h a l f b a k e r yPoint of hors d'oevre
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bank statement for usage of debit/credit card provides
information on where and when the money was spent.
One more level of detail will be of great help for insights
on the spend.
ex: we would have brought 100 items from walmart over
a
period of 1 month, not in a single transaction but
say
over
8 transactions and for total value of $1250. Bank
statement will only tell us the dates and monetary value
for each of the 8 transactions.
What I am interested in is spend pattern of those 100
items. % of spend on beer, % of spend on milk, meat
etc...possibility for endless analytics...over a year,
understand the ratio of spend on travel, food, insurance
and all other things (with itemized details) we buy
without using an expense tracking app in phone
such a technology requires banks to tie-up with business
establishments, but ultimately the consumers will gain
great depths on their spend.
this is similar to itemized statement of phone calls which
made me realize the potential to reduce the spend on
phone calls based on learning from historic spend
Monzo bank
https://en.m.wikipe...g/wiki/Monzo_(bank)
[calum, Aug 21 2017, last modified Aug 23 2017]
Money dashboard
https://en.m.wikipe...iki/Money_Dashboard
More successful since the pivot from their original monkey dashboard offering [calum, Aug 21 2017]
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Annotation:
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Loyalty cards already provide retailers with these data, but they keep it to themselves (apart from when they sell it on). |
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All you have to do is persuade them to give you a monthly statement in digital format. |
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It's the preinstalled degerundiser extension |
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But there are, I have been told by young people of my acquaintance, debit card providers who carry out this service. And any number of apps and suchlike that layer this service across the top of your varied banking and financial accounts. |
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Perhaps one day I'll borrow a friends loyalty card and buy
these items on separate days: |
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Alarm clock
Wire
Weed killer
Sugar
Etc. |
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A better shopping list would be: |
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Mobile phone
9V batteries
Perchlorate-based lavatory cleaner
Tins of shoe polish
3V flashlight lamps
Strike-anywhere matches
Icing sugar
Formula baby milk
Pressure cooker
Assorted nuts and bolts
Contact adhesive
Insulating tape
Mousetraps (wooden)
Drawing pins
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When making your purchases, wear generic clothing in muted colours, including a hoodie, and pay cash in used small
denomination bills. Use public transport, involving several changes of route. Do not carry an active mobile phone or any contactless bank cards. |
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Guaranteed to cause sleepleess nights for law enforcement. |
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//Guaranteed to cause sleepleess nights for law enforcement// But since they won't know you've bought all those things, perhaps not. |
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Hence the use of someone else's loyalty card. |
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For best results, make sure that there's no record of any purchases of alcohol or pork products associated with the card - the snoopers watch for that sort of signature. |
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I am puzzled by the presence of mousetraps on the list. Unless deployed in very, very large numbers they are unlikely, surely, to cause more than a minor nuisance even if they survive the blast without being sprung. |
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Or perhaps it's best if I don't know. |
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We could tell you, but then we'd have to kill ... oh, no, it's OK, don't worry, apparently we can tell you and we don't have to kill you, but then we'd have to glue a teaspoon to the back of your left ear with cyanoacrillate adhesive, and write offensive anglo-saxon words on the outside of your bathroom window with grape-flavoured lip salve. |
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I suspect that the mousetraps are for the sexual
gratification part of the process. |
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OK, I'm curious about the baby formula. The sugar, OK, is a fuel
which could burn - perhaps rapidly - but what does the baby
formula do for you? Have you discovered a particularly fiendish
use for linoleic acid? |
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Oh, and could you do matching spoons for both ears? |
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// what does the baby formula do for you? Have you discovered a particularly fiendish use for linoleic acid? // |
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You don't need to know that. |
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// Oh, and could you do matching spoons for both ears? // |
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You'll have to supply the matching spoons, but yes. |
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// the mousetraps are for the sexual gratification // |
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No, the mousetraps are for the anti-handling circuit; a useful countermeasure to the attempted deployment of a hydrostatic disruptor (if you know how to use them). |
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Isn't this what Mint does? |
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*leaves to look up what a hydrostatic disruptor is* |
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As I thought when I first read the term (because how does
static pressure disrupt anything?), it appears to not be a
thing. |
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