Form G-1450, Authorization for Credit Card Transactions
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VX690 User Manual
Sivu 1(36) 28.9.2016 VX690 User Manual English Author: Verifone Finland Oy Date: 28.9.2016 Pages: 20 Sivu 2(36) 28.9.2016 INDEX: 1. BEFORE USE ............................................................................................................................... 5 1.1 Important ......................................................................................................................................... 5 1.2 Terminal Structure ......................................................................................................................... 6 1.3 Terminal start-up and shutdown .................................................................................................. 6 1.4 Technical data ................................................................................................................................ 7 1.5 Connecting cables ......................................................................................................................... 7 1.6 SIM-card.......................................................................................................................................... 8 1.7 Touchscreen ................................................................................................................................... 8 1.8 Using the menus ............................................................................................................................ 9 1.9 Letters and special characters.................................................................................................... -
Divest Invest February 2018 (Compressed)
Divest from the past, invest in the future. www.divestinvest.org Disclaimer: Divest Invest assumes no legal or financial responsibility for the practices, products, or services of any businesses listed. The funds listed are examples, not recommendations. Please read all materials carefully prior to investing. This presentation will cover: • What the Paris Agreement means for investors 3 • What is Divest Invest 7 • Divest Invest is the prudent financial choice 12 • Divest Invest fulfills fiduciary duty 21 • Fossil free investing: from niche to mainstream 27 • Divest Invest options for every asset class 31 2 What the Paris Agreement means for investors WHAT THE PARIS AGREEMENT MEANS FOR INVESTORS Under the Paris Agreement, world governments commit to keep global temperature rise to well below 2°C and to pursue efforts to limit it to 1.5°C. To achieve this, up to 80% of fossil fuel reserves can’t be burned. They are stranded assets whose economic value won’t be realized. Investors are sitting on a carbon bubble. Climate risks, including stranded assets, pose a material threat to investor portfolios now, say a growing chorus of financial regulators, asset managers, analysts, policymakers and … oil companies: 4 WHAT THE PARIS AGREEMENT MEANS FOR INVESTORS The Paris Agreement Mark Carney Warns Investors Face signals to markets that ‘Huge’ Climate Change Losses (9/29/15) the global clean energy transition is underway and accelerating. Shell CEO Ben Van Beurden Has Seen Prudent investors are The Future—And It’s Several Shades heeding the call. -
USDA Single Family Housing Guaranteed Loan Program
USDA Single Family Housing Guaranteed Loan Program No down payment loans for rural borrowers with incomes below 115 percent of area median income as defined by USDA BACKGROUND AND PURPOSE BORROWER CRITERIA The U.S. Department of Agriculture’s (USDA) Income limits: This program is limited to borrowers Single Family Housing Guaranteed Loan Program with incomes up to 115 percent of AMI (as defined by (Guaranteed Loan Program) is designed to serve eli- USDA). Approximately 30 percent of Guaranteed Loans gible rural residents with incomes below 115 percent are made to families with incomes below 80 percent of of area median income or AMI (see USDA definition in AMI. An applicant must have dependable income that overview) who are unable to obtain adequate hous- is adequate to support the mortgage. ing through conventional financing. Guaranteed Loans Credit: Borrowers must have reasonable credit his- are originated, underwritten, and closed by a USDA tories and an income that is dependable enough to approved private sector or commercial lender. The support the loans but be unable to obtain reasonable Rural Housing Service (RHS) guarantees the loan at credit from another source. 100 percent of the loss for the first 35 percent of the original loan and 85 percent of the loss on the remain- First-time homebuyers: If funding levels are limited ing 65 percent. The program is entirely supported by near the end of a fiscal year, applications are prioritized the upfront and annual guarantee fees collected at the to accommodate first-time homebuyers. time of loan origination. Occupancy and ownership of other properties: The dwelling purchased with a Guaranteed Loan must be PROGRAM NAME Single Family Housing Guaranteed Loan Program AGENCY U.S. -
