Yep, that's what people were telling me an e-check was. But I haven't looked into it myself, I just haven't because I mail a check without even thinking about it. Its just been engrained in me as a habit.
273 karma · joined August 15, 2014
I transfer money to and from my bank accounts using ACH transfers. It typically takes a few days for those to clear.
That hasn't been my personal experience. I've never had to jump through hoops or have a minimum balance.
I'm just sharing my experience which is apparently different from yours.
Oh wait... I had to pay a one time $5 fee to join one of my local credit unions.
I actually had this issue once. I solved it very easily, I put the key in an envelop and mailed it.
Neglect is defined as "neglect of an insured to use all reasonable means to save and preserve property at and after the time of loss."
My insurance adjuster also asked me specifically about deadbolts.
Almost nobody uses checks anymore. I do, but I'm old and cranky. ;)
Actually, the only time I use a check is to pay rent because check or money order is the only way my landlord accepts payment. Apparently there is something called "e-checks" or something but writing out a check once a month isn't a pain point for me.
And it was required to write out a check (or money order) to get my US passport.
It isn't "worst-first" thinking, it is "ok, I'm replacing a critical component, does this replacement meet all the the required specifications of the thing I am replacing it with? What are the potential consequences?" Which takes almost no time, its just a question that needs to be answered in my field.
Perhaps my work in such a regulated environment has taught me to think that way.
I have family in the insurance business, and they've talked about having to deny claims for various (kinda silly in a way) reasons. And getting death threats because of it...
My insurance covers me in the case of theft. When I applied for my policy the adjuster asked me questions about my physical security. Do I have a deadbolt? Security system? Things like that. These variables (along with others, crime rate of my neighborhood, for example) were plugged in and I was given a policy with a premium tailored to my risk. If I lie about my risk to get a lower premium, then if I make a claim, then I won't be covered.
Consider a 100% purely hypothetical situation where I told my insurance company I have a deadbolt on my door. They issue me a policy based on that information. This policy has language in it that defines what a deadbolt is. I then replace my deadbolt with something that doesn't fit the language of my policy. I make a claim, and an insurance adjuster comes to my house. They notice that I was using a tool to secure my door that didn't fit with my policy language. Now I won't be covered because I didn't follow the policy.
Of course that's entirely hypothetical. Maybe (probably?) not even likely. But since it takes all of 5 minutes to verify if the new lock you are installing is compatible with your insurance policy, it would be braindead to not check.
Just something to consider...
False security? In what way? False as in they don't do anything? Or false in that they give you a false sense of security?
Deadbolts prevent the most casual of crime and crime of opportunity. Which I would argue is probably the most prevalent type of crime.
I deal with extremely detailed regulations and policy on a regular basis (I work in a very regulated field) and we MUST do things that are very specific all the time. We need to follow the letter of the law (not just the intention). Looking up "hey, can I do this?" is part of my job, so I'm ALWAYS thinking that way. Policy is usually one step back from new technology. You may have laws and regulation that details specific technologies that may be used in different applications.
No. It was a hypothetical situation to CONSIDER. Everyone's situation is different. You should consider what insurance ramifications would be and make sure you are reporting accurately to your insurance company, because inaccuracies can potentially have bad consequences. Unknowingly. Unlikely, but worth looking into first. Check the wording on your policy, it may list things that are disallowed. It may have a different category for electronic locks (and you may even get a discount!) Not saying this is insecure or a physical lock is better, but its use may be excluded in your policy for whatever stupid or non stupid reason. Check it. Thats all I'm saying.
You read my post wrong.
How do you know? Landlord tenant laws are incredibly local (you can't possibly know all of them for all locales in the world) and can be very specific and probably haven't gotten caught up to new technology. My town (just the town!) has a 30+ page document on what a landlord has to provide a tenant written in very VERY specific terms. Thats not even considering state laws. And federal.
If you report to your insurance company you have a deadbolt and then your house gets broken into. (Perhaps due to a flaw in the software?) Now your insurance company finds out you have a Bluetooth dohicky on your door rather than a physically locked deadlock lock. Your insurance now won't pay up.
I'm not sure how much those Proxcards that every business in the world uses costs, but they sure are time tested and convenient. Probably expensive though. I believe they are RFID.
Don't put this on your rental property either until you consult your local laws regarding requirements for doors and locks for rentals to see if this meets the requirements.
The website rendered so badly on my phone I went to go check out how it looked on the desktop. Well, the video pause issue is fixed... (I still think putting a video in a jQuery modal is incredibly annoying...just embed the video)
You need to fire your "usability consultant." Your color scheme is absolutely horrible for anyone who is older or with less than perfect vision. It is very difficult to read for me.
Any time your as yourself "should I display my -main content-* in white text" the answer should be no. Doublely so if you your background is light pastel green.
Light grey on white is another combo that is extremely hard to read. So is white on very light picture of a beach.
Animated backgrounds(?) (The background is not animated in my mobile browser) are not only are incredibly distracting, but also actually, ironically, cause anxiety for me. I'm sure I'm not the only one.
I know different people have different preferences, but at LEAST give your color scheme some halfway sane contrast. And fix the rendering errors on mobile. Both issues, besides affecting usability, make you look amateurish. In my opinion.
*not saying you should never use white text, ever. Just not in paragraph form.
Looks like you have to login and your private medical data is stored "in the cloud." I have no idea why anyone would think this would be a good idea. Storing it locally would be the only remotely sane solution.
I mean, I don't mind telling someone I have an anxiety disorder (and I do have one). But the content of some of those intrusive thoughts is something I don't want anyone to know. Especially not some startup who may sell their company to, say, Facebook one day. Some of my intrusive thoughts are things that I did wrong (10 years ago...). So logging them would mean a third party would have an entire database of almost every mistake I made in my life, out of context. The potential for that to go wrong is... extreme. I'd rather have nudes be leaked.
And the stupid embedded video in a jQuery modal. Stop it, you're making your videos unusable. Let me pause. Oh wait, I can't. I need to pause the video because it runs at lighting speed, so fast it is impossible to gain any information at all from it unless you pause it.
Perhaps "teaching them Excel" will lead to a deep understanding. Perhaps "teaching them Excel" will just be like how I "