Not just with one late payment. It will be three (months) no payment and/or several late payments. It will also happen if you are in the red for 3 months on your bank account.
All pretty reasonable, as it will indicate that there are financial issues and it will prevent you from taking another credit.
They are tools to enhance the wealth of the company. If other tools can do that better, other tools will be used.
For this reason alone I never use the self-checkout at the supermarket. It is my (small) way of keeping some people making money at a job. I do this, because I know my job could be next. Perhaps not directly, but indirectly, because more people on the market means more people entering my field, means a higher supply and thus lower prices.
It confuses two things. 1) Having a shite product 2) Taking a holiday to any shite destination
Even if he where available 24/7, the fact remained that it is a lousy concept of a product. In fact it was GOOD he was not available. That way not more people would have lost money.
I understand that you have to be available more while you are in start-up modus, but reloading your energy is a good thing. Otherwise you BECOME the burnout man.
I do not understand why they even exist. In Belgium we have the National Bank that has the database of all credits. Company has to check there to even be allowed to give a credit. They also need to add the credit they open. They do not see the other companies, just the number of loans and the amounts and all the rest, so they can calculate if there is enough margin to allow a credit. If a person is on the black list (late payments) they will not be allowed ANY credit. If a company gives a credit where it was not allowed, the company becomes responsible and the person does not even need to pay back that loan. Yes, I have seen that happen. The company needs to take that loss. They asked nicely and they got a reply of "No" (OK, bit longer) from his lawyer and that was the end of it, https://www.nbb.be/en/about-na...
It is pretty efficient and fast. You ask the customer how much he earns (pay slip and other official proof of income.), you deduct some standard cost of living for food and clothes. You deduct his other loans, if they exist. That is the amount he can spend on a new loan. Is that more than what it would be? Good, you have a loan? It isn't? No loan (or credit or what not).
e.g. income of 1500EUR netto per month (numbers pulled from a dark place) Rend of 500 per month. Being able to live 750 per month Car loan of 250 per month.
That is 1500. No loan for you. If he earn 1750, he could get a loan/credit where the maximum payment is 250. The allow/deny a loan is instantaneously. Obviously done over SSL with several layers of security and signing. What might take a bit of time is verification if the pay slip is real.
Obviously, it is a bit more complicated, but this is the basics. No need to go to a third party as all. The info is already available and required by law.
As a customer, I can ask what is there in my name and how much and what companies and what not.
You wish for those things. I expect that nothing will happen or change. Not for these people. Not for this company. Not for any others in the future. People have chosen for the new feudal system. The CEO is the new King and his company is his castle.
Here is how it is done in Belgium 1) We have a national number YYMMDD-XXX-YY 2) We have an ID. You need both to get a credit or a loan.
If you apply for a loan they will check if your ID is stolen or not https://www.checkdoc.be/ They check the BNB. On the BNB every credit and loan is mentions. What a company sees is for each credit/loan: 1) Time it started 2) The amount 3) If there are late payments
With the income and standard of how much you need to live, they will see if they are allowed to give you a loan. Late payments (on the black list) no loan. If the company would do that, they will not even NEED to pay back. Risk is then with the company.
The companies do NOT see what the companies are that have given the loan or credit, unless it is themselves (privacy, you know)
As an individual you can get these names, because it could happen that you have a credit open that has been paid in full.
So there is a short moment between the moment my ID is stolen and when I call in to block it that they could ask for a loan or buy something on credit. This happens, but in very low numbers as you would need to go into a store and it could be already blocked (takes just a call) and the ID is a photo ID.
Also no need for third party to verify the credit situation as it is already centralized and security is pretty tight. Only access if you are allowed to do so. Only information that you need. More info on https://www.nbb.be/en/about-na...
If I did not loan the money, I will not be held responsible and sometimes even if I DID loan the money, I am not responsible.
