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[QUOTE=Mateocast98;2529378]For those of you who have the Charles Schwab debit card, which ATMs do you use for the best rates? Also if you could include whether or not you accept the provided currency exchange rate, much thanks![/QUOTE]Any machine. Do not accept the rate. I even fucked up last month and clicked yes on a $15 commission and $7.99 fee on a machine in Mexico and Schwab gave all of it back to me last week.
[QUOTE=Mateocast98;2529378]For those of you who have the Charles Schwab debit card, which ATMs do you use for the best rates? Also if you could include whether or not you accept the provided currency exchange rate, much thanks![/QUOTE]This kind of question gets raised all the time and people just don't understand how it works. (For US cardholders only, Europe is different and I can't pretend to know how their system works).
You get the Visa Exchange Rate when you withdraw money. So, if you go to a bank that charges a fee (BanColombia, Servibanca etc) you still get the Visa Exchange Rate but they charge a fee so you.
Get a little less, but, of course, Schwab reimburses those fees at the end of the month.
As far as banks that don't charge a fee (Colpatria, BBVA, Banco Pichincha, Banco Davivienda) you will get the same Visa Exchange Rate.
So what is the Visa Exchange Rate? It is set daily based on the international exchange transactions ([URL]XE.com[/URL] will show you what the international exchange rate is at any moment in time). The Visa rate.
For the next day is set around midnight. It will be the same rate all day long because they only update it daily. On Friday night they set the rate for the weekend. It won't change until Monday at midnight.
Which means the rate stays the same for 3 days.
So, in theory if you look at the XE rate and you see the dollar is slumping you can withdraw funds and you will be better off than if you wait until the next day.
Next point you never, ever, not ever accept the currency exchange rate that the bank offers. If they offer it you say NO. Why? Because that rate is 5% (or more) less than the Visa Exchange Rate.
They ask this question because some uninformed people accept and it is just a give away.
That should about cover it.
[QUOTE=Yetiecv;2529100]Another note, I currently have a 24 why / o gorgeous chica I met on Seeking arrangement coming over (I did a one month membership at a "discount" for $60). I asked her a price multiple times and she insist she isn't a prepago. Which could be true but still a little nervous because it's always something,[/QUOTE]You asked; she said she was not. Why do you have concerns about going on a regular date with her? I probably would not even have asked the first time. I just have normal conversations with people. If they are P4P then it will come out in the wash. I am flexible and am just looking for good times no matter how they come, but I know some guys are only looking for P4P.
[QUOTE=MrEnternational;2529399]You asked; she said she was not. Why do you have concerns about going on a regular date with her? I probably would not even have asked the first time. I just have normal conversations with people. If they are P4P then it will come out in the wash. I am flexible and am just looking for good times no matter how they come, but I know some guys are only looking for P4P.[/QUOTE]Really? I go right for PFP. In my experience 99% are all down for it. Some look for boyfriends, but they all want the money and seem down for it if the deal is right.
[QUOTE=Mateocast98;2529378]For those of you who have the Charles Schwab debit card, which ATMs do you use for the best rates? Also if you could include whether or not you accept the provided currency exchange rate, much thanks![/QUOTE]I use Scotiabank Colpatria ATM's. They do not charge any fees, and you can withdraw 4,500,000 COP per day (five 900,000 withdrawals). I know Schwab will refund any fees charged by the banks as long as the fees are specified separate from the amount you receive, but I don't want to reward a bank for charging fees that other banks don't charge. BBVA does not charge fees, but their withdrawal limits are lower. Davivienda doesn't charge fees, but there have been reports that they will withdraw money from your account without dispensing any money. Maybe they have fixed that problem.
[QUOTE=Surfer500;2529299] And totally weird needing a reservation to go the beach in Santa Marta, so I'm assuming you could walk along the Malecon?[/QUOTE]Here's the link my hotel told me I needed to use to make a beach reservation. It's suppose to work after midnight for visiting the beach that date. Never worked for me but I had no problem entering thru the checkpoint using just my passport photocopy.
[URL]http://reservas.santamarta.gov.co/[/URL]
I always go to Rodadero Beach near Santa Marta. They now have both the beach and the malecon fenced off so you need to enter thru a checkpoint. Beach road is closed to vehicular traffic and is now the pedestrian walkway. A couple cars are allowed for whatever special reasons along with the horse and buggy carriages.
[QUOTE=FunLuvr;2529431] Davivienda doesn't charge fees, but there have been reports that they will withdraw money from your account without dispensing any money. Maybe they have fixed that problem.[/QUOTE]Reportedly there have recently been some issues with what's called "cash trapping" in Colombia. That may not be the problem, but is something to keep in mind.
