees only in situations where a depositor could have avoided the fee, such as when a depositor repeatedly deposits bad checks from the same originator.Īn overdraft fee can become a surprise fee when the customer doesn’t reasonably expect their actions to incur an overdraft fee. The bulletin explains that indiscriminately charging these depositor fees, regardless of circumstances, likely violates the Consumer Financial Protection Act. Charging a fee to the depositor penalizes the person who could not anticipate the check would bounce, while doing nothing to deter the originator from writing bad checks. In fact, there are many reasons deposited checks can bounce, and the most common reason is that the check originator does not have enough money available in their account. However, a person trying to deposit a check has no idea or control over whether the check will clear, and sometimes, that person is the victim of check fraud. When a consumer deposits a check that bounces, banks sometimes charge a fee to the depositor, usually in the range of $10 to $19. Today’s Consumer Financial Protection Circular on surprise overdraft fees and the CFPB’s compliance bulletin on surprise depositor fees lay out when a financial institution’s back-end penalties likely break the law. Overdraft and depositor fees likely violate the Consumer Financial Protection Act prohibition on unfair practices when consumers cannot reasonably avoid them. “We are providing guidance on existing law that will help law-abiding businesses seeking to fairly compete and the families they serve.” “Americans are willing to pay for legitimate services at a competitive price, but are frustrated when they are hit with junk fees for unexpected or unwanted services that have no value to them,” said CFPB Director Rohit Chopra.
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![]() There were a few things each, and once everthing hsd been opened the fun really began …bartering to swap items! The olders were always willing to take my toothpaste and let me have their chocolates but my brother was less keen to oblige! Depending on how many of us were together, the lucky dip could take hours, with plenty of sherry for Nan. We had to wait till we all had a gift then unwrap together. When everyone had a number, the kids then handed out the corresponding parcel. At the alloted time, the whole family squeezed into one room and the fun began… all the presents were laid out on the sideboard and the youngest got to take round a bag of raffle tickets. ![]() Apparently it started instead of having shop bought crackers which were very expensive at the time, so my Nan gathered bits and bobs like in your game…cheap but useful things (dishcloths, shoe laces, soap etc) there were some chocolate coins for us kids and ALWAYS one roll of toilet tissue! Everything was wrapped and numbered. We used to do something similar when I was little, and my Nan would organise a ‘Lucky Dip’. Thanks for sharing this great idea Natalie. To see more great holiday and family ideas, like “Let’s Get Together” on Facebook! Click here. It’d also make an awesome Christmas party for an office or group of friends or any other group of human beings who love a good time. It’s a fantastic Christmas tradition for older kids-you know, once they’re too big or too cool to sit on Santa’s lap or other younger family traditions. Find a great audio book and enjoy wrapping! We used just over 2 rolls of wrapping paper for this year’s game (so if you want it all to match-it doesn’t have to-be sure to pick up a few rolls). ![]() Give yourself a good chunk of time to wrap the gifts. With a couple dozen wrapped gifts, it’s easy to forget.ģ. So: make sure you write down where you’ve hid the goods. One year, she made a tiny slit in the Q-tips container and slid the $50 bill in. Often, the person who has the gift card or the cash doesn’t even know it. Hide the gift cards (restaurants, movie tickets, etc.) in the items. There’s the free stuff my dad gets at conferences, dollar store finds, and mostly a bunch of practical everyday-use kinds of items that are inexpensive but useful.Ģ. Start collecting gifts as far in advance as possible. make people think you have something special so they steal it and you get to try again! (But, that can backfire if you have a masterful gift card/cash hider.)ġ. We also have a rule that you have to show people what you open, but you don’t have to take out and show the whole thing. But after a gift has been stolen 3 times, it’s dead. Then you start where you left off in the number order. After the steal, the person who was stolen from goes back to the pile and picks out another gift. So, if the person who draws #1 picks up a gift and opens it, and then person who draws #2 wants that gift, he or she can steal it. So, in the appointed order (from 1 to 24), we go around the room and people start selecting (shaking) and opening (carefully!) the gifts.