I have been on the other side. I worked at a company then would send out bills that would not be paid. Talking about things under 5EUR or so. I explained first to the CFO and then to the CEO that it is not economically wise to do so. Made a mini-business case. It took 4 meetings to explain that taking the "loss" was cheaper than sending the letters.
The solution was that we send three letters. The first as that is required by law. The second, because sometimes do not see the first. The third for people who would get afraid and pay up. After that we just deducted it as a loss. Save the company around 10.000 per year.
But that took 4 meetings with the CEO (and CFO) before they accepted it. Before I could speak with the CEO I had to defend it before my N+1 and N+2 and I think the CEO just gave in to get rid of me.
Many things like this exist, not because it is logical, but it is too hard to change and most people just give up. When it was put in place, they did not think about it, because incoming profit and outgoing cost for stamps and paper are two different departments.
Yeah, Google has no clue how taxes work. The thing is that they are not retarded, they are smart,
Disclaimer: I live in Belgium where different taxes for different goods need to be in the bill. Guess what? Companies like MacDonalds and any other are able to have POS machines all over Europe with all the different taxes and are able to handle it perfectly well.
The real issue is that punishment for companies who fuck over customers do not get punished. Accountability is a serious issue. Not only with companies, but also with police violence and politics, among other things.
For those who think the EU is anti US, they are not. It is just that the US companies keep breaking the law.
Perhaps European brewers (Carslberg, Heineken and AB InBev as the largests) should start selling beer to people of the age where it is legal in the home country of that company and then say that the US is after EU companies.
Plenty of people will read the article and will not drink tap water, but will buy even more bottled water.
I have tried to explain to my parents that the water they had from their tap was extremely good quality. Yet they still bought into marketing and fear and dragged bottled water from the store while they where in pain from arthritis and chemo.
When I saw the 'non profit' part, I start to wonder who funded the research.
3 horizontal lines for menu? or was it dots?, WTF is wrong with writing menu
What is wrong with writing menu instead of using an icon is visibility or better: speed of processing. An icon is much easier than text. (Yes, there where studies) The issue is that there is no standard for the icons. The difference is easiest to notice when you look at traffic.
In Europe a lot of standard non-text icons are used. In the US there was so much text that you needed to read. "Only turning left" vs this. The second is much easier to see from far away, faster to process and thus safer and easier. The thing is that it is a standard. So not a pointing finger, not a red arrow, not just a triangle, not a or lightgreen on lemon yellow. It is clear what it means and can not be used with any other meaning like "NO entry to the left"
The reason I like "menu" on a PC instead of an icon is because there is no standard. Not even within the same desktop manager, let alone on websites.
Distractions are only there if you let them. Here is what I do: 1) I turn my phone silent during working hours. There's an app for that. I inform my friends that I will not be reacting while at work. The one exception I had was when my mother was in palliative care in the last two months of her life. She could call me and I would pick up, regardless what the meeting was about or where I was. 2) My phone is private, so my company better not call my outside office hours for work related stuff. My N+1 and N+2 have it, but is not allowed to pass it on. HR does not have my number, because why? The moments I had a company phone, it was very clear for what they could call me and for what not. It was also clear that I did not have a function where I MUST be available outside office hours, so if I saw it and picked it up, fine. If not, it was fine as well. It is my free time, not their time. People who had on-call jobs had a rotating system and where compensated for both the time they had to be on-call (even if nothing happened) and extra IF there was a call. 3) My mails are read on specific times. I have turned off the pop-up. People learn to deal with it. I read them in the morning, just after lunch and just before I leave. If there is something that needs to be solved NOW, just walk up to me.
Yes, I understand that this is not a solution for everybody. Some of those will be.
What you need to do is determine what the issue is and work from there. Put your phone on silent during dinner. Eat at a table, not in front of tv or at your desk and put all devices in silent mode during that period. In that half hour or hour people can do things without you. If you are really that important, ask for a raise. Also understand that an emergency is not something that happens every day. If anything it happens 2 times a year. If it happens more often, it is business as usual.
