Personally I'd rather deal with people face to face when it comes to big loans, like a mortgage for example. There's probably no difference from what you get in the end in both scenarios, but it is simple preference.
This may be localised but in the country where I got my homeloan you don't go to the bank, ever. Mortgage brokers almost universally get you a far better rate. When I got my first home loan I even went to the bank I was at since I was a child and they still gave me a worse rate than through the mortgage broker, same bank, same situation, but I almost felt like I was being punished for being a long term customer. Anyway another bank came in cheaper yet again and then my original bank was genuinely confused as to why I closed my accounts and moved money elsewhere. The teller had a serious case of foot in mouth when he asked why I was moving after being "loyal" for so long and I told him that I could only take so much punishment.:-)
and the ATM gouges you
Another locality difference. I'm currently in the Netherlands (well technically I spend more time in Germany) but by law they can't charge me at an ATM, and by extension my bank doesn't charge anywhere within the EU. I not so fondly remember doing the dance back in Australia looking for an ATM with my bank logo on it to avoid a $2 fee.
Physical branches are dwindling every year though
Just for shits and giggles I looked up where my nearest branch is. The website I got said that my nearest one was formerly 2km away from home.... Key word: Formerly. Apparently it closed late last year and now I would need to go downtown for the next one. It was replaced with a pharmacy, far more useful:)
Of course it does, but it takes a better class of idiot to be unable to handle a single piece of plastic compared to screwing around and counting bits of paper and small odd shaped pieces of coloured metal.
But regardless of what you (or I for that matter) *think*, the industry will speak for us. Cashless lanes are adopted primarily because they offer a much faster checkout process. They are adopted to reduce staff or in some stores to increase sales by increasing customer volume and preventing walkout.
Carbon fibre does not bend, it breaks. Those are metal.
You're absolutely right about the first part. There's not a single bent propeller in any picture, I mean other than the native bend of that propeller design. There are however plenty showing perfect flat snaps along with the telltale bits of fibre reinforcement hanging out at the break point.
There is ZERO reason to manufacture a propeller that size out of metal. And they aren't metal.
My Galaxy S4 with its hover controls called and would like it's innovation back. And while my none of the Galaxy S series curve inwards from top to bottom I'm sure LG has something to say about Apple's innovation.
Can you even name a single area of study they weren't able to do?
Weren't able to is not the same as having something that helps. The students were "able" to complete all their classes. What they did in those classes were was fudge around endlessly wasting time with software not suited to the task.
Yes we have digital textbooks now, only to have students bring in paper textbooks anyway so they could scribble in the margins. Digital note taking didn't happen because who the hell likes typing on a shitty keyboard cover or a touch screen when you can just write on a piece of paper.
And that's ignoring the practicalities of assignments. "unable to get printer working with iPad", and "can't get the file off my iPad" is the new dog ate my homework. Which is good given the software they were using to type their assignment couldn't handle basic shit like typing anything other than the 26 letters of the alphabet, or typesetting a page. My wife said one day she never thought she'd live to see anyone praise Microsoft's equation editor but that's precisely what happened when students were free of the trash they were forced to use.
So what did students have trouble with? Math, Chemistry, Physics, and Biology. I'm sure they had trouble with others too but those are only the ones my wife teaches. I have heard similar complaints from an English teacher too.
And if you absolutely, positively had to use a Windows program for some reason
You don't. Any decent program combined with any decent input method would do.
you could install Microsoft Remote Desktop [apple.com] and use it as a remote app.
Combine a horrible system with a horrible way of accessing another system? Are you trying to increase school shootings? Because THAT is how you increase school shootings, though I'm sure it would be the teachers and IT departments doing the shooting in this case. Holy crap am I glad you're not the "solutions" person anywhere near me.
Nothing. The problem is a case of "have iPad, must use to justify having iPad". Seriously the amount of time wasted on the iPad doing things that could be better done on either computer or in many cases even pen and paper was incredible.