How to Find the Best Credit Card for You
How to find the best credit card for you Why should you shop around? Comparing offers before applying for a credit card helps you find the right card for your needs, and helps make sure you’re not paying higher fees or interest rates than you have to. Consider two credit cards: One carries an 18 percent interest rate, the other 15 percent. If you owed $3,000 on each and could only afford to pay $100 per month, it would cost more and take longer 1. Decide how you plan to pay off the higher-rate card. to use the card The table below shows examples of what it might You may plan to pay off your take to pay off a $3,000 credit card balance, paying balance every month to avoid $100 per month, at two different interest rates. interest charges. But the reality is, many credit card holders don’t. If you already have a credit card, let APR Interest Months history be your guide. If you have carried balances in the past, or think 18% = $1,015 41 you are likely to do so, consider 15% = $783 38 credit cards that have the lowest interest rates. These cards typically do not offer rewards and do not The higher-rate card would cost you an extra charge an annual fee. $232. If you pay only the minimum payment every month, it would cost you even more. If you have consistently paid off your balance every month, then you So, not shopping around could be more expensive may want to focus more on fees and than you think. -
Single Family Home Loan Guarantees
Together, America Prospers Single Family Home Loan Guarantees What does this Who may apply for this program? What are applicant qualifications? Applicants must: • Income. Non-Self-Employed: program do? One-year history required. • Have a household income that does not exceed 115% of median Self-Employed and Seasonal: This no downpayment, household income.* Two-year history required. 100% financing program assists • Agree to occupy the dwelling as • Assets. No downpayment or approved lenders in providing their primary residence. reserves required. low- and moderate-income • Be a U.S. citizen, U.S. non-citizen • Credit. Must demonstrate a households the opportunity to national, or Qualified Alien. willingness and ability to repay debts. No set score requirement. • Be unable to obtain conventional own adequate, modest, decent, Alternative credit allowable for those financing with no private mortgage safe and sanitary dwellings as with no traditional credit. insurance (PMI). their primary residence in eligible • Monthly housing payment. Total • Not be suspended or debarred from payment (principal, interest, taxes, rural areas. participation in federal programs. insurance, HOA dues, RD annual fee) typically should not exceed Eligible applicants may purchase What properties are eligible? 29% of gross monthly income. existing homes (which may • Must be located within an eligible • All monthly debt payments. All rural area.* include costs to rehabilitate, payments included on credit report, • Must be a single-family dwelling including proposed new mortgage improve or relocate the dwelling) (may include detached, attached, payment, typically should not exceed or build new. PUD, condo, modular, and 41% of gross monthly income. manufactured). Student loan payments. Fixed USDA provides a loan note • Must meet HUD 4000.1 payment: use actual payment or 1% of loan balance. -
Unionpay: Visa and Mastercard's Tough Chinese Rival
1.35% AXP American Express Co $66.0 USD 0.87 1.32% Market data is delayed at least 15 minutes. Company Lookup Ticker Symbol or Company Go Among the myriad designer brands at the Harrods flagship store in London, Chinese housewife Li Yafang spotted a corporate logo she knows from back home: the red, blue, and green of UnionPay cards. “It’s very convenient,” said Li, 39, as a salesperson rang up a £1,190 ($1,920) Prada Saffiano Lux handbag. With 2.9 billion cards in circulation—equal to 45 percent of the world’s total last year—UnionPay has grown into a payments processing colossus just 10 years after the company was founded. Now accepted in 135 countries, its share of global credit- and debit-card transaction volume for the first half of 2012 rose to 23.8 percent, propelling it to No. 2 behind Visa International (V), according to the Nilson Report, an industry newsletter. “UnionPay has absolute dominance in China, and it’s now expanding beyond that to become a top global player,” says James Friedman, an analyst at Susquehanna International Group. “Their numbers show they are already in the league of Visa and MasterCard (MA).” Yin Lian, UnionPay’s name in Mandarin, means “banks united,” which reflects its ownership structure. Its founding shareholders were 85 Chinese banks, led by the five biggest state-owned lenders. UnionPay’s top managers are former senior officials at the People’s Bank of China, the nation’s central bank. (The company would not make executives available for interviews.) At home, the Shanghai-based firm enjoys a big competitive edge: The government requires that all automated teller machines and Chinese merchants use UnionPay’s electronic payments network to process payments in the local currency. -