So just start with your breakfast, lunch and dinner time. Next do it with time you are together with friends and/or family and tell them you want them to do the same.
One friend of us didn't want to, because his work was important, so we started with sending him messages while he was on the phone. Next we told him that he was not welcome if he looked at his phone. He stopped doing it.
I work to live. I do not live to work. But that is pretty much accepted, including the CxO by all in Socialist Europe.
What I feel is sad is that you believe that nothing changed since the 1700's. Just because extremely smart people did something does not mean it can not be improved. It was just a great idea, not a bible. Holding on to it as if it where is not very smart.
However the most important thing that needs to be done is accountability. Talking about actual accountability that is being enforced, not just talked about.
And those smart people in the 1700's also told that having parties was a bad idea.
It clearly states "to 10" That means (and I am rounding up) that he was known by that name up to and including the age of 10. He is a bit older now, so his name as he was President was Barack Obama, not Barry Soetoro.
If we wanted, we could invade Africa, one country at a time, kill all the warlords, take away all the guns and provide all the necessary items.
I doubt that. You are not even able to do that in your own country. Try taking away the guns and see what happens. And you are unable to provide basic things like clean water, education, health for all or a _functional_ democratic system.
And yes, the reason the USofA would try to save Africa would be Imperialism. The reason people do not want you to be the policeman of the world is police brutality.
It is easy to do. All you need is replace the current "First part the post" with a better voting system. e.g. one where you not only vote for the one you want most, but also who you want to win as second or third if your first and second choice do not win. That would encourage multi-party systems and that would encourage negotiations and more people that would agree with decisions.
o the only thing you need to do is restructure politics.
This could be "just" a database fuck-up. To check accounts and transfers, there are several databases that need to be looked at. There are internal ones that look if there are things that need to be paid. There are also outside databases that check if the account the money goes to is somehow noted as suspicious. e.g. known whitewash companies or terrorists.
There are several companies who provide these databases. They ask money, so my guestimate here is that they changed data provider and somehow misinterpreted some data.
To be clear, these databases are not always go/nogo. Some will be adding points and if a certain point is reached, it will be blocked. There will be plenty of rules and they are updated and fine tuned all the time. There is a shitload of if/then/else going on. There will be legal demands as well as internal demands for those rules.
The reason I think this is somehow a serious fuck-up with the database is the sudden number of companies affected with one bank. Most likely to happen if you change data providers. Blocking will happen sometimes, but that will most likely just freeze the transaction. Blocking the account itself needs some serious triggers and if that happens in such a large scale, people will get fired.
My sister works in a home of the elderly. This all sounds like standard behavior. Things get "stolen" all the time. One time the stolen false teeth where found a week later in another persons mouth. I have seen people who put on glasses that where not theirs. They already had glasses on, so now they had two pairs on. I have seen it with my mother who thought they stole her keys, while she had placed them somewhere.
However that does not mean that cameras are welcome in a home. It is, after all, a home, not a prison. That means that they should have a certain expectancy of privacy. I doubt you would be ok to have camera's in your home where others have access to the content.
So no, never camera's just to prove that things didn't happen. And if you think that the family will stop accusing you if you have video, you are wrong. They will come up with some excuse.
Camera's are a technical solution to a social problem in this case (and most others) and will do more harm than good in the long run.
Fukushima won't ever happen again. Because the next executive who tries to save a couple thousand in concrete and rebar for something like this would be reported and immediately ousted
There will always be somebody who is willing to take the risk and think it will; be good enough. Accidents WILL happen. You can minimize the risk and even calculate that people who die because of it will be less than alternatives, but saying that they won't happen is just wrong.
Sure they do. They are just not willing to pay for that difference. "But I can do the job of 2 of them" Great, but they are still not willing to pay that. The thing you can do is lower your price.
Slashdot Mirror
Not just with one late payment. It will be three (months) no payment and/or several late payments.
