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It's always amazing to re-discover how far behind the USA is in so many things. Our culture has a ton of ego wrapped up in the idea that we're the most advanced in everything that matters and other countries exist on a spectrum from "backwards hellhole" all the way up to "america junior". No matter how hard you try to not fall for it, it's still easy to be surprised when you encounter the solutions that other countries are using to problems we've somehow filed away as "just something we have to live with in modern society.  "
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May 31, 2014 10:28
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That's ok guys, Japan still has no self-service banking and insists on using fax for everything.
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May 31, 2014 10:54
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mcustic posted:The same here in Croatia, but my authenticator is IN MY DEBIT CARD! My standard sized card has a little LCD screen and touch-sensitive keys that let me generate my passkey on the spot. How cool is that? Yeah, this is newly implemented. Since my debit card just expired, I'm going to replace it with these new ones on Monday 
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May 31, 2014 11:04
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Riso posted:That's ok guys, Japan still has no self-service banking and insists on using fax for everything.
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May 31, 2014 11:09
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Ditocoaf posted:It's always amazing to re-discover how far behind the USA is in so many things. Our culture has a ton of ego wrapped up in the idea that we're the most advanced in everything that matters and other countries exist on a spectrum from "backwards hellhole" all the way up to "america junior". So in America, I assume people carry a lot more actual cash, since paying with card for the majority of things would be inconvenient? I spend about £2.50 ($4) a day on lunch when I'm at work by heading down to the convenience store around the corner, and pay by card each day, and would generally do the same for any purchase larger than that. I carry about £2 in change or a five pound note just in case I need to pick up something from the smaller shop near home which charges to use a card or some other edge case which requires cash, but the majority of days I don't use it, and the only circumstances under which I'd carry a larger amount of money would be if I only had larger notes, or if I was going out to a bar which didn't take cards. That's not to say everyone in Britain is like me (far from it), but could imagine getting funny looks in America if I tried to pay for a baguette and a small bottle of coke with a card, given that you apparently still have that rigamarole of handing your card to the cashier, swiping and signing.
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May 31, 2014 11:28
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Reveilled posted:So in America, I assume people carry a lot more actual cash, since paying with card for the majority of things would be inconvenient? I spend about £2.50 ($4) a day on lunch when I'm at work by heading down to the convenience store around the corner, and pay by card each day, and would generally do the same for any purchase larger than that. I carry about £2 in change or a five pound note just in case I need to pick up something from the smaller shop near home which charges to use a card or some other edge case which requires cash, but the majority of days I don't use it, and the only circumstances under which I'd carry a larger amount of money would be if I only had larger notes, or if I was going out to a bar which didn't take cards. A lot of places in Britain still have that card minimum payment thing though. In Finland nowhere has those, and paying by card is absolutely the norm. It's kinda daft, because for example a busy bar gets totally loving clogged when everyone pays by card and someone's payment bugs out. I get cash when going out just to get a moral high ground.
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May 31, 2014 11:33
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Ditocoaf posted:It's always amazing to re-discover how far behind the USA is in so many things. Our culture has a ton of ego wrapped up in the idea that we're the most advanced in everything that matters and other countries exist on a spectrum from "backwards hellhole" all the way up to "america junior". A classic:  Adoption of the metric system by year. Black = not yet 
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May 31, 2014 12:00
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Ras Het posted:A lot of places in Britain still have that card minimum payment thing though. In Finland nowhere has those, and paying by card is absolutely the norm. It's kinda daft, because for example a busy bar gets totally loving clogged when everyone pays by card and someone's payment bugs out. I get cash when going out just to get a moral high ground. People who pay by card at bars are the loving worst. Also most chain shops in Britain won't charge but, yes, independent stores will because they obviously need to be able to cover their costs. Also on the subject of cards is it true that all ATMs in the States charge for cash withdrawals? In the UK the only ones that do that are the weird ones at the back of corner shops or in night clubs.
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May 31, 2014 12:04
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a pipe smoking dog posted:Also on the subject of cards is it true that all ATMs in the States charge for cash withdrawals? In the UK the only ones that do that are the weird ones at the back of corner shops or in night clubs. Yeah that's the norm. They'll either charge you unless you're with the specific bank they're associated with, or they'll charge everyone a service fee that goes to whoever owns the shop it's in.
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May 31, 2014 12:19
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a pipe smoking dog posted:Also on the subject of cards is it true that all ATMs in the States charge for cash withdrawals? In the UK the only ones that do that are the weird ones at the back of corner shops or in night clubs. Not always. Depends on your bank and who owns the ATM.