The paper free office is absurd enough, the paper free school is frigging ridiculous and it's no surprise it failed. About the only benefit it gave was not having to lug around textbooks, but surprise surprise there's a lack of software that allows students to make notes in the margins of their virtual textbooks.
and should consider switching if this actually poses a problem for you.
I think the GP's point was that it doesn't pose a problem to him because in modern countries you don't go to the bank, ever. It's where grandma's hang out with their account books because they don't have internet.
Me, I last went to the bank 3 years ago and that's only because I needed to show ID when transferring my homeloan to another bank (incidentally I've never been to the new bank, the application of the homeloan was done online). I wouldn't even know where the nearest branch is.
Looks very similar to the kind of response you get when a motor or propeller fails. The WiFi had nothing to do with it. It didn't fly into the building, it hit the building as it fell out of the sky.
Go to bank, hand over check and card, wait for cashier to pay cheque into your account?
Let's go through this shall we:
Go to the bank: - 15min walk to the branch, get a ticket, stand in line for 15minutes. Hand over check and card: - Aside from the very confused looks I got last time I did this it then resulted in the teller getting paperwork out, opening the account, trying to upsell me on shit like a savings account, fill out the paperwork, check it, sign it. Wait for cashier to pay cheque into your account. - And wait I did. Some furious typing and several minutes later I was finally free of this drain on my existence along with a useless receipt. 40minutes of my time wasted.
Now let's look at the alternative shall we: . Done. I got a text message telling me I received income.
Obviously privacy issues are a bit beyond your comprehension.
No obviously privacy issues didn't make it through all that tin foil on your hat.
why do you have blinds or curtains on your windows
I don't to keep the light out when watching TV. I leave my curtains open at all other times including at night. So no, I don't get it. And neither does anyone else, because guess what: you're not as interesting as you think you are, and people aren't standing outside your window just dying to get a peak at your junk.
- able to be connected to more resources than ever before?
That one is contentious. The iPad is incredibly limiting compared to a laptop or even a chrome book in what they are capable of (or specifically what the walled garden provided software is capable of).
Have a guess how many iPads we've had to replace of the 800-odd currently lent out to students in the past two and a half years? Two
Congrats. Out of 1200 students at my wife's school every 3 years they replaced 1200. But if you count breakage we get another 10% that don't last the 3 year life expectancy. But it's not an issue because parents pay for them.
Not that it matters. They were horrible education tools. The students have Chromebooks now and can do all that complicated crap like... write assignments and draw graphs that the iPads were incapable of outside of a very narrowly defined and curated "experience"
And these Ipads are NOT designed to not be broken by children. Not even close.
Based on the quality of assignments and work that my wife received from her students before the iPad debacle was abandoned and computers reintroduced... they aren't designed to teach children anything either.
Right, but the iOS pad does not runWindows 10, which is great selling feature all by itself.
You clearly have never taught a class that do everything on iPads. My wife has taught in 2 schools who had abandoned the failure that was iOS in education for a system that actually allows you to do basic things such as: what you need to rather than what the walled garden will permit you to.
So yes, Windows 10 is a great selling feature compared to iOS even if you were trying to be facetious.
if payment is offered and If it’s the coin of the realm, how can they legally decline it?
Just because something exists doesn't make it a legal mandate. You're probably confused because you don't understand the legal mandate, even in the USA.
Just because something is legal tender does not mean it needs to be accepted for services rendered. All it means is that legally the *government* and a registered creditor must accept is as a method of extinguishing debt. i.e. the only people who care about legal tender are the government collecting fees and taxes, and your bank which legally must if requested accept or give out payment via legal tender.
Cash if FAR cheaper. Having to accept credit cards entails a hefty surcharge by the credit card company
Maybe in your country. In mine:
Having debit cards is essentially free. Having credit cards has a very tiny surcharge thanks to none of these stupid packages offered by every credit card company as a reward that are passed on to the shop which is passed back onto the consumer who thinks they got something out of the deal. The risk of credit card fraud is essentially zero with modern chip+pin and where it exists the consumer is 100% protected.