It will also happen if you are in the red for 3 months on your bank account.
All pretty reasonable, as it will indicate that there are financial issues and it will prevent you from taking another credit.
They are tools to enhance the wealth of the company. If other tools can do that better, other tools will be used.
For this reason alone I never use the self-checkout at the supermarket. It is my (small) way of keeping some people making money at a job.
I do this, because I know my job could be next. Perhaps not directly, but indirectly, because more people on the market means more people entering my field, means a higher supply and thus lower prices.
It confuses two things.
1) Having a shite product
2) Taking a holiday to any shite destination
Even if he where available 24/7, the fact remained that it is a lousy concept of a product. In fact it was GOOD he was not available. That way not more people would have lost money.
I understand that you have to be available more while you are in start-up modus, but reloading your energy is a good thing. Otherwise you BECOME the burnout man.
I do not understand why they even exist. In Belgium we have the National Bank that has the database of all credits. Company has to check there to even be allowed to give a credit. They also need to add the credit they open. They do not see the other companies, just the number of loans and the amounts and all the rest, so they can calculate if there is enough margin to allow a credit.
If a person is on the black list (late payments) they will not be allowed ANY credit. If a company gives a credit where it was not allowed, the company becomes responsible and the person does not even need to pay back that loan. Yes, I have seen that happen. The company needs to take that loss. They asked nicely and they got a reply of "No" (OK, bit longer) from his lawyer and that was the end of it,
https://www.nbb.be/en/about-na...
It is pretty efficient and fast. You ask the customer how much he earns (pay slip and other official proof of income.), you deduct some standard cost of living for food and clothes. You deduct his other loans, if they exist. That is the amount he can spend on a new loan. Is that more than what it would be? Good, you have a loan? It isn't? No loan (or credit or what not).
e.g. income of 1500EUR netto per month (numbers pulled from a dark place)
Rend of 500 per month.
Being able to live 750 per month
Car loan of 250 per month.
That is 1500. No loan for you.
If he earn 1750, he could get a loan/credit where the maximum payment is 250.
The allow/deny a loan is instantaneously. Obviously done over SSL with several layers of security and signing.
What might take a bit of time is verification if the pay slip is real.
Obviously, it is a bit more complicated, but this is the basics. No need to go to a third party as all. The info is already available and required by law.
As a customer, I can ask what is there in my name and how much and what companies and what not.
You wish for those things. I expect that nothing will happen or change. Not for these people. Not for this company. Not for any others in the future.
People have chosen for the new feudal system. The CEO is the new King and his company is his castle.
Here is how it is done in Belgium
1) We have a national number YYMMDD-XXX-YY
2) We have an ID.
You need both to get a credit or a loan.
If you apply for a loan they will check if your ID is stolen or not https://www.checkdoc.be/
They check the BNB. On the BNB every credit and loan is mentions. What a company sees is for each credit/loan:
1) Time it started
2) The amount
3) If there are late payments
With the income and standard of how much you need to live, they will see if they are allowed to give you a loan. Late payments (on the black list) no loan. If the company would do that, they will not even NEED to pay back. Risk is then with the company.
The companies do NOT see what the companies are that have given the loan or credit, unless it is themselves (privacy, you know)
As an individual you can get these names, because it could happen that you have a credit open that has been paid in full.
So there is a short moment between the moment my ID is stolen and when I call in to block it that they could ask for a loan or buy something on credit. This happens, but in very low numbers as you would need to go into a store and it could be already blocked (takes just a call) and the ID is a photo ID.
Also no need for third party to verify the credit situation as it is already centralized and security is pretty tight. Only access if you are allowed to do so. Only information that you need. More info on https://www.nbb.be/en/about-na...
If I did not loan the money, I will not be held responsible and sometimes even if I DID loan the money, I am not responsible.
I did not say that. I even implied that they know the taxes so well that they do not need to pay them and save several millions per year.
What happened has nothing to do with not being aware of how taxes work.
