gringolokito

I looked last night I took 20,000 from USAA and 20,000 from Capital One. USAA was 1076.19 and Capital one was 1075.40. I also get the ATM charge refunded by USAA so considering the Refund from USAA it was a little cheaper. But still the exchange rate was better than the 17 peso per dollar offered by the bank. Hitting Decline or now Sin Conversion saved quite a bit. Declining I got 18.59 more or less so I made 1.59 pesos per dollar. Changing 1075 more or less I gained more than 1500 pesos from USAA and Capital one. A little over 3000 pesos just in exchanging money. Just clicking the right button. I roughly rounded in my calculations But I did that calculation right... Right???? Let me know

I also noticed last night that the button to Decline changed sides and also does not say decline anymore. Mine said something like "Sin Conversion". They might be trying to get people who have a habit if pressing a certain button.

Yes. It does doesnt it. Everyone is worried about the 40 peso charge to use the atm while they are giving the banks hundreds or thousands of pesos on the conversion. Now the old saying of watching the pennies so hard while the dollars are flying out the window. Something like that.

Each one is different. Some are individually owned and branded with a bank yet the bank does not set the fee the owner does. So it is difficult to give you an exact figure. Banorte on Hildalgo and francisco central chapala shows me charges of 40 pesos but there again my bank USAA erases that charge. Others also charge based on what card you put in it. An American, Canadian, Mexican, Or Credit or Debit. The cheapest in Ajijic is at Laguna across from walmart to the left of Telcel. However they limit how much you can take. Santander in Soriana is 30 pesos with my Debit but maximum pull is 9000. The Banorte in Central that I spoke of earlier will let me take 20,000 maybe more but I have only tried 20,000. I will also note I use 3 US Banks and the Charge is different at each bank. Pentagon Federal I get the biggest charge and Exchange. USAA gives the best Exchange and no fee. Capital One Gives the best Echange rate but a $2.50 fee. You havent said anything about what bank you are using. american or Other, Debit or Credit Cash Advance. When on Guadalajara the Army Bank gives me the best deal. BancoBajio. Other than that I dont use the one at laguna it is empty a lot and use to limit to 3000 pesos per transaction. So I use Santander if I only need 9000 and I use Banorte when I want more for a large purchase. Again I personally think the charge is the least of the problem. The maximum i have ever heard of was $5. However I constantly hear about the exchange rates. I don't understand worried about 3 to 5 dollars when they are getting 50 to 100 on the bad exchange rate. I would rather spend the 5 and save the 100.

It works... I did what you said last month

They had a seaplane listed for sale awhile back. They used the Ski Place near the aeroclub. I have been looking at one. It is Icon and has moved there facilities to Mexico from California. It is called the Icon A5. It's only a 2 seater but a great little Amphibious plane. I have even looked at lakefront property to just let the wheels down and drive it out. We both have the same idea

I agree and have been this route. They also are not suppose to add a charge for using the card according to the rules. I was at a resort (in Mexico) almost every store had a Cash vs Credit price. Visa/MC don't really enforce it that I have seen. They Should though

I have even seen cheaper than 699. But not name brand like Nike Etc? If you know of some place please tell me. I attached a WhatsApp photo from the day. I was checking the size and sent a photo to someone to ask. It happens to show the price. The ones in the photo are Puma for 1899. And like before. I have seen them for double that at gallerias. I saw some Adidas for over 3500. I've even googled and have not name brands that cheap. I know of some air Jordans are jeez several hundred dollars a pair. I wasn't going to go that far. Some of these kids are in the early teens and I am sure they have some peer pressures in school and what not. They are all being feed well and taken care of but they don't have any decent clothes. I bought each one a shirt or blouse, a pair of pants, socks, and shoes. What I was hearing from them when asked what they wanted for Xmas in the months leading up was, Bicycle, R C Car, and of course the teens wanted cell phones. I felt bad getting them clothes I should also note that they also do not know it was me. I'm just trying to make good memories. Ever had something happen and years later you remember that. Not sure if I did it or not, but That is my goal. I just try to create a good memory.

Well in fact neither do I. Walmart or No Name is fine for me, But I can tell you for name brand shoes that is cheap. Next time your out and about check out Nike or Reebok, Etc believe me they were good prices. 1500 pesos is about 75 dollars. Yes I was buying name brand. They have probably never had before. People will say yea they don't need them etc. And they didn't ask for them either. It made me feel good to do it. And even since Christmas they haven't been allowed to use them. Except for midnight mass so They are using them as dress shoes. There are good arguments that it is a waste of money etc etc. I did it. It doesn't bother me. If bothers somebody else then I don't know what to say. Maybe some "Keyboard Commandos" want to attack. I have no relatives left so when I go I want the last check to go towards my funeral not the state unclaimed funds department.

That makes a lot of sense. I haven't even thought about of all the things you mentioned

Years ago everytime I used a card in Mexico they asked for ID. Recently I was at Liverpool and they ask for an ID, compared the signature and copied it. (I know some people won't allow people to copy their ID but I don't mind) I asked why and They said to prevent a charge back. I though the new chips were to prevent that issue but apparently they can hack those also.

Hahahahaha thats a good one and the truth also

Well I would agree but I was specifically told "American Cards". The person in front of me at service was told the same thing. Maybe they mean all International or maybe really just American. Don't know? And again I talked to Coppell through chat and email. They only apologized, Said I could buy everything online with even options to pay such PayPal and that it was a "Local" decision.

Oh God, you know it is or was Christmas time. Long lines, few cashier's, yes I was embarrassed. But I've had problems before where the communication between countries was the problem. That's why I asked to see what it was saying on her terminal and saw ERROR in bold black type

YES the cashier did exactly that and asked if I could go get cash. After the 3rd card I asked to see the screen and it was saying "Error"not declined as cashier was saying. I was eventually, after asking for a supervisor, sent to the service desk where the "Don't Take American Cards" was explained. And again The Coppell Website states they take foreign cards and go to lengths to say make sure your banks know your travelling. I kind of understand the local decision thing. Maybe some areas have large fraud claims or they are franchised or something. But Chapala of all Coppell not American Cards? That is what makes it more crazy to me. Lots of friends I have here use their cards for everything they can. They pay all the bills online to save trips to pay, don't want to carry large sums of cash etc By the way is there a way to ask for a manager or boss other than "Jefe". I always get a don't understand when I use that word?