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May 31, 2014 12:20
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Parallel Paraplegic posted:EDIT: So if you buy things online do you get a card reader for your PC or do you just use the pin in that case? I always thought the chips were a neat idea. You login to your online banking service through the store's you purchase at web page, login using one of several methods available (like, mine is login + password + random code off randomised 72 6-digit number card)), verify pay data, enter another code off that card (or w/e other methods have, there is additional security layer there) and then you make your payment. Or you pay with your card - you just enter card details in your PayPal or something to put it for use, then (my bank's requirement) you set up 3D-Secure payment password for online card payments that are disabled until you set this password, and then each time you pay with your card online, you enter this 3D-Secure password. cinci zoo sniper fucked around with this message at 13:11 on May 31, 2014 |
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May 31, 2014 13:06
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Reveilled posted:So in America, I assume people carry a lot more actual cash, since paying with card for the majority of things would be inconvenient? No. Most anybody under the age of 50 will pay for everything with a card. You're really over blowing how inconvenient it is. You swipe your card on the machine in front of you and enter your pin. You only sign if the amount is over a certain threshold, like 50 bucks or something. It's literally the same as Chip and Pin, as far as inconvenience at the point of sale goes. Even paying by card at bars is normal and easy. You just set up a tab and pay for all your drinks all at once, instead of paying for each drink and counting out cash every time you order it.
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May 31, 2014 13:23
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Mikl posted:A classic: We actually technically adopted it but we just never got around to implementing it. 
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May 31, 2014 13:38
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Reveilled posted:So in America, I assume people carry a lot more actual cash, since paying with card for the majority of things would be inconvenient? I carry cash around because half of all services have tipping involved somehow and not all of them allow me to add a tip to the receipt.
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May 31, 2014 14:09
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a pipe smoking dog posted:
Not if your bank owns the ATM in question or if your bank is in some sort of alliance (a lot of credit unions have a nationwide system set up). And the Chip & Pin argument has been done literally a dozen times in YOSPOS and every time people point out that if you somehow lose your PIN number you're legally screwed because "you must've given it to someone, not our [the bank's] problem". computer parts fucked around with this message at 14:11 on May 31, 2014 |
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May 31, 2014 14:09
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 Here's an interactive version: http://www.slate.com/articles/techn..._polluters.html
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May 31, 2014 14:18
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Nations around the world condemning a nuclear strike against Israel? This game is obviously unrealistic. Boiled Water posted:I recall reading about a danish publisher who made a child pornography magazine, which at that time was perfectly legal. I don't, however and I count myself lucky, remember the title. Daniel Cohn-Bendit, currently president of the European Greens, wrote a book in the mid-seventies that was partly about his sexual escapades with children. It's fictional and I'd chalk it up to ignorance and a desire to stir up controversy rather than malice, but it still shows how attitudes can change. e: I see it's already been mentioned a few times. Phlegmish fucked around with this message at 14:28 on May 31, 2014 |
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May 31, 2014 14:19
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Carbon dioxide posted:From that we can conclude that countries are evil. I warned you about states man. I told you dog.
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May 31, 2014 14:29
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Mikl posted:A classic: These maps always make French Guiana look awesome until you remember they're a part of France proper.
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May 31, 2014 14:33
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It's also why Algeria implemented it earlier than the rest of Africa.
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May 31, 2014 14:50
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Mikl posted:A classic: What do the white countries mean? And Canada only went metric in 98? Wikiepedia says it started in the 70s, though stalled in the 80s and remains only mostly-implemented.
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May 31, 2014 14:51
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Phlegmish posted:These maps always make French Guiana look awesome until you remember they're a part of France proper. For the same reason it's darkly humorous to show Algeria as adopting the metric system in the 1830s, when France annexed it.
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May 31, 2014 14:59
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Count Roland posted:What do the white countries mean? It's countries that already had implemented metric system when they gained independence.
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May 31, 2014 15:09
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Reveilled posted:So in America, I assume people carry a lot more actual cash, since paying with card for the majority of things would be inconvenient? I spend about £2.50 ($4) a day on lunch when I'm at work by heading down to the convenience store around the corner, and pay by card each day, and would generally do the same for any purchase larger than that. I carry about £2 in change or a five pound note just in case I need to pick up something from the smaller shop near home which charges to use a card or some other edge case which requires cash, but the majority of days I don't use it, and the only circumstances under which I'd carry a larger amount of money would be if I only had larger notes, or if I was going out to a bar which didn't take cards. I use debit for almost everything in DC. Minimum charges are less and less frequent all the time. I carry cash for tips and very small purchases, but don't usually spent more than $5-10 cash a day.