I have been on the other side. I worked at a company then would send out bills that would not be paid. Talking about things under 5EUR or so. I explained first to the CFO and then to the CEO that it is not economically wise to do so.
Made a mini-business case.
It took 4 meetings to explain that taking the "loss" was cheaper than sending the letters.
The solution was that we send three letters. The first as that is required by law. The second, because sometimes do not see the first. The third for people who would get afraid and pay up. After that we just deducted it as a loss.
Save the company around 10.000 per year.
But that took 4 meetings with the CEO (and CFO) before they accepted it. Before I could speak with the CEO I had to defend it before my N+1 and N+2 and I think the CEO just gave in to get rid of me.
Many things like this exist, not because it is logical, but it is too hard to change and most people just give up. When it was put in place, they did not think about it, because incoming profit and outgoing cost for stamps and paper are two different departments.
Yeah, Google has no clue how taxes work.
The thing is that they are not retarded, they are smart,
Disclaimer: I live in Belgium where different taxes for different goods need to be in the bill. Guess what? Companies like MacDonalds and any other are able to have POS machines all over Europe with all the different taxes and are able to handle it perfectly well.
The real issue is that punishment for companies who fuck over customers do not get punished. Accountability is a serious issue. Not only with companies, but also with police violence and politics, among other things.
For those who think the EU is anti US, they are not. It is just that the US companies keep breaking the law.
Perhaps European brewers (Carslberg, Heineken and AB InBev as the largests) should start selling beer to people of the age where it is legal in the home country of that company and then say that the US is after EU companies.
Plenty of people will read the article and will not drink tap water, but will buy even more bottled water.
I have tried to explain to my parents that the water they had from their tap was extremely good quality. Yet they still bought into marketing and fear and dragged bottled water from the store while they where in pain from arthritis and chemo.
When I saw the 'non profit' part, I start to wonder who funded the research.
What is wrong with writing menu instead of using an icon is visibility or better: speed of processing. An icon is much easier than text. (Yes, there where studies)
The issue is that there is no standard for the icons. The difference is easiest to notice when you look at traffic.
In Europe a lot of standard non-text icons are used. In the US there was so much text that you needed to read. "Only turning left" vs this. The second is much easier to see from far away, faster to process and thus safer and easier. The thing is that it is a standard. So not a pointing finger, not a red arrow, not just a triangle, not a or lightgreen on lemon yellow. It is clear what it means and can not be used with any other meaning like "NO entry to the left"
The reason I like "menu" on a PC instead of an icon is because there is no standard. Not even within the same desktop manager, let alone on websites.
Step one: put down your goddamn phone when you are with people.
Distractions are only there if you let them. Here is what I do:
1) I turn my phone silent during working hours. There's an app for that. I inform my friends that I will not be reacting while at work. The one exception I had was when my mother was in palliative care in the last two months of her life. She could call me and I would pick up, regardless what the meeting was about or where I was.
2) My phone is private, so my company better not call my outside office hours for work related stuff. My N+1 and N+2 have it, but is not allowed to pass it on. HR does not have my number, because why?
The moments I had a company phone, it was very clear for what they could call me and for what not. It was also clear that I did not have a function where I MUST be available outside office hours, so if I saw it and picked it up, fine. If not, it was fine as well. It is my free time, not their time.
People who had on-call jobs had a rotating system and where compensated for both the time they had to be on-call (even if nothing happened) and extra IF there was a call.
3) My mails are read on specific times. I have turned off the pop-up. People learn to deal with it. I read them in the morning, just after lunch and just before I leave. If there is something that needs to be solved NOW, just walk up to me.
Yes, I understand that this is not a solution for everybody. Some of those will be.
What you need to do is determine what the issue is and work from there. Put your phone on silent during dinner. Eat at a table, not in front of tv or at your desk and put all devices in silent mode during that period.
In that half hour or hour people can do things without you. If you are really that important, ask for a raise.