The Selnolig Package: Selective Suppression of Typographic Ligatures*
The selnolig package: Selective suppression of typographic ligatures* Mico Loretan† 2015/10/26 Abstract The selnolig package suppresses typographic ligatures selectively, i.e., based on predefined search patterns. The search patterns focus on ligatures deemed inappropriate because they span morpheme boundaries. For example, the word shelfful, which is mentioned in the TEXbook as a word for which the ff ligature might be inappropriate, is automatically typeset as shelfful rather than as shelfful. For English and German language documents, the selnolig package provides extensive rules for the selective suppression of so-called “common” ligatures. These comprise the ff, fi, fl, ffi, and ffl ligatures as well as the ft and fft ligatures. Other f-ligatures, such as fb, fh, fj and fk, are suppressed globally, while making exceptions for names and words of non-English/German origin, such as Kafka and fjord. For English language documents, the package further provides ligature suppression rules for a number of so-called “discretionary” or “rare” ligatures, such as ct, st, and sp. The selnolig package requires use of the LuaLATEX format provided by a recent TEX distribution, e.g., TEXLive 2013 and MiKTEX 2.9. Contents 1 Introduction ........................................... 1 2 I’m in a hurry! How do I start using this package? . 3 2.1 How do I load the selnolig package? . 3 2.2 Any hints on how to get started with LuaLATEX?...................... 4 2.3 Anything else I need to do or know? . 5 3 The selnolig package’s approach to breaking up ligatures . 6 3.1 Free, derivational, and inflectional morphemes . -
Mastercard Frequently Asked Questions Platinum Class Credit Cards
Mastercard® Frequently Asked Questions Platinum Class Credit Cards How do I activate my Mastercard credit card? You can activate your card and select your Personal Identification Number (PIN) by calling 1-866-839-3492. For enhanced security, RBFCU credit cards are PIN-preferred and your PIN may be required to complete transactions at select merchants. After you activate your card, you can manage your account through your Online Banking account and/or the RBFCU Mobile app. You can: • View transactions • Enroll in paperless statements • Set up automatic payments • Request Balance Transfers and Cash Advances • Report a lost or stolen card • Dispute transactions Click here to learn more about managing your card online. How do I change my PIN? Over the phone by calling 1-866-297-3413. There may be situations when you are unable to set your PIN through the automated system. In this instance, please visit an RBFCU ATM to manually set your PIN. Can I use my card in my mobile wallet? Yes, our Mastercard credit cards are compatible with PayPal, Apple Pay®, Samsung Pay, FitbitPay™ and Garmin FitPay™. Click here for more information on mobile payments. You can also enroll in Mastercard Click to Pay which offers online, password-free checkout. You can learn more by clicking here. How do I add an authorized user? Please call our Member Service Center at 1-800-580-3300 to provide the necessary information in order to qualify an authorized user. All non-business Mastercard account authorized users must be members of the credit union. Click here to learn more about authorized users. -
![(B) Dz[F(Z)+G(Z)]=Dzf(Z)+Dzg(Z), (C) Dz\F(Z)G(Z) ] = [Dzf(Z)}G(Z) +F(Z)Dzg(Z). II](https://docslib.b-cdn.net/cover/1250/b-dz-f-z-g-z-dzf-z-dzg-z-c-dz-f-z-g-z-dzf-z-g-z-f-z-dzg-z-ii-701250.webp)
(B) Dz[F(Z)+G(Z)]=Dzf(Z)+Dzg(Z), (C) Dz\F(Z)G(Z) ] = [Dzf(Z)}G(Z) +F(Z)Dzg(Z). II
EXTENSION OF THE DERIVATIVE CONCEPT FOR FUNCTIONS OF MATRICES R. F. RINEHART 1. Introduction. Let Mr and Mq denote the set of all square matri- ces of order n over the real and complex fields, respectively. By a function f(Z) of a matrix Z of Mr (or M(j) is meant a mapping of a subset of Mr(Mc) into Mr(Mc). The question with which this paper is concerned is the establishment of suitable concepts of differentiabil- ity and derivative for such functions. A meaningful and useful definition of these concepts, should of course bear some noticeable resemblance to the analogous concepts for scalar functions. In addition the derivative should preserve some of the elementary properties of the derivative for scalar functions. A modest set of such desirable properties is: I (a) lif(Z) is a constant, then Dzf(Z) =0, (b) Dz[f(Z)+g(Z)]=Dzf(Z)+Dzg(Z), (c) Dz\f(Z)g(Z)] = [Dzf(Z)}g(Z)+f(Z)Dzg(Z). An additional important desired attribute, perhaps more strin- gent, is II The definitions of differentiability and derivative shall be applicable and meaningful when applied to the special functions on Mq arising from scalar functions of a complex variable [2]. For example, it would be desirable that the function ez turn out to be differentiable, accord- ing to the general definition of differentiability of functions on Mq. In the fairly extensive literature on functions defined on Mr or Mc, or more generally on linear algebras with unit element over R or C, no definition of derivative has been given which satisfactorily fulfills requirements I and II. -
