I suppose that's technically true although wikipedia states that she cofounded Epic with a medical doctor and is married to a medical doctor. As a software developer, I rely on subject matter experts frequently. I'm not an expert in radiology, chemical engineering, or any of the other businesses that I support.
I'm genuinely curious. Do you need to go to a physical bank location to do this? How do you buy a car in the evening or a Saturday afternoon, when a bank is closed?
The same thing here in Brasil since 2002.
The only difference that there is an artificial restriction that online transfer between banks outside of banking hours will only clear when the banks open again. Other than that most transfer between banks clear in seconds and can be made from your phone.
This artificial restriction is probably going to be lifted this year.
And of course, if seller and buyer have accounts in the same bank, there's no business hours requirement, it will clear in seconds not matter what the time of the day.
Also, depending on the american bank, I usually am able to cash wire transfers coming from the US in the same day, if the american bank sent the wire during brazilian business hours.
Everytime I deal with the American banking system I get appaled by its primitiveness. ACH is basically how banking technology worked on the early 90's in Brasil.
Not necessarily, but safer to do so. I recently bought a used car from a private party, and we went to a lobby of a bank to close the final transaction. I got a cashier's check from the bank, signed it over to the seller, and exchanged the keys/title for the car.
This way, neither the buyer nor the seller needs to carry large amounts of cash with them. The cashier's check is not given unless the buyer's account has enough funds to cover it, so the seller doesn't need to worry about a bounced check.
I've always bought and sold vehicles (or anything private sale) in cash in Canada because I am extremely leery of reversible payment methods where the payment account owner can claim 'fraud' and I'm out the item and the money.
Craigslist and Kijiji (the most popular online classifieds platforms) explicitly warn people to deal only in cash because of this problem.
It depends on the country. Within the EU, SEPA transfers must be no more expensive than the equivalent domestic payment. At least in Sweden, this means that SEPA transfers are free.
> Charges levied by a payment service provider on a payment service user in respect of cross-border payments in euro shall be the same as the charges levied by that payment service provider for corresponding national payments of the same value in the national currency of the Member State in which the payment service provider of the payment service user is located.
SEPA instant transfers do typically cost around 1 euro in Spain and France, for example. Also for domestic transfers, so I’m not sure that regulation will have an effect.
Sounds like a good way to get mugged with violence.. "Transfer me all of your bank account, right now !!" (To an account opened using fake ids of course)
People with fake IDs are not going to engage in mugging. If you plan out your crimes so much that you have fake IDs ready, it's way safer and more profitable to do some scamming or fraud scheme instead.
They're not legally required to be instant, but they usually are. The "ambition" set out legally was half a day, if your transaction is initiated in the morning it should clear that afternoon. It's just that in practice instantly is the realisation of this ambition when things work. And I don't think there's any API requirement, the regulation just explains the consumer experience, that you can transfer relatively small amounts of money (enough for a nice car, not enough for most houses) fast ("Faster Payments" is the name given to this feature), and doesn't dictate how.
For large transactions transfer for a fee already existed. CHAPS will move much larger sums of money (it's typically used to buy property so certainly millions but perhaps more) for a modest fee. You wouldn't want that fee on your weekly groceries, but when you just bought a house who cares?
Last I looked the backend for Faster Payments wasn't actually built. The big banks decided instead "temporarily" to just trust each other. If Bank A says Cathy sent Mike £5000 then Bank B where Mike's account is will credit Mike £5000 (probably instantly), presumably Bank A will reduce Cathy's account by £5000 and the two banks agree they'll settle things at the end of the day. This is only scary if Bank A might not actually have that £5000 to give Bank B at the end of the day when it's settled, which in principle should never happen under current financial regulations.
Incorrect. I tried to buy a new car in France with a credit card. That was an extremely awkward moment. I was kindly told that this was a very weird thing to ask.
To be fair, in Romania I was refused too, ~5years ago. All cards have a percentage fee - when you spend tens of thousands on something, even a small percentage adds up. Thus the car dealers require a bank transfer, which is generally free of charge for both parties.
It looks like the change in 2015/2016 to reduce card fees, while enabling us to buy a single bottle of milk by card with a 0.2% fee for the merchant, has made things worse for people selling cars.