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May 31, 2014 16:19
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Reveilled posted:So in America, I assume people carry a lot more actual cash, since paying with card for the majority of things would be inconvenient? I spend about £2.50 ($4) a day on lunch when I'm at work by heading down to the convenience store around the corner, and pay by card each day, and would generally do the same for any purchase larger than that. I carry about £2 in change or a five pound note just in case I need to pick up something from the smaller shop near home which charges to use a card or some other edge case which requires cash, but the majority of days I don't use it, and the only circumstances under which I'd carry a larger amount of money would be if I only had larger notes, or if I was going out to a bar which didn't take cards. Where I live, at some stores you just swipe your card and go. Under a certain amount they don't require a signature if used as credit. I don't know if it's a store by store thing or a state thing.
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May 31, 2014 18:02
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Peanut President posted:Where I live, at some stores you just swipe your card and go. Under a certain amount they don't require a signature if used as credit. I don't know if it's a store by store thing or a state thing. It's a store by store thing at least, and possibly also bank by bank. There are a couple big chains here in NYC that don't require signatures, but pretty much every small place does.
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May 31, 2014 18:08
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Modern Day Hercules posted:You're really over blowing how inconvenient it is. You swipe your card on the machine in front of you and enter your pin. You only sign if the amount is over a certain threshold, like 50 bucks or something. And if you're using credit, not debit, you don't enter a pin at all. The highest level of security at the point of purchase using credit cards in the US is at gas station pumps--some around here ask for your zip code for verification. Because if someone steals my wallet, how they will know my address? 
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May 31, 2014 18:09
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TheImmigrant posted:I use debit for almost everything in DC. Minimum charges are less and less frequent all the time. I carry cash for tips and very small purchases, but don't usually spent more than $5-10 cash a day.  Also I live in Florida and all the old ladies pay by check at the supermarket and hold everyone else up as their little old lady arthritic hands carefully write out each little part of the check. Everyone else pays by card or cash, mostly card.
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May 31, 2014 18:38
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I use a debit or credit card in the US for drat near everything. I almost never get cash out unless I plan on leaving a tip. It's pretty rare for a store these days to have a limit on what you can use your card on but it's usually $5 or more for the few places that still do that. I stop in a store all the time and use my card for a 1 or 2$ drink. The only places I know of that still mail your pay check are usually for seasonal or minimum wage jobs. Nearly every job I've ever had in the past 10 years has directly deposited my pay into my bank account.
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May 31, 2014 19:30
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Mustang posted:I use a debit or credit card in the US for drat near everything. I almost never get cash out unless I plan on leaving a tip. It's pretty rare for a store these days to have a limit on what you can use your card on but it's usually $5 or more for the few places that still do that. I stop in a store all the time and use my card for a 1 or 2$ drink. Yeah pretty much everything I get these days I use a card for, even tiny things, and good payment processors and point of sale hardware nowadays is faster than counting out money would be (because us yanks don't use that plastic monopoly fun money that makes it easy to tell what's what at a glance or whatever). Just swipe and you're done for most things. My job gave me pay as a check until they got direct deposit set up (our payroll processor sucks and took like 4 weeks to do it apparently), and they pay me for extra contract work i do with checks. I take a picture of the check with my phone using an app and money magically appears in my account instantly. EDIT: Did I mention bank transfers take like 1 to 3 days and cost money here? Because as I understand it apparently europe has instant transfers.
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May 31, 2014 19:35
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Parallel Paraplegic posted:EDIT: Did I mention bank transfers take like 1 to 3 days and cost money here? Because as I understand it apparently europe has instant transfers.
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May 31, 2014 20:08
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Parallel Paraplegic posted:Yeah pretty much everything I get these days I use a card for, even tiny things, and good payment processors and point of sale hardware nowadays is faster than counting out money would be (because us yanks don't use that plastic monopoly fun money that makes it easy to tell what's what at a glance or whatever). Just swipe and you're done for most things. Define bank transfers because if you mean taking 200 dollars from your account to someone else's it's nearly instant and free in rural Indiana.