By comparison dealing with cash involves handling cash which involves auditing cash, maintaining a float, and the latest craze it costs money to actually visit the bank because now the bank needs to deal with it as well.
So who is going to buy me a smart phone, and pay for a data plan ?
Straw man. If you don't have a phone just carry a wallet and wave your card instead.
I have a visa/debit card that I keep for emergency use only
I also use an abacus instead of a calculator. And like you I will provide not reason for doing so.
I am paid by certified check
Checks....I'm lost for words. I mean I've seen TV shows from the 70s so I know what they are but... wow. I got a check once. NEVER again. The amount of effort it took to actually convert that into money was incredible.
Does my dope dealer have to pay square or some vendor to stay in business ? How do I give the 'vet' hanging out on the corner a couple of bucks for hamburger evey now and then.
It's not the job of cash to keep them in business, it's the job of the government provide them alternatives. My local dealer accepts card just fine. And we don't have homeless people scrounging around on the streets for hamburgers because we feed them and house them.
Uncle Sam is up in my grill enough with having every dollar I choose to spend analyzed by them.
As a former cashier, I could've done the entire transaction in my head and had the change in the customer's hands in less than ten seconds.
As a former cashier you're not normal. What happens in the real world is a person spends some 15 seconds fucking around with their wallet and counting out before handing it to a cashier who as a professional math whizz will have it counted and change returned in mere seconds.
Cashiers aren't the holdup.
By the way what the hell takes you 15 seconds? For transactions under €25 it takes me less than 3 seconds to pay including the delay it takes to authorise. For over €25 it takes maybe 6 seconds. The only time I've waited 15 seconds behind anyone cashless is if they managed type in the incorrect pin or their card was declined, and even then the former only on a system where the incorrect pin ends the transaction (i.e. not any supermarket lane).
There's a reason supermarkets introduced "cashless" lanes. They move MUCH faster.
Why would you want a cashless society? Having the ability to pay in cash doesn't require you to do so yourself.
Depends who you are. Having the ability to pay cash requires you to cover the expenses of handling cash. Businesses are proponents of cash-less systems as it reduces the cost of handling and banking cash, increases security through theft avoidance (both external and via employees), and also reduces time.
From a personal point of view I hate handling cash with a passion. I don't carry any on me unless I travel to a card-unfriendly country. The only cash I have around me is a few coins for the occasional parking meter.... again not in my own country because there I pay for parking through a phone app. Choice is nice enough to have, but on the same token I don't want to subsidise it with my time and (in an ideal fairy land) the savings would be passed down to me too. The biggest benefit I saw going cashless is with public transport. It's amazing how buses started running on time when they stopped accepting money by completely eliminating a large variability in the time it took to board people.
it's a complete different type of blatant disrespect
No. It really isn't. Self-justifying it as "kids these days" doesn't make them any worse or what you did any better. Whether sending someone an SMS or a piece of folded paper, whether you're doodling or googling, in both cases the same result is achieved in the same level of disrespect.
We got to actually grow up and enjoy things as a kid
Implying kids aren't enjoying themselves? Setting garbage bins on fire isn't the only thing people in life can enjoy. And for every miniature terrorist like you (and I for that matter) and your friends there was a cell-phone-child-precursor sitting in their bedroom devouring whole libraries of books in peace or another glued to the telly.
Life isn't about cell phones or fun, it's about many different people having fun in different ways.
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Personally I'd rather deal with people face to face when it comes to big loans, like a mortgage for example. There's probably no difference from what you get in the end in both scenarios, but it is simple preference.
