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PDF Editor FAQ

Why haven’t bank cheques been completely replaced with the latest technology?

The latest technology is to have a card, and some way to authorize the use of that card.Usually whatever authorization method they use is not very secure.For example, for the chip and PIN systems from Europe, which are supposed to be secure, there are at last 16 ways to subvert them.One of these is a called a “pre-play attack”.When the chip and PIN systems started making the checkouts at Safeway stores in California start taking a significantly longer time, which would mean they’d get backed up, and might end up having to hire more cashiers, Safeway built the pre-play attack into their card authorization machines at the check stand.You need to stop and think a second about that.When Safeway determined that there was a conflict between security and ease of use, they made the trade-off in favor of ease of use (and hiring fewer cashiers).Under Bill Clinton, there was a credit reform act passed.Among other things, it meant that the responsibility for credit card losses was shifted from the credit card company to the merchant.This phased in as soon as the supposedly “more secure” technology phased in.In most places, they do not require a signature for credit cards — even credit cards designated “chip and signature” to avoid the pre-play attack of “chip and PIN” — for very, very large amounts of money.It used to be $10, and then it was $25, then it was $50.I was informed by a merchant the other day that they do not require a signature on amounts under $200 (!). That’s insane.As soon as most debit cards turned into credit cards — you can get a debit card without the “VISA” or other credit card company dong the collections, but you have to shop around, and it’s mostly only credit unions offering them — those rules also applied to debit cards.And because they were able to engage in this cost-shifting, they were fine with the technology being less secure.And so it is.Bank checks have not gone away because there are some people who are simply not willing to take credit cards, or credit card company backed debit cards.Landlords are an example.If I’m a landlord (I am, actually), I’d have to be an utter moron to accept credit card, debit card-with-logo, or practically any other form of electronic payment.Because you could pay your deposit on a card, then pay the first and second months rent on a card.And then, when it came time to pay the third month’s rent, you could have trashed the place, be long gone, and dispute the card charges.And I’d have to eat all that.Or…You could be evicted, but because I can’t stop you sending me money, the law in California means that if I accept the money, I am accepting it as full payment.So if I start an eviction proceeding, and the payment comes in? I’ve accepted payment, and the court dismisses the eviction proceeding — you are practically eviction-proof.If I try to charge to a fee for something, like destroying a built-in microwave, or flushing disposable diapers down the toilet and causing a flood, and the payment comes in? I’ve accepted payment, which renders it payment in full, which renders the fee forgiven.You can damn well be certain that there are some things for which I will only accept a bank check, and you can stuff your card … some place uncomfortable.

How do you spot a new gun buyer at an online shop? Is it legal in the USA?