Įach gift can be stolen 3 times. The numbers determine the order of picking and opening the gifts. We pass out numbers (there are currently 8 adults, 3 gifts each, so numbers 1-24) on little slips of paper. These three things are hidden (separately) in the gifts before they are wrapped. Then, at Christmas time she goes out and gets two gift cards and a $50 bill. They are Q-tips, and hairspray, and Justin Bieber dollar store puzzles. The itty-bitty ones go to bed, and then the fun begins.īasic idea: There are 3 wrapped gifts for each who is playing. Does anyone under four feet tall ever hit the roof? No, but that’s not the point, ha! Then, while the grandkiddies are still awake, we put them in their Christmas jammies and take them outside to throw peanuts on the roof for the reindeer. It’s getting even more fun now that there are little ones around to be sheep.Īll joking aside, it’s this part of the night when my soul feels Christmas all the way through. The shepherds are in bath robes and the angel has a slip on her head. Usually fully (and ridiculously) dressed up. We always start with a Christmas devotional and a recounting of the Christmas story. Let me tell you a little bit about Christmas Eve around here, or at least what it’s changed and grown into as the years have passed. So, if you’re looking for a crazy-fun-and-totally-epic-holiday-tradition, you’re in the right place. We’ve just joined Instagram! Head on over and follow along for more great holiday ideas!įive-ish years ago, some cousins told us about this Christmas Eve tradition. Black butterfly overlay8/12/2023 ![]()
Chatbot messenger8/12/2023 The platform is primarily built for developers who need an open system with maximum control. ![]() This is how your conversational assistant can understand the input of the user.īotpress actively maintains integrations with the most popular messaging services including Facebook Messenger, Slack, Microsoft Teams, and Telegram. ![]() The NLU module lets you define intents, entities, and slots. The built-in JavaScript code editor allows you to code actions that can be used to perform specific tasks. This vastly reduces the cost of developing chatbots and decreases the barrier to entry that can be created by data requirements.īotpress has a visual conversation builder and an emulator to test your conversations. Now, let’s take a look at some of the best open-source chatbots in 2022, and remember, these are in no particular order!īotpress is a completely open-source conversational AI software and supports many Natural Language Understanding (NLU) libraries.īotpress is designed to build chatbots using visual flows and small amounts of training data in the form of intents, entities, and slots. Which chatbot works best for you will depend on the technology and coding languages you currently use along with how other companies have utilized chatbots can help you decide.Īlternatively, there are closed-source chatbots software which we have outlined some pros and cons comparing open-source chatbot vs proprietary solutions. There are many open-source chatbot software on the market today. This allows developers to create software of higher quality while increasing their knowledge of the software platforms themselves. Open-source software leads to higher levels of transparency, efficiency, and control through shared contributions. Open-source means the original code for the software is distributed freely and can easily be modified. Open-source chatbots are messaging applications that simulate a conversation between humans. ![]() The information in this article will assist you in making an informed choice. The best chatbot software for you will depend on your unique needs and scenario. The ordering of this list has no say on whether one offering is better than another. In this post we’ll be looking at the best open-source chatbot platforms in the market today. Air jordan fragment travis scott8/12/2023 įor sizing information check out our Nike Air Jordan 1 size guide. The model has seen serious collaborations, with figures like Travis Scott. Authenticity Guaranteed on shoes over 100. number of Jordan 1s to come out each year there are hundreds of colorways. 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Price: 150 UPDATE 7/30: Nike reveals official photos of the Travis Scott x Fragment x Air Jordan 1 Low releasing August 13th for 150 USD via SNKRS. The Travis Scott x fragment design x Jordan 1 Low is finally here so read on as we take a closer look. For his latest offering, not only does he reunite with Nike but also calls in Japanese designer Hiroshi Fujiwara to join in on the fun. His lineage of Cactus Jack trainers that take on some of the Swoosh brand's prominent silhouettes has inarguably built him an impressive reputation outside the music industry. dual-branded tongue sporting both the Nike Air and fragment design logos, whilst the heels sport a combination of Travis Scott Cactus Jack, fragment and Wings. ![]() ![]() Renowned American rapper Travis Scott has been working very closely with Nike in recent times, as most sneakerheads know. 