This may be localised but in the country where I got my homeloan you don't go to the bank, ever. Mortgage brokers almost universally get you a far better rate. When I got my first home loan I even went to the bank I was at since I was a child and they still gave me a worse rate than through the mortgage broker, same bank, same situation, but I almost felt like I was being punished for being a long term customer. Anyway another bank came in cheaper yet again and then my original bank was genuinely confused as to why I closed my accounts and moved money elsewhere. The teller had a serious case of foot in mouth when he asked why I was moving after being "loyal" for so long and I told him that I could only take so much punishment. :-)
and the ATM gouges you
Another locality difference. I'm currently in the Netherlands (well technically I spend more time in Germany) but by law they can't charge me at an ATM, and by extension my bank doesn't charge anywhere within the EU. I not so fondly remember doing the dance back in Australia looking for an ATM with my bank logo on it to avoid a $2 fee.
Physical branches are dwindling every year though
Just for shits and giggles I looked up where my nearest branch is. The website I got said that my nearest one was formerly 2km away from home. ... Key word: Formerly. Apparently it closed late last year and now I would need to go downtown for the next one. It was replaced with a pharmacy, far more useful :)
This applies in any case
Of course it does, but it takes a better class of idiot to be unable to handle a single piece of plastic compared to screwing around and counting bits of paper and small odd shaped pieces of coloured metal.
But regardless of what you (or I for that matter) *think*, the industry will speak for us. Cashless lanes are adopted primarily because they offer a much faster checkout process. They are adopted to reduce staff or in some stores to increase sales by increasing customer volume and preventing walkout.
Not only are they not metal but from the picture you linked you can actually see the bits of fibre hanging out at some of the broken joints.
Carbon fibre does not bend, it breaks. Those are metal.
You're absolutely right about the first part. There's not a single bent propeller in any picture, I mean other than the native bend of that propeller design. There are however plenty showing perfect flat snaps along with the telltale bits of fibre reinforcement hanging out at the break point.
There is ZERO reason to manufacture a propeller that size out of metal. And they aren't metal.
My Galaxy S4 with its hover controls called and would like it's innovation back.
And while my none of the Galaxy S series curve inwards from top to bottom I'm sure LG has something to say about Apple's innovation.
Can you even name a single area of study they weren't able to do?
Weren't able to is not the same as having something that helps. The students were "able" to complete all their classes. What they did in those classes were was fudge around endlessly wasting time with software not suited to the task.
Yes we have digital textbooks now, only to have students bring in paper textbooks anyway so they could scribble in the margins. Digital note taking didn't happen because who the hell likes typing on a shitty keyboard cover or a touch screen when you can just write on a piece of paper.
And that's ignoring the practicalities of assignments. "unable to get printer working with iPad", and "can't get the file off my iPad" is the new dog ate my homework. Which is good given the software they were using to type their assignment couldn't handle basic shit like typing anything other than the 26 letters of the alphabet, or typesetting a page. My wife said one day she never thought she'd live to see anyone praise Microsoft's equation editor but that's precisely what happened when students were free of the trash they were forced to use.
So what did students have trouble with? Math, Chemistry, Physics, and Biology. I'm sure they had trouble with others too but those are only the ones my wife teaches. I have heard similar complaints from an English teacher too.
And if you absolutely, positively had to use a Windows program for some reason
You don't. Any decent program combined with any decent input method would do.
you could install Microsoft Remote Desktop [apple.com] and use it as a remote app.
Combine a horrible system with a horrible way of accessing another system? Are you trying to increase school shootings? Because THAT is how you increase school shootings, though I'm sure it would be the teachers and IT departments doing the shooting in this case. Holy crap am I glad you're not the "solutions" person anywhere near me.
What would they need to do on an iPad, really?
Nothing. The problem is a case of "have iPad, must use to justify having iPad". Seriously the amount of time wasted on the iPad doing things that could be better done on either computer or in many cases even pen and paper was incredible.
