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12-16-23 14:23 #7141
Posts: 1225Originally Posted by FunLuvr [View Original Post]
If you look on Google (or I assume XE as well) you will notice the exchange rates start going up and down starting around 8 am (on business days) and it can peak and dip through out the day until around 5 pm. But those peaks and dips are called Intraday and mean nothing, only when it stops moving for the day around 5 pm that is the rate that will affect the ATM rate in the days that follow.
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12-16-23 07:10 #7140
Posts: 1040Originally Posted by Gabacho [View Original Post]
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12-16-23 06:28 #7139
Posts: 1281Originally Posted by FunLuvr [View Original Post]
Please let us know at the end of the month whether Schwab refunds it or not.
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12-16-23 03:41 #7138
Posts: 1225Originally Posted by FunLuvr [View Original Post]
See attached screenshots.
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12-16-23 03:31 #7137
Posts: 1225Originally Posted by FunLuvr [View Original Post]
You can also try using Banco Caja Social but they only let you withdraw 300 mil at a time (but you can do as many fee-free withdrawals as need be) and have a bad habit of giving out 100 mil notes.
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12-16-23 03:02 #7136
Posts: 1225Originally Posted by FunLuvr [View Original Post]
What you experienced is the exchange rate being applied to your transaction being slightly different than the exchange rate you saw online. I don't use XE or Visa exchange rates but I will look up "usd to cop" on Google and this will show an exchange rate for the current day as well as previous days.
Usually if you take the Google rate from the previous day or 2 days before, this is what you will get from Davivienda ATM machines, however sometimes it's about 50 COP per dollar higher and sometimes it's about 50 COP lower than what Google says (a negligible difference considering it currently takes 4000 to make one dollar, or 3960 LOL).
I have noticed that when the Google rate tends to be going up higher for the past cpl days before using the ATM then Davivienda will give about 50 cop per dollar over Google and when usd / cop is trending down Davivienda will give about 50 cop under Google.
The only logical explanation is that Davivienda uses a different exchange rate. It's not a fee because they legally have to ask you to accept it if it is a fee.
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12-15-23 22:34 #7135
Posts: 1040Possible Davivienda ATM fee
In the past, it was rather consistent, the ATM exchange rate would follow the XE.com rate by two days and be almost the same as the Visa foreign exchange rate of the day of the transaction. That may not have been true today. The Visa rate is 3999.43. I went to a Davivienda ATM and withdrew 2,000,000 and immediately afterward withdrew 1,520,000, declining the bank exchange rate each time. When I checked my Schwab bank account, I received 3969.67/1 for the 2,000,000 transaction and 3960.21/1 for the 1,520,000 transaction. The receipt shows 0 transaction fee. Analyzing those transactions indicates that Davivienda is now charging 15,000 transaction fee. That wouldn't be a problem if they specified a transaction fee, since Schwab will refund any fee that is listed separately. I'm curious if anyone else has had a similar experience with Davivienda. I used the ATM on LA 70 in Laureles. I think Davivienda has been almost the last bank to not charge ATM fees. That may have changed.
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11-29-23 04:16 #7134
Posts: 134Originally Posted by Gabacho [View Original Post]
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11-28-23 00:12 #7133
Posts: 1225Colombia Crime Statistics
Originally Posted by JohnnieCash [View Original Post]
However you fail to take into account that many of the 1,648,388 criminal acts that were reported were most likely committed by the same people committing multiple crimes. It's not like its one crime per one person, then they just stop. I'm willing to bet that there are groups of people committing many crimes per person before they get caught and prosecuted and if that is the case then the percentage of people commiting the crimes in respect to the total amount of crimes being reported would be a different percentage than the 0. 7% that you stated.
Also what about crimes that go unreported in the first place?
What about organized crime syndicates that have the police in their pockets?
What about police themselves who are committing crimes?
As you can see the issue is not as cut and dry as you suggested.
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11-27-23 22:32 #7132
Posts: 1088Originally Posted by JohnnieCash [View Original Post]
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11-27-23 17:44 #7131
Posts: 134Lawless
According to the statistics, the Prosecutor General's Office successfully prosecuted 11,816 criminals in 2022, which is 0. 7% of the 1,648,388 crimes reported by citizens.
So it seems that a criminal has about 99% chance of not being prosecuted.
https://colombiareports.com/colombia...stics-suggest/
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11-24-23 18:19 #7130
Posts: 372Splitting hairs at this point.
Originally Posted by Huacho [View Original Post]
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11-24-23 01:41 #7129
Posts: 688Originally Posted by Dcfan77 [View Original Post]
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11-23-23 18:32 #7128
Posts: 1225Originally Posted by LoveItHere [View Original Post]
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11-23-23 09:02 #7127
Posts: 84Between Christmas and New Years, which is better in terms of available street girls? Cucuta or Medellin? One way I think the Cucuta girls will all return to Venezuela for the holidays. Then I think many will stay for the money or not have enough money to return. Blah blah blah. I only need to hear from the guys that have actually been in Cucuta at Christmas and New Years. What the rest of us think does not matter.