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You CAN'T talk about advertising unrelated downloads or talk about content unrelated to Angry Birds here.ĭownloads not from the links above are not endorsed by r/AngryBirds mods or the download project contributors. You CAN'T talk about piracy (ex: ask about downloading Angry Birds for Dolphin Emulator). You CAN ask questions related to removal of the original games and Rovio's decision. You CAN ask about downloading a game IF it was free when it was removed. You CAN talk about stuff related to using the downloads and asking for any help with getting them. Keep in mind (only applies to this post): If you feel like you didn't get the proper credit and can prove ownership of those downloads, please message one of those users.Īlso, go here for a summary of all the methods for mobile and PC here. It is managed by u/Chicken-LoverYT and u/Jam10000. Find the downloads page here: If you are new here, this shows how you can get games for PC and mobile. What happened to the website link as a sticky post where you could get the downloads? I just downloaded Angry Birds Seasons to my PC and I need an activation key but I can't find one. With the free MEmu Android Emulator, you transform your PC into an. Angry Birds Activation Key is here full of working. Here's a help post of them talking about this. Angry Birds Rio v1.2.2 - Registration Code : THET-ALEV-LEFR-USWO Angry. Rovio discontinued most of their older games. Here are some questions that may help you: Why don't I see Angry Birds Space, Seasons, Classic, in the App/Play Store? Please read it then ask any questions you have here. If your post was removed due to asking for information you can find in this post, you might've been redirected to this post. Specify the game when discussing gameplay. No slurs, or excessive "fowl" language for the sake of being edgy.ĩ. This counts as piracy and could get you in serious trouble even outside Reddit.ħ. Do not post unofficial links to paid apps or the Angry Birds movies. No posts about cheating or hacking games that are currently available. Reddit's site-wide policies still apply here!ĥ. By extension, insulting Rovio staff is not allowed.Ĥ. You may disagree with others, but do so in a respectful manner. For videos, you may only link directly to the video and not the channel.ģ. Repeatedly sending the same message in modmail also counts as spam. ![]() Other discussion of discontinued games is permitted and does not need to go into the master thread.Ģ.
Sisyphus the myth review8/12/2023 At first, he indulges her because he thinks she can help him win the lottery but later comes to sincerely like her. Han Tae-Sul’s university roommate, Eddie Kim, saw immense financial potential in Tae-Sul and decided to hitch his wagon to Tae-Sul’s star, the results of which landed him a position as second in command at Quantum & Time.Ĭhoi Jae-Sun is the first person Gang Seo-Hae met when she crossed over into the past. ![]() He loves his little brother more than anything else in the world and happily sacrifices his own needs because Tae-Sul has always been his first and foremost priority. While working as a mechanic, Han Tae-San learned how to repair trains and went on to work for a train maintenance company. Ever since he was a little boy, Han Tae-Sul’s goal has been to invent a time machine and travel to the past. Take-Sul entered university sooner than others his age and met Eddie Kim who later became his business partner. Tae-San gave up plans he had for his own future so he could take care of his little brother, believing in Tae-Sul’s ability to make it big in the world of engineering. When he was very young his parents passed away and he lived with his older brother, Han Tae-San, in a semi-basement that was located in a shantytown until he graduated from middle school. The guy is an engineering genius whose amazing inventions have bankrupted many companies. The CEO of South Korea’s most valuable company, Quantum & Time, is the man who sports the nicknames “Engineering Heartthrob” and “Sexy Brainiac” – Han Tae-Sul. Her one and only desire is to prevent her mother’s death by making sure the war never takes place. As a result, she is an amazing sharp-shooter and can outfight several men at the same time. 