The paper free office is absurd enough, the paper free school is frigging ridiculous and it's no surprise it failed. About the only benefit it gave was not having to lug around textbooks, but surprise surprise there's a lack of software that allows students to make notes in the margins of their virtual textbooks.
and should consider switching if this actually poses a problem for you.
I think the GP's point was that it doesn't pose a problem to him because in modern countries you don't go to the bank, ever. It's where grandma's hang out with their account books because they don't have internet.
Me, I last went to the bank 3 years ago and that's only because I needed to show ID when transferring my homeloan to another bank (incidentally I've never been to the new bank, the application of the homeloan was done online). I wouldn't even know where the nearest branch is.
Looks very similar to the kind of response you get when a motor or propeller fails. The WiFi had nothing to do with it. It didn't fly into the building, it hit the building as it fell out of the sky.
Those are metal propellers
No they aren't. They are carbon fibre.
Go to bank, hand over check and card, wait for cashier to pay cheque into your account?
Let's go through this shall we:
Go to the bank:
- 15min walk to the branch, get a ticket, stand in line for 15minutes.
Hand over check and card:
- Aside from the very confused looks I got last time I did this it then resulted in the teller getting paperwork out, opening the account, trying to upsell me on shit like a savings account, fill out the paperwork, check it, sign it.
Wait for cashier to pay cheque into your account.
- And wait I did. Some furious typing and several minutes later I was finally free of this drain on my existence along with a useless receipt. 40minutes of my time wasted.
Now let's look at the alternative shall we:
.
Done. I got a text message telling me I received income.
Obviously privacy issues are a bit beyond your comprehension.
No obviously privacy issues didn't make it through all that tin foil on your hat.
why do you have blinds or curtains on your windows
I don't to keep the light out when watching TV. I leave my curtains open at all other times including at night. So no, I don't get it. And neither does anyone else, because guess what: you're not as interesting as you think you are, and people aren't standing outside your window just dying to get a peak at your junk.
- able to be connected to more resources than ever before?
That one is contentious. The iPad is incredibly limiting compared to a laptop or even a chrome book in what they are capable of (or specifically what the walled garden provided software is capable of).
Have a guess how many iPads we've had to replace of the 800-odd currently lent out to students in the past two and a half years? Two
Congrats. Out of 1200 students at my wife's school every 3 years they replaced 1200. But if you count breakage we get another 10% that don't last the 3 year life expectancy. But it's not an issue because parents pay for them.
Not that it matters. They were horrible education tools. The students have Chromebooks now and can do all that complicated crap like ... write assignments and draw graphs that the iPads were incapable of outside of a very narrowly defined and curated "experience"
And these Ipads are NOT designed to not be broken by children. Not even close.
Based on the quality of assignments and work that my wife received from her students before the iPad debacle was abandoned and computers reintroduced... they aren't designed to teach children anything either.
Right, but the iOS pad does not runWindows 10, which is great selling feature all by itself.
You clearly have never taught a class that do everything on iPads. My wife has taught in 2 schools who had abandoned the failure that was iOS in education for a system that actually allows you to do basic things such as: what you need to rather than what the walled garden will permit you to.
So yes, Windows 10 is a great selling feature compared to iOS even if you were trying to be facetious.
who last time I checked, are also animals.
You have the right ... TO DIIIIIIIEEEE!! HAHAHHAHAA
if payment is offered and If it’s the coin of the realm, how can they legally decline it?
Just because something exists doesn't make it a legal mandate. You're probably confused because you don't understand the legal mandate, even in the USA.
Just because something is legal tender does not mean it needs to be accepted for services rendered. All it means is that legally the *government* and a registered creditor must accept is as a method of extinguishing debt. i.e. the only people who care about legal tender are the government collecting fees and taxes, and your bank which legally must if requested accept or give out payment via legal tender.
Your government has an FAQ on this: https://www.federalreserve.gov...
