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Small Bank In Kansas Creates the Bank Account of the Future

sabbede Re:Long waits? (155 comments)

I always thought CC's were evil. Though, considering that all the bank fees had the effect of forcing me into a state of permanent debt anyhow, using one may have been wiser. In the end, switching to a credit union was the best solution. Their business model is far friendlier to members, and they offer comparable (if not superior) products and services. Plus, they pay dividends!

I don't know when the banking industry shifted from their traditional revenue-from-lending model to the present "screw 'em with fees" model, but it stinks.

2 days ago
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U.S. Passenger Vehicle Fleet Dirtier After 2008 Recession

sabbede Re:I have certainly done my part! (176 comments)

Dirt bikes and hybrids are penis neutral. To my knowledge there is no correlation between smugness and penis size, just being a skinny little wuss.

2 days ago
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Small Bank In Kansas Creates the Bank Account of the Future

sabbede Re:Misleading article - you must use ACH (155 comments)

Why are intra-bank transfers handled via ACH? Why is my credit union able to avoid the ACH system unless dealing with a traditional bank?

The delays and confusion built in to the ACH system allow banks to extract fees from customers that would not otherwise be possible. ACH is an antiquated system that needs to be replaced, but banks have no incentive to do so.

3 days ago
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Small Bank In Kansas Creates the Bank Account of the Future

sabbede Re:Sigh. (155 comments)

My credit union transfers funds near instantly. The only time there is a delay is when they have to interact with the antiquated ACH systems at traditional banks. My old bank would charge around $23-$26 for a wire transfer or print and mail a check. Even for transfers between accounts at the same bank!

3 days ago
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Small Bank In Kansas Creates the Bank Account of the Future

sabbede Re:Sigh. (155 comments)

Hear Hear! I had a nearly identical experience with my US bank - including taking time to explain to my bank manager why their system was utterly wrong. I got nowhere, so I closed my account and joined a Credit Union. I don't know if you have something similar in the UK, but it's like a bank without the BS. Instant electronic transfers, members are owners so they don't try and screw you... I had $250 in fees once because my bank transferred money by printing and mailing a check!!

And two years after leaving them, they still want almost $500 from me, that they are never going to get.

3 days ago
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Small Bank In Kansas Creates the Bank Account of the Future

sabbede Re:Long waits? (155 comments)

It can be disastrous! The ACH delay screwed me on more occasions than I can count, and banks use it to maximize the fees they can hit you with.

Can you not think of an instance where a two day delay would be too long? Because it has cost me hundreds in ridiculous fees over the years.

3 days ago
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Small Bank In Kansas Creates the Bank Account of the Future

sabbede Re:Long waits? (155 comments)

I can't think of any other industry that screws their customers like that. Join a credit union. They aren't out to screw you.

3 days ago
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Small Bank In Kansas Creates the Bank Account of the Future

sabbede Even better (155 comments)

just join a Credit Union. All the benefits of a bank with none of the BS. I switched after realizing my bank was manipulating the ACH system to maximize the fees they could hit me with - for example, bouncing my rent check by processing it just before the deposit that covered it.

3 days ago
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Google Suggests Separating Students With 'Some CS Knowledge' From Novices

sabbede I had hoped (307 comments)

that this was about doing something to allow students with CS experience to skip introductory classes.

4 days ago
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U.S. Passenger Vehicle Fleet Dirtier After 2008 Recession

sabbede Re:I have certainly done my part! (176 comments)

I find that, broadly speaking, there are two basic categories of people who drive pickups. The first are folks who do physical labor (skilled and unskilled) and need it for their jobs - contractors, carpenters, electricians, etc. The second are those seeking to compensate for feelings of inferiority stemming from physical or psychological shortcomings, such as ineffective genetalia.

Feeling larger and more powerful than other vehicles on the road is particularly important for that sad second group.

So, is it loaded up with tools and material, or compensation?

about a week ago
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U.S. Passenger Vehicle Fleet Dirtier After 2008 Recession

sabbede What about "Cash for Clunkers"? (176 comments)

Was that factored in? Did it actually do anything, or was it just a way to make money disappear?

about a week ago
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Julian Assange Trying To Raise Nearly $200k For a Statue of Himself

sabbede I am also trying to raise (171 comments)

$200k for a statue of myself. Where's my story slashdot!?

about a week ago
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Comcast Sued For Turning Home Wi-Fi Routers Into Public Hotspots

sabbede Re:I can turn it off? (291 comments)

Geez... At least I can put the thing into bridge-mode without tier 2 now.

But that still doesn't explain why I can barely "hear" xfinitywifi. According to the app, the nearest hotspot is a block away.

Like I said though, I wouldn't really mind. Assuming that traffic wouldn't count against my cap (which they promised didn't exist, the fuckers.)

about a week ago
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Court Bans Sale of Xiaomi Smartphones In India

sabbede Normally, I'd figure (40 comments)

that Ericsson was just trolling, but Chinese companies aren't exactly known for respecting IP.

about a week ago
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Comcast Sued For Turning Home Wi-Fi Routers Into Public Hotspots

sabbede I can turn it off? (291 comments)

I don't see that option anywhere on my router/modem. I have a wifi on/off setting, but there's no indication that it turns off xfinity wifi. I have it off, and don't have a hotspot showing, so I guess that does it.

If I had the option to turn on the hotspot, I probably would. I really don't mind, and I've used the hotspots in the past, so it would be only fair.

about two weeks ago
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UK Announces 'Google Tax'

sabbede Re:Get rid of corporate taxes totally (602 comments)

People everywhere in the world own shares of Google. And Google has employees in the UK whose income is taxed. Past that, maybe the UK doesn't have a right to tax them.

about two weeks ago
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UK Announces 'Google Tax'

sabbede How they possibly figure it out? (602 comments)

Multinationals like Google are so complex, how is a national government supposed to figure out what is has a legitimate claim to tax? Without a formal international structure for tax collection, it won't work.

about two weeks ago
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18th Century Law Dredged Up To Force Decryption of Devices

sabbede Re:5th Admendment? (446 comments)

No, the All Writs Act just gives courts the authority to issue the warrants required by the 4th Amendment and defines part of "Due Process" for the 5th.

about two weeks ago
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Big Banks Will Vie For Your Attention With Cardless ATMs and VR

sabbede Banks innovate? (76 comments)

I find that rather hard to believe. I left my bank for a local Credit Union (best idea I've ever had) after finding out that a simple transfer from one account to another (both at the same bank) involved printing and mailing a check! When I asked why I couldn't just log in to my account and make the transfer electronically, they said it was too insecure. I pointed out that if a thief could get into my account, a simple electronic transfer wasn't even the best way to rob me, but all I got was some ignorant line about industry practices.

Well, that wasn't the only reason - their practices (industry standard according to them) seemed to revolve around providing me with as many fees as possible. Last straw was my rent check bouncing the same day my paycheck deposited.

about two weeks ago
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Is Chernobyl Still Dangerous? Was 60 Minutes Pushing Propaganda?

sabbede Either way (409 comments)

touring the Exclusion Zone remains at the top of my dream vacation list.

about two weeks ago

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