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Twenty years after a nuclear war destroyed the Korean Peninsula, a tough-as-nails young woman named Gang Seo-Hae takes a trip via the “uploader” back to the year 2020, intent on preventing the war from taking place. ![]() We just don’t know it yet.” – Sisyphus: The Myth As I neared the end of Sisyphus: The Myth I instinctively mumbled something under my breath, a word I had heard my dad utter hundreds of times while I was growing up, “screwy.” This fantasy drama has superb characters, amazing CGI, excellent special effects, wonderful acting, a fantastic villain, and a suspenseful plot, all nestled inside some “screwy” time travel writing. Simple random sampling in research8/12/2023 ![]() ![]() We believe that addressing these sampling considerations at each of these stages will increase the likelihood that the mixed methods researcher will uphold interpretive consistency during the meaning-making process.ĭer Beitrag unterstreicht die Bedeutung der Stichprobenziehung und Fallauswahl in allen Mixed Methods-Projekten. Building on this six-element framework, we outline how focusing on sampling considerations at the four stages of the mixed methods research process, which includes the dissemination stage of reporting the mixed methods research findings to stakeholders, enhances significantly the process of meaning making. In an earlier work, we identified six sampling-based considerations that all mixed methods researchers should make at the four broad stages (i. e., research conceptualization, research planning, research implementation, and research dissemination stages) of the mixed methods research process: emtic orientation, probabilistic orientation, abductive orientation, intrinsic versus instrumental orientation, particularistic versus universalistic orientation, and philosophical clarity. Further, these inferences are only of a quality nature if interpretive consistency occurs, which represents the justifiableness of the type of generalization made, given the sampling design. Effective meaning making in mixed methods research studies is very much dependent on the quality of inferences that emerge, which, in turn, is dependent on the quality of the underlying sampling design. ![]() The purpose of this article is to emphasize the importance of sampling in all mixed methods research studies. 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Plex audio8/12/2023 ![]() ![]() You must want to know how the Plex app works and which Plex client devices you could use to enable the Dolby Atmos experience. Don’t forget that the other connected devices must also support this audio format, such as the TV and sound system. So, can Plex play Dolby Atmos?Īs long as the devices hosting the Plex client app support Dolby Atmos, you can enjoy the surround audio effects when streaming media files from a Plex server. While it provides a great browsing experience, with the latest codecs support, the experience can be enhanced way further. Unlike other streaming apps, the solution provides a way to manage favorite media collections in one place. Also this opens up the possibility to add ones in your native language.Plex, which offers the ability to create your own library of movies, videos, shows, and more, is attracting the attention of more and more users. ![]() I hate not having the option to do this in Roon. Stupid album review? Delete it and add another. You as a user can change many things… no Artist bio? No problem, add your own. The last few weeks I’m using Plex more at home as Roon is annoying me endlessly with the volume -hijack issues on both iPhone and iPad…so I often no longer bother to open the Roon app and use Plexamp instead to stream over Chromecast. Not only is it a beautiful looking app, it works flawless for streaming my own music AND Tidal as well. Roon does nothing for me once I step out the door. Soundwise Chromecast is perfectly fine so both Plex using Chromecast or Roon using raat sound great.īut that’s at home, on you own network. Also not all my endpoints have Chromecast so I can’t stream to my headphone set up using Plex currently….I might flash Volumio on a rpi to make that possible though. I’ve been a lifetime roon user since 2015 and still using it so I obviously like itīut a Plex user even longer and still use it as well for both video and audio.Īt home, for multroom, roon is easier to use. Given that NOTHING is perfect, use whatever works for you! The bottom line for me is that while Roon excels at music file management and playback, it does NOT handle movies or TV series video files at all, which means my ONLY choice is to run Plex, which I don’t use for music playback. Where Roon is concerned, I never have to search for anything because it catalogs everything perfectly, every time. ![]() While unpredictable file naming results do occassionally pop up with Plex, I’ve always been able to resolve those issues it just takes tweaking. 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