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Posts posted by Hud
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4 hours ago, Mostlylost said:
The biggest truck backup is at the Puesto Militar at the hwy 57/58 junction. The truck backup northbound on a weekday can be 5km or more long sometimes. Going north need to arrive at that point before 10AM or so for short lines. Sundays and Monday holidays there are very few trucks, and wait is 5-10 minutes.
Actually, it gets worse than that at the entrance to the newest TOLL Road going from Saltillo area to Monterrey. 18-wheelers block both lanes when turning right to access the Monterrey Toll, leaving us cars to endure more wait than the 57/58 congestion. Same happens again at the Toll that takes you across to the airport area in Monterrey. Its Terrible.
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26 minutes ago, RickS said:
With respect to 'headed toward' can you give some relative numbers of each country at this poi.e. what supports your saying this? Just curious.
You can google as well as I can, but I will say that in 26 years of coming and going on 57 and 85 North and South at least 4 times every year (usually more) the number of 18-wheelers headed North on those 2 hwys and US 35 in Texas is just wall to wall since USMCA was signed. NAFTA was nothing compared to USMCA. The delays are just horrible in Mexico. And, they are destroying the hwys faster than they can be repaired. Travel it once and all your questions will be answered.
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1 hour ago, Mainecoons said:
And those roads are getting pretty beat up as a result. Mexico 45 north of Aguas Caliente to Torreon, and then north from Chihuahua about half way to Juarez, including those really poor toll roads in Zacatecas, is a wreck. I really feel sorry for the guys who have to drive trucks over that road. Many parts of the road between here and McAllen are pretty bad too. Mexico 15 north to AZ is relatively better after a lot of work but the tolls on trucks are brutal. And the problem with almost all Mexican roads is the base underneath the pavement cannot carry the weight so the pavement deteriorates much faster because of settlement and shifting from the weight.
If Mexico is serious about replacing China they are going to have to get serious about having roads that can carry the weight of semis.
Coming down from Texas, through Laredo recently, the North bound sides of both 85 and 57 was 2 lane wall-to-wall for miles with 18-wheelers, both lanes. Cars could not get through. Can't go back that way any more, as last time it took 2 hours to go 1/2 mile in 2 different locations and the bridge was terrible. Any suggestions?
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With all the investment in Mexico, Mexico appears to be headed toward being the new China. Ever paid attention to the number of 18-wheelers on the hwy headed North to the US.
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12 hours ago, NEWMtnMama said:
Just for the record dear, I started using Google in 1998 when I learned about it on a Web writers group. We'd all been using Northern Light and Search Monkey before that.
It's a matter of wasting other people's time.
Agree. Why waste your own time when someone else can waste their time doing your responsibility !
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4 hours ago, NEWMtnMama said:
Which I am not going to bother with if I have no idea where the restaurant is and if it is anywhere close to me.
Even if you are not smart enough to google, someone will show you how. Don't let that stop you !
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3 hours ago, Mostlylost said:
In all respect.....
took you longer to write the reply than it would have taken to look up the restaurant, see reviews, and even pictures of the place and food.
Amen to that !!!
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Isn't it wonderful that some people have nothing more important to do with their life than complain about the weather.
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12 hours ago, nolajoe said:
Not lived here long, huh?
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1 hour ago, Jubilacion said:
Now, to continue riding this horse.... 🏇 I just went onto the Visa Debit Card Agreement (USA) and here's exactly what it says, and after reading it I'm once again thinking that the OP may have a point and the question about which local banks offer the best conversion may have some validity or am I missing something below? (As many have said how you calculate your conversion rate is not being done the same for everyone, though it should be).
Page 4 of the VISA DEBIT AGREEMENT.
5.) ATM's OUTSIDE OF THE UNITED STATES
"If you use your Card to withdraw foreign currency
from an ATM, or to pay for a purchase with foreign
currency, we charge your account for the U.S. dollar
equivalent of the transaction. Depending on the spe-
cific arrangements that are in place, the exchange
rate and calculation of the U.S. dollar equivalent will
be done by the bank at which you conduct the trans-
action, the network to which the ATM belongs, or
Visa®. The bank or network may also charge a fee.
The currency conversion rate used on the processing
date may differ from the rate in effect on the pur-
chase date or statement posting date. If the exchange
is done by Visa®, the exchange rate between the
transaction currency and the billing currency used for
processing international transactions is as follows:
a rate selected by Visa®from the range of rates
available in wholesale currency markets for the appli-
cable central processing date, which rate may vary
from the rate Visa® itself receives, or the government-
mandated rate in effect for the applicable central
processing date, in each instance, plus or minus any
adjustment determined by usAll banks do not change their rate from the previous day to the current day at the same time. Some take longer to do that. That is why if you go early, there is a chance you get the rate from the previous day. From experience, noon and later seems to be the best time for us.