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May 31, 2014 20:21
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Mustang posted:I use a debit or credit card in the US for drat near everything. I almost never get cash out unless I plan on leaving a tip. It's pretty rare for a store these days to have a limit on what you can use your card on but it's usually $5 or more for the few places that still do that. I stop in a store all the time and use my card for a 1 or 2$ drink. Idk about mail, I've never heard of anyone period being mailed their check, but I work at a low wage job for a big company and while they do offer direct deposit, judging by the stack of checks at the service desk each Thursday it would appear the good deal of people don't use it, including me. Maybe it's an mentality difference between income where people want to have their money in some physical way. It may also be people want to see their checks in detail as if you're salaried or work the same hours every week, you know what you're getting paid. If you work different hours for different pay every week then every week that pay number is going to change.
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May 31, 2014 20:30
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Amused to Death posted:Idk about mail, I've never heard of anyone period being mailed their check, but I work at a low wage job for a big company and while they do offer direct deposit, judging by the stack of checks at the service desk each Thursday it would appear the good deal of people don't use it, including me. Maybe it's an mentality difference between income where people want to have their money in some physical way. It may also be people want to see their checks in detail as if you're salaried or work the same hours every week, you know what you're getting paid. If you work different hours for different pay every week then every week that pay number is going to change. Wouldn't the hours you work, the tax deducted, and the pay you receive be detailed on your payslip?
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May 31, 2014 20:56
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marktheando posted:Wouldn't the hours you work, the tax deducted, and the pay you receive be detailed on your payslip? I guess, idk, I've never used direct deposit so I don't know how the payslip would work if you get them there or if they're mailed or what.
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May 31, 2014 21:16
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Amused to Death posted:I guess, idk, I've never used direct deposit so I don't know how the payslip would work if you get them there or if they're mailed or what. In my experience (never had a job that didn't just pay directly into my account, in the UK), you get the pay in your account and then you get the payslip either in the post a few days later or just handed to you at work.
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May 31, 2014 21:24
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Everything I've done recently here in NL was paid by bank transfer, even single-time projects. In that case they usually send some kind of form or contract which notes the total amount of money I receive. I fill in my details including bank account nr, sign it, send it back to them, and the money is transferred to my account within a week. The only time this was different was when I had a Saturday job at a farm as a teen. They just paid in cash. I've never in my life seen a cheque, they're a thing from movies. Having said that, I was quite surprised by a story I heard recently. This guy (also Dutch) was getting some money each month from the Belgian government, because his Belgian-born wife died. At first, they'd send him cheques. This caused a lot of complications. They'd sent him something like 80 eur per month, but to cash the cheque he had to go to one specific bank (not his own), apparently the only one in the country that processes these cheques, pay 20 eur transfer costs, and then it would be delegated to a BRITISH company who would make sure that the Belgian money would end up in his hands after a few weeks of waiting. After he called the Belgian government to complain about this, they asked for his bank account nr and some ID information to prove it was actually his number and they set up an automatic direct transfer thing for every month to follow. marktheando posted:In my experience (never had a job that didn't just pay directly into my account, in the UK), you get the pay in your account and then you get the payslip either in the post a few days later or just handed to you at work. That is how it used to work here. Nowadays, many companies dump the payslip in some system in their intranet so you can download it as a pdf. I get a mail whenever there's a new one for me in the system. They say it saves paper, but it's annoying because in my experience those intranet systems are slow, inconvenient, and buggy. Carbon dioxide fucked around with this message at 21:30 on May 31, 2014 |
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May 31, 2014 21:25
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Amused to Death posted:I guess, idk, I've never used direct deposit so I don't know how the payslip would work if you get them there or if they're mailed or what. With direct deposit, typically you get a voided check otherwise identical to an old-school paycheck.
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May 31, 2014 21:34
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Peanut President posted:Define bank transfers because if you mean taking 200 dollars from your account to someone else's it's nearly instant and free in rural Indiana. Yes that's what I mean. With my bank (big megabank, but it was the same when I was with a credit union) it costs like $10 to $20 to do the transfer to someone else, and the money is removed from my account instantly but only makes it to their account after like a day or two. I have no idea why this is the case. EDIT: Transferring between accounts in the same bank is free and instant, though.
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Jun 1, 2014 03:18
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Parallel Paraplegic posted:Yes that's what I mean. With my bank (big megabank, but it was the same when I was with a credit union) it costs like $10 to $20 to do the transfer to someone else, and the money is removed from my account instantly but only makes it to their account after like a day or two. I have no idea why this is the case. Basically because there's a middleman between the banks and it's more cost efficient to just send as many transfers as possible (so every day or two).
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Jun 1, 2014 03:33
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