Also understand that an emergency is not something that happens every day. If anything it happens 2 times a year. If it happens more often, it is business as usual.
So just start with your breakfast, lunch and dinner time. Next do it with time you are together with friends and/or family and tell them you want them to do the same.
One friend of us didn't want to, because his work was important, so we started with sending him messages while he was on the phone. Next we told him that he was not welcome if he looked at his phone. He stopped doing it.
I work to live. I do not live to work. But that is pretty much accepted, including the CxO by all in Socialist Europe.
And here I sit yelling "Enhance" and hack systems by typing "Override" in the password field.
What I feel is sad is that you believe that nothing changed since the 1700's. Just because extremely smart people did something does not mean it can not be improved.
It was just a great idea, not a bible. Holding on to it as if it where is not very smart.
However the most important thing that needs to be done is accountability. Talking about actual accountability that is being enforced, not just talked about.
And those smart people in the 1700's also told that having parties was a bad idea.
It clearly states "to 10" That means (and I am rounding up) that he was known by that name up to and including the age of 10. He is a bit older now, so his name as he was President was Barack Obama, not Barry Soetoro.
I doubt that. You are not even able to do that in your own country.
Try taking away the guns and see what happens.
And you are unable to provide basic things like clean water, education, health for all or a _functional_ democratic system.
And yes, the reason the USofA would try to save Africa would be Imperialism. The reason people do not want you to be the policeman of the world is police brutality.
It is easy to do. All you need is replace the current "First part the post" with a better voting system. e.g. one where you not only vote for the one you want most, but also who you want to win as second or third if your first and second choice do not win.
That would encourage multi-party systems and that would encourage negotiations and more people that would agree with decisions.
o the only thing you need to do is restructure politics.
This could be "just" a database fuck-up.
To check accounts and transfers, there are several databases that need to be looked at. There are internal ones that look if there are things that need to be paid. There are also outside databases that check if the account the money goes to is somehow noted as suspicious.
e.g. known whitewash companies or terrorists.
There are several companies who provide these databases. They ask money, so my guestimate here is that they changed data provider and somehow misinterpreted some data.
To be clear, these databases are not always go/nogo. Some will be adding points and if a certain point is reached, it will be blocked.
There will be plenty of rules and they are updated
and fine tuned all the time.
There is a shitload of if/then/else going on.
There will be legal demands as well as internal demands for those rules.
The reason I think this is somehow a serious fuck-up with the database is the sudden number of companies affected with one bank.
Most likely to happen if you change data providers.
Blocking will happen sometimes, but that will most likely just freeze the transaction. Blocking the account itself needs some serious triggers and if that happens in such a large scale, people will get fired.
My sister works in a home of the elderly. This all sounds like standard behavior. Things get "stolen" all the time. One time the stolen false teeth where found a week later in another persons mouth.
I have seen people who put on glasses that where not theirs. They already had glasses on, so now they had two pairs on. I have seen it with my mother who thought they stole her keys, while she had placed them somewhere.
However that does not mean that cameras are welcome in a home. It is, after all, a home, not a prison. That means that they should have a certain expectancy of privacy. I doubt you would be ok to have camera's in your home where others have access to the content.
So no, never camera's just to prove that things didn't happen. And if you think that the family will stop accusing you if you have video, you are wrong. They will come up with some excuse.
Camera's are a technical solution to a social problem in this case (and most others) and will do more harm than good in the long run.
There will always be somebody who is willing to take the risk and think it will; be good enough. Accidents WILL happen. You can minimize the risk and even calculate that people who die because of it will be less than alternatives, but saying that they won't happen is just wrong.
I understand all of this, except one: Why do you need to get hold of him after hours?
Just curious.
Here in (Socialist) Belgium he would have been fired as well.
Sure they do. They are just not willing to pay for that difference.
"But I can do the job of 2 of them" Great, but they are still not willing to pay that. The thing you can do is lower your price.