Cash if FAR cheaper. Having to accept credit cards entails a hefty surcharge by the credit card company
Maybe in your country. In mine:
Having debit cards is essentially free. Having credit cards has a very tiny surcharge thanks to none of these stupid packages offered by every credit card company as a reward that are passed on to the shop which is passed back onto the consumer who thinks they got something out of the deal. The risk of credit card fraud is essentially zero with modern chip+pin and where it exists the consumer is 100% protected.
By comparison dealing with cash involves handling cash which involves auditing cash, maintaining a float, and the latest craze it costs money to actually visit the bank because now the bank needs to deal with it as well.
Cash is FAR more expensive.
So who is going to buy me a smart phone, and pay for a data plan ?
Straw man. If you don't have a phone just carry a wallet and wave your card instead.
I have a visa/debit card that I keep for emergency use only
I also use an abacus instead of a calculator. And like you I will provide not reason for doing so.
I am paid by certified check
Checks... .I'm lost for words. I mean I've seen TV shows from the 70s so I know what they are but ... wow. I got a check once. NEVER again. The amount of effort it took to actually convert that into money was incredible.
Does my dope dealer have to pay square or some vendor to stay in business ? How do I give the 'vet' hanging out on the corner a couple of bucks for hamburger evey now and then.
It's not the job of cash to keep them in business, it's the job of the government provide them alternatives. My local dealer accepts card just fine. And we don't have homeless people scrounging around on the streets for hamburgers because we feed them and house them.
Uncle Sam is up in my grill enough with having every dollar I choose to spend analyzed by them.
Yay tax avoidance. That's what you meant right?
As a former cashier, I could've done the entire transaction in my head and had the change in the customer's hands in less than ten seconds.
As a former cashier you're not normal. What happens in the real world is a person spends some 15 seconds fucking around with their wallet and counting out before handing it to a cashier who as a professional math whizz will have it counted and change returned in mere seconds.
Cashiers aren't the holdup.
By the way what the hell takes you 15 seconds? For transactions under €25 it takes me less than 3 seconds to pay including the delay it takes to authorise. For over €25 it takes maybe 6 seconds. The only time I've waited 15 seconds behind anyone cashless is if they managed type in the incorrect pin or their card was declined, and even then the former only on a system where the incorrect pin ends the transaction (i.e. not any supermarket lane).
There's a reason supermarkets introduced "cashless" lanes. They move MUCH faster.
Why would you want a cashless society? Having the ability to pay in cash doesn't require you to do so yourself.
Depends who you are. Having the ability to pay cash requires you to cover the expenses of handling cash. Businesses are proponents of cash-less systems as it reduces the cost of handling and banking cash, increases security through theft avoidance (both external and via employees), and also reduces time.
From a personal point of view I hate handling cash with a passion. I don't carry any on me unless I travel to a card-unfriendly country. The only cash I have around me is a few coins for the occasional parking meter. ... again not in my own country because there I pay for parking through a phone app. Choice is nice enough to have, but on the same token I don't want to subsidise it with my time and (in an ideal fairy land) the savings would be passed down to me too. The biggest benefit I saw going cashless is with public transport. It's amazing how buses started running on time when they stopped accepting money by completely eliminating a large variability in the time it took to board people.
I hear you. The argument of a gun for protection is baloney and there really is no reason to own one. Thanks for clarifying.
it's a complete different type of blatant disrespect
No. It really isn't. Self-justifying it as "kids these days" doesn't make them any worse or what you did any better. Whether sending someone an SMS or a piece of folded paper, whether you're doodling or googling, in both cases the same result is achieved in the same level of disrespect.
We got to actually grow up and enjoy things as a kid
Implying kids aren't enjoying themselves? Setting garbage bins on fire isn't the only thing people in life can enjoy. And for every miniature terrorist like you (and I for that matter) and your friends there was a cell-phone-child-precursor sitting in their bedroom devouring whole libraries of books in peace or another glued to the telly.
Life isn't about cell phones or fun, it's about many different people having fun in different ways.
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