Thank you a2a bot.As an owner of 4 gun shops, I used to sell guns online. I always spotted new gun buyers online by their order. They would always and repeatedly try to buy things online that were illegal in their state.For example, I had a guy in San Diego, California buy an AK-47 with a bayonet, 6 30 round magazines, a 75 round drum magazine and 5,000 rounds of 7.62 x 54 (ak ammo is 7.62x39).One of my employees noticed and reported it to me. I called the guy to see if he was law enforcement. He wasn't. He was a hairdresser by trade. So I informed him his order was illegal and I was going to issue a 50% refund.He went off. It's not illegal! If it was illegal why did your site allow me to order it blah BA blah BA blah. Eventually, he threatened to sue me and eventually I got served a lawsuit but it was quickly squashed. He did not get his refund. It went for the lawyer by judges order.Now it is legal to buy a gun online in the united states. However, it must be shipped to an FFL holder. They are responsible for performing the federally required background check. You cannot sell firearms across state lines by federal law without going through a licensed gun shop.Edit: September 12th 2020- there is a lot of people wanting to know why only a 50% refund and not a full refund. They got the ammunition.I went through a full breakdown in another set of comments on the answer. The original comment was deleted by the commenter.I have to repackage. There is no deleting records from my companies software. I have to print out return forms and send it back to the place it was purchased from (transfers only get this) combined with the restocking fees, I have to pay for the gas in my employees vehicle to bring it to be shipped, the cost of the employees time who handled the item, and storage fees depending on length of time the items been in my inventory (awaiting customer paperwork).I also have within the contract that he signed that there is a financial fee. You see when I accept an order online I get charged by the credit card company and the bank as well.If I did full refunds on such orders I lose money around 300.00 to be exact not including banking fees for a 700 dollar AK order. The bank and credit card company charges me another 50 bucks ontop of it. So in the case of this guy he would have gotten half his money back.I'm sorry people do not like this but I run a business not a charity. You the buyer are responsible for knowing what your buying online is legal where you reside.In shop is completely different because unlike online I dont have those types of business related costs.I had a very unpleasant incident as well in my 14 years of business. Back in 2013 I had a few packages turn up empty. Turns out the USPS worker was opening packages they thought contained firearms and stealing the contents and sending the empty boxes to their destination. Since then I had to pay for extra insurance and return receipt requested. There is one particular USPS hub that is notorious for mishandling such packages. It became standard for my company to use special tamper evidence materials in shipping package an extra cost to the business.The cost of the tape alone isnt cheap. A tape that met TSA regulations cost 42 dollars per 55 yard roll. Security tape is not cheap.Thankfully my shops are large enough with a strong enough customer base I was able to get out of online firearm sales and not have to lay people off.I offered to substitute the illegal part of his order which would of been a felony for him. If I send an illegal weapon into a state like California I lose my license. I offered to swap out the ammunition for the correct AK ammunition (aks are chambered mostly in 7.62x39mm not 7.62x54) and swap out the AK for a California compliant AK with California legal magazines and refund him the difference. He was not having it. I processed the ammunition and sent that to him. Deducted the cost of packing materials from the weapon and cost of my employees time. I then issued a seperate refund on the ammunition which he got most of the money back on that.The total breakdown was another comment all together who thought I was dinging him for the full overhead of my shop.The break down in the fees that resulted in the 350 refund being issued was:105 for restocking (flat fee charged regardless if shipped or not)150 for employees who packaged the weapon, ammunition and magazines (6 employees for 1 hour being paid 25 dollars an hour.)For the rifle:16 dollars for the box, 3 dollars for the tape, 31 dollars for retail cushioning (air pillows and foam peanuts)Total 300 dollars not including the fees I get charged regardless if its a sale or not by the credit card company and bank. Credit card authorizes the payment immediately. I call them and tell them to stop processing and they get their fees from me. I call the bank and tell them to not move the money and they get there fees from me. 25 dollars each.Grand total 350…ergo half of the 700 for a rifle that was not California compliant and refused to allow me to substitute a California compliant AK.For the magazines:16 for the box (only box that all the magazines would fit in), 50 for the 3 employees (each got paid 16 dollars for the order didnt take long to package. yes 3 one packaging 2 grabbing items who had to go get more peanuts), 3 dollars for tape, 1 dollar for peanuts.Grand Total 70 dollars subtracted from 190 is 120 in refund for magazine.If I charged him for the whole overhead for my shop…well he'd owe me well north of 420.I understand he was pissed and last thing I wanted to do was lose a sale and a potential life long customer. I made every attempt to substitute to avoid this outcome. He was very vocal though that the internet prevents people from buying things that are illegal in their state. That if my site allowed him to buy it it was legal in the state to own.The other issue is I'm not most gunshops I'm about 3 times the size.Most places arent as large either. 60,000 square feet, 9,000 square feet for retail, 9,000 firearms in stock, 36 full time employees per shop with a total of 2 shops back then. I now have 4 all the same size. Other shops being small in size is why they do not have the same overhead.For comparison the cabelas in Hamburg pensylvannia is the largest of their shops at 250,000 square feet. They are about 4 times as large as my shops. Infact that 1 shop could fit all 4 of mine with a bit of room to fit another half of one of my shops in it roughly.He got the ammunition and paid cost of my employees and packaging for the illegal part of the order only after rejecting substitutions and a refund of the difference.

Is there anyway to apply for a Schengen visa in Seattle and not fly to California?

There is an honorary French Consulate in Seattle, but it doesn’t look like you can apply on-site there either. However, here is a link to their address, number and email just in case you want to confirm with them. https://www.embassypages.com/missions/embassy13124/Now, there is an option that may be worth exploring. You can probably even ask them about it if you call.According to the French Consulate’s website, if you meet certain criteria you may be able to send your application to San Francisco and apply by mail.The following is from the French Consulate’s website (please see below): https://sanfrancisco.consulfrance.org/spip.php?article2673Not applying in person:If you already hold a Schengen visa bearing the mention "VIS" on it issued less than 5 years ago, you don’t have to apply in person (even if this visa is expired, or if it is in an old passport). In that case, you may apply by mail. Please mail us your completed application form along with a copy of all the supporting documents as indicated on the website.Your application documents shall also include :- a copy of your Schengen visa with the “VIS” mention- a credit card authorization form for the fees- a self-addressed prepaid envelope with a tracking number (from USPS OR FEDEX ONLY, with the mailing label fill out as indicated below).Please do NOT send us your green card a photocopy of it will do.Please note that “VIS-0” is different from “VIS” and is not eligible for this process.APPLICATIONS BY MAIL NOT MEETING THIS REQUIREMENT WILL BE RETURNED TO SENDER .FROM:YOUR NAME88 Kearny Street #600SAN FRANCISCO, CA 94108TO:Your full nameYour addressGet Approved Schengen Visa Travel Insurance at G1G.com

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