Instead of a small, fixed fee (e.g. £0.10) it's now also 0.2%.
Typically the payment happens post-haggling... and by that point 1% of the price might be their entire margin on the sale. I mean, if you pay full list price, maybe they won't mind you paying with card :D
Even if the bank branch is closed, they usually have private ATMs available that are much more capable than your average US-style ATM. You can do just about anything at those ATMs that you could do inside the branch.
At least, that's the way it was back in 2006, when my wife and I moved from Brussels, Belgium back to the US.
I remember many long hours sat at one of those ATMs (yes, they had private seating for most of them), paying various bills electronically using the bank account number given to us by the company that sent us the bill.
Prior to SEPA becoming prevalent, I've witnessed it done with an id and credit check together with a decent sized deposit via debit/credit card (~€10K). Balance wired using SWIFT or TARGET2 within 72 hours of driving away. You have to swallow the card processing fees though.
Don’t you need to register the car in the DMV and get an insurance before you can drive away? That’s definitely the case in the parts of Europe I’m familiar with.
Car dealers over here are also "DMV deputies" for lack of a better translation. You bring your license, they type some things in their computer, print an ownership document and you get your car. The more permanent (creditcard sized) ownership card thingy will arrive in the mail a few days later.
Insurance is indeed mandatory, but you can get it online in 5 minutes. Or by phone. They call it "drive away coverage" that works immediately but requires signing the final policy etc within something like a week.
Getting insurance can be done online in about 5 minutes and the registration at the DMV equivalent is your problem (as the buyer) afterwards and can be done anytime in the next 2 weeks.
I can see that happening for second-hand cars but not for new cars that have to be issued new plates. But maybe things work differently in other countries. “Europe” is not really one place.
I got that kind of temporary plates once... at the DMV. It was quick, but they didn’t materialize magically when I needed them. Maybe it’s easier now, though.
that just means Office 365 has a bug in it, not that using that feature is an "email hack"
the plus syntax is part of the email address specification. any server that doesn't support it is by definition buggy because some mail won't work as expected or designed.
I think you're talking about just allowing the symbol. The plus sign is an allowed character in the local part in the spec. But mailservers are not required to treat it specially and apparently Exchange doesn't. That seems to be the thrust of the comment you answered to.
Tangentially, what's impossible to solve is all the developers out there who build input forms that will not accept an address with a "+" in it and flag it as invalid. They just use a regex that looks for alphabets, numbers, underscores, dots and one @ sign (I've also seen forms that won't accept any TLD other than .com).
However, if the system isn't maintained it often needs replaced at a large expense. Most homeowners don't know how to inspect and don't bother to hire someone knowledgeable.
Our local township has an ordinance where every residential sewage system (10k residents, not sure how many systems that is) has to be pumped out and inspected by a certified sewage hauler. This way, the homeowner knows about and is required to make simple repairs before the entire system fails.
I've been working remote from home for 15 of the past 18 years.
Taking it a step further, the biggest problem with "my door is shut, I'm at work" is that I sometimes need to open my door. Perhaps for lunch or a snack. Or just to stretch my legs and think. Just because my family sees me wandering around the house doesn't mean I'm available.
I've found that it works best to have my wife & kids email me questions/info/thoughts even though we're in the same house. I can then respond when I'm available. Sometimes via email or sometimes by initiating a conversation.
I use a combination of SQL Hunting Dog http://sql-hunting-dog.com/ (quick search all object names) and a SQL script from the (free) SSMSBoost plugin that looks at most object definitions but not table columns unfortunately. I've used Red Gate's SQL Search in the past but it's always been slow and buggy over the VPN.
If you're looking for a better execution plan utility, check out SQL Sentry's Plan Explorer. It's free.
In the object explorer just some text input that would filter accordingly. Some of our databases have a TON of tables/sprocs and it would be a nice convenience.
SQL Hunting Dog looks exactly like what I've been wanting, thanks for the recommendation!
I suppose that's technically true although wikipedia states that she cofounded Epic with a medical doctor and is married to a medical doctor. As a software developer, I rely on subject matter experts frequently. I'm not an expert in radiology, chemical engineering, or any of the other businesses that I support.
https://en.wikipedia.org/wiki/Judith_Faulkner