Money Talks, Banks Are Talking: Dakota Access Pipeline Finance Aftermath
UCLA The Indigenous Peoples’ Journal of Law, Culture & Resistance Title Money Talks, Banks are Talking: Dakota Access Pipeline Finance Aftermath Permalink https://escholarship.org/uc/item/1043285c Journal The Indigenous Peoples’ Journal of Law, Culture & Resistance, 6(1) ISSN 2575-4270 Authors Cook, Michelle MacMillan, Hugh Publication Date 2020 DOI 10.5070/P661051237 eScholarship.org Powered by the California Digital Library University of California MONEY TALKS, BANKS ARE TALKING: Dakota Access Pipeline Finance Aftermath Michelle Cook* and Hugh MacMillan+ Abstract This Article provides a Dakota Access Pipeline (DAPL) finance and divestment campaign retrospective. The Article explains: 1) how DAPL was financed, highlighting the dynamic in which banks take fees for the privilege of financing and refinancing pipeline debt; and 2) how joint venture ownership structures and corporate finance arrangements buffered against efforts to hold DAPL banks accountable. At the same time, many of the same banks finance gun industry and prison industry growth, alongside increased police militarization. Although, intersec- tional visibility of these financial ties is a start, victims of the financial industry lack enforceable corporate accountability mechanisms for seek- ing redress. DAPL banks managed to deflect divestment pressure and avoid meaningful remedial actions. These observations point to the need for systemic changes in corporate accountability mechanisms but also to reclaim and reimagine a world outside of capital, of future self-de- termined -
Interest Rates, Interest Charges, and Fees – Platinum Card Interest Rates and Interest Charges Annual Percentage Rate 14.99% to 22.99%, Based on Your Creditworthiness
Interest Rates, Interest Charges, and Fees – Platinum Card Interest Rates and Interest Charges Annual Percentage Rate 14.99% to 22.99%, based on your creditworthiness. (APR) for Purchases This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 0.00% Introductory APR for the first fifteen months. After that, your APR will be 14.99% to 22.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 24.99% This APR will vary with the market based on the Prime Rate. Penalty APR and When it None Applies Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00. For Credit Card Tips from To learn more about factors to consider when applying for or using a credit card, the Consumer Financial visit the website of the Consumer Financial Protection Bureau at Protection Bureau http://www.consumerfinance.gov/learnmore/. Fees Annual Fee None Transaction Fees • Balance Transfer Either $10 or 4% of the amount of each transfer, whichever is greater. • Cash Advance Either $10 or 4% of the amount of each cash advance, whichever is greater. • Foreign Transaction 3% of the U.S. Dollar amount of each such transaction. -
Proposal for Generation Panel for Latin Script Label Generation Ruleset for the Root Zone
Generation Panel for Latin Script Label Generation Ruleset for the Root Zone Proposal for Generation Panel for Latin Script Label Generation Ruleset for the Root Zone Table of Contents 1. General Information 2 1.1 Use of Latin Script characters in domain names 3 1.2 Target Script for the Proposed Generation Panel 4 1.2.1 Diacritics 5 1.3 Countries with significant user communities using Latin script 6 2. Proposed Initial Composition of the Panel and Relationship with Past Work or Working Groups 7 3. Work Plan 13 3.1 Suggested Timeline with Significant Milestones 13 3.2 Sources for funding travel and logistics 16 3.3 Need for ICANN provided advisors 17 4. References 17 1 Generation Panel for Latin Script Label Generation Ruleset for the Root Zone 1. General Information The Latin script1 or Roman script is a major writing system of the world today, and the most widely used in terms of number of languages and number of speakers, with circa 70% of the world’s readers and writers making use of this script2 (Wikipedia). Historically, it is derived from the Greek alphabet, as is the Cyrillic script. The Greek alphabet is in turn derived from the Phoenician alphabet which dates to the mid-11th century BC and is itself based on older scripts. This explains why Latin, Cyrillic and Greek share some letters, which may become relevant to the ruleset in the form of cross-script variants. The Latin alphabet itself originated in Italy in the 7th Century BC. The original alphabet contained 21 upper case only letters: A, B, C, D, E, F, Z, H, I, K, L, M, N, O, P, Q, R, S, T, V and X.