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34 minutes ago, Natasha said:
The exchange rate I get on DEBIT card is determined by my home (Canadian) bank on arrival at their end. Never tied with Visa credit card so can't say.
Not if it is a Visa or MC atm card ! We are never talking credit cards here, as that is a different animal. I have never had a Debit Card, only an atm card, as I believe the former is too dangerous to use. If you lose an atm card, no problem, but if you lose a debit or are robbed, problems. YMMD
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16 minutes ago, mexijims1 said:
That is true and I knew that.
However, people are still getting various exchange rates, which I am interested in hearing.
No they are not ! They just don't know how to compute the rate. I always get just what Visa and MC tell me I will get, and that is because I know how to compute the rate I get.
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17.6723 for atm Visa and 17.8252 for atm MC today.
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6 minutes ago, mexijims1 said:
I know all that, which is why I asked for what people are getting for their ATM rates !
Everyone gets the same, but many don't know how to figure it, so you will get different numbers from people. Some go early, some go late. some include the bank fee, some don't. It's unbelievable.
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On 5/26/2023 at 11:11 AM, mexijims1 said:
I know XE.com com says today about 17.66 but what rates are people actually receiving from their ATM withdrawals?
Thanks.
XE.com has Nothing to do with atm rates., nor do banks. Only MC and VISA ! Time of withdrawal is important, as if you go before noon, the bank may not have changed the rate from the day before and it could be lower (or higher) than today's rate.
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19 hours ago, Natasha said:
I don't think OP is talking about that (which has been widely covered on this board). I think the question is exchange rate which would between user and their bank once the ATM offer is declined.
Banks DO NOT set the rate !!! (which has been widely covered on this Board) How long have You been a member here ?
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36 minutes ago, TelsZ4 said:
I believe it’s the same rate in all ATM’s , the only difference is the fees you are charged…
It can vary, depending on if you use a MC or a Visa (atm card), but not a lot. MC and VISA set the RATE !!! The bank only sets the rate if you choose to let them do the conversion (big mistake).
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15 hours ago, sm1mex said:
Always decline the ATM offers. Your bank will give a much better exchange rate.
Banks Do Not decide the exchange rate, only Visa and MC ! That is not too hard to understand, is it?
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13 hours ago, Ezzie said:
Not living behind any walls as I am in a rural area east of Chapala not far from VDL where there is a lot of construction on the go. Just fences to keep the cows and horses out. Good idea to get photos of the guy and his paperwork. Still not sure why they would be bothering one old man in his early '70s digging a trench about 10 mtrs. long on his own property. Hardly should be a concern for a worker's union other than just an attempt to extort money.
This is a scam. He thinks you are just another dumb gringo that will pay out of fear. Many do, so he figures it is worth his effort. Maybe you will offer to pay "half and he will be thrilled.
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11 hours ago, chicamysterious said:
Its not the fee its the conversion. Most charge around 25 to 50 pesos. Which is less than $5. However when you pull money the exchange rates are horrible. It could more than 5 pesos per dollar difference than current posted conversion. So when pulling out a few thousand pesos you just gave the bank 500 pesos or more.
When you are pulling the money and the screen comes up to show you the rate and asks to accept or decline make a note of what they are offering then press DECLINE. You will still get your money but it will be at your current bank or card rate not theirs. Visa has a posted Rate. Mastercard has a posted rate. You can see what the current rates are on your internet browser. Open your internet browser (Chrome) enter 1 usd Mxn in the search bar google will show you the current exchange of a dollar to pesos. Many think if you press decline you will not get money that is not true. You are declining their exchange rate. That alone is going to save you ten times what charge is. You can also check with your banks website or call. Many reimburse for the charge here or use a network like "Allpoint" and there are ATMs that will have the allpoint logo. But in reality it is only a couple of dollars.youll spend more than that in gas. But Ive seen so many people go to an ATM that charges 25 pesos instead of 40. A difference of basically 1 dollar. They saved the dollar but then lost a 1000 pesos on the Exchange rate the local bank gave them.
Just remember Press Decline. Compare what you actually received to what they WANTED to give you.
I upload a screenshot of the current exchange rate shown in google chrome
See image its 19.02 right now. It changes constantly. Look at ATM when they ask you accept what they are offering but remember DECLINE
Just interested in how much the bank charges to use their machine. I guess I didn't make myself clear. Actually 25- 50 is not definitive enough, nor is there a name of a bank (location). I'll try to be clearer next time.
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Which ATM has the cheapest peso withdrawal fee? TIA
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3 hours ago, tomgates said:
Get ready for a 17 handle.
Just couldn't resist, could you? LOL
Dollar weakens
in Ajijic/Chapala/Guadalajara
Posted
Excellent comment !!!