[URL]https://medium.com/@netsentries/beware-of-atm-cash-trapping-9421e498dfcf[/URL]
[URL]https://www.facebook.com/100000938824995/videos/pcb.4558251780882738/4558251184216131[/URL]
[QUOTE=FunLuvr;2529431]I use Scotiabank Colpatria ATM's. They do not charge any fees, and you can withdraw 4,500,000 COP per day (five 900,000 withdrawals). I know Schwab will refund any fees charged by the banks as long as the fees are specified separate from the amount you receive, but I don't want to reward a bank for charging fees that other banks don't charge. BBVA does not charge fees, but their withdrawal limits are lower. Davivienda doesn't charge fees, but there have been reports that they will withdraw money from your account without dispensing any money. Maybe they have fixed that problem.[/QUOTE]Can you go to banks with USD and exchange it?
I rather go to banks and get 100 mil notes.
[QUOTE=Slowalk;2529368]Great pictures but, did you go to Colombia for dental work?[/QUOTE]Yes and No, I came to Medellin to meet girls, in the process, I found out that many of the girls in Medellin had perfect teeth, I wanted to know how they did it and was introduced to a cosmetic dentist. I did a consult, got a price and the rest is history, I am more than satisfied with my results. Most of the people who see me in the US are amazed at the quality of work that the dentist in Medellin did, if you would like his information you'll have to PM me, if not a member then it will be difficult to make contact. There are many dentist you can see in Medellin, I am more than pleased with the once I was recommended. Hope this helped out a little bit, Pollo Negro is out!
[QUOTE=Sangnyc21;2529441]Can you go to banks with USD and exchange it?
I rather go to banks and get 100 mil notes.[/QUOTE]I suspect that Colombian banks, if they will do currency exchange will only do it for their account holders. From my research 2 years ago I found that US banks were all over the place with exchange rates. Huge differences.
If I need currency exchange in Medellin, I go to Oviedo mall. There are several Cambios and most have their current rate displayed, so you can compare without going inside.
100 mil notes? Give me 50's. They're easier to break so I can get enough small bills.
[QUOTE=Sangnyc21;2529441]Can you go to banks with USD and exchange it?
I rather go to banks and get 100 mil notes.[/QUOTE]I think you have to have an account at the bank in order to exchange USD's.
These fotos after I was giving it to her straight up fucking and oral for about an hour, which pulls her lips out. She wanted me to tell you guys that she loves it if you enjoy looking at her pussy. I've asked her twice if she wanted me to put her contact info out there and she said no. But she gets turned on by the thought of a bunch of mongerers staring at her pussy. As you can see, she was happy to assist. She is very tight, and has good muscle control. I told her next I was going to "six-pack" her with one hand doggy style, my thumb in her ass and finger in her pussy at the same time, and she just giggled. More fotos to follow.
[QUOTE=Villainy;2529397]This kind of question gets raised all the time and people just don't understand how it works. (For US cardholders only, Europe is different and I can't pretend to know how their system works).
You get the Visa Exchange Rate when you withdraw money. So, if you go to a bank that charges a fee (BanColombia, Servibanca etc) you still get the Visa Exchange Rate but they charge a fee so you.
Get a little less, but, of course, Schwab reimburses those fees at the end of the month.
As far as banks that don't charge a fee (Colpatria, BBVA, Banco Pichincha, Banco Davivienda) you will get the same Visa Exchange Rate.
So what is the Visa Exchange Rate? It is set daily based on the international exchange transactions ([URL]XE.com[/URL] will show you what the international exchange rate is at any moment in time). The Visa rate.
For the next day is set around midnight. It will be the same rate all day long because they only update it daily. On Friday night they set the rate for the weekend. It won't change until Monday at midnight.
Which means the rate stays the same for 3 days.
So, in theory if you look at the XE rate and you see the dollar is slumping you can withdraw funds and you will be better off than if you wait until the next day.
Next point you never, ever, not ever accept the currency exchange rate that the bank offers. If they offer it you say NO. Why? Because that rate is 5% (or more) less than the Visa Exchange Rate.
They ask this question because some uninformed people accept and it is just a give away.
That should about cover it.[/QUOTE]Wait, so you're saying that I have an option of declining the conversion rate that the ATM displays? The ATM usually informs me that in addition to the flat fee (which Schwab reimburses) there is a 5-7% conversion fee. We can actually decline that and still get cash out of Colombian ATMs? I was under the impression that declining the rate means that you the transaction wouldn't be processed.
[QUOTE=MrEnternational;2529399]You asked; she said she was not. Why do you have concerns about going on a regular date with her? I probably would not even have asked the first time. I just have normal conversations with people. If they are P4P then it will come out in the wash. I am flexible and am just looking for good times no matter how they come, but I know some guys are only looking for P4P.[/QUOTE]You are exactly right, It was a great time and up all night. I guess my biggest concern was this was 10 or 11 pm when she finally showed up. We had a blast though, no p4 p. Ill leave a good detailed trip report when I get back to the hotel. Currently in El Centro and just left Zendaya.
I was looking at prepago ads on Milroticos and Photoprepagos I am seeing ads for some top-tier looking prepagos for average 60,000 COP for an hour?! That's like $17.00 USD!
Is this for real? Have the prepagos really become this desparate? That really puts the pandemic into economic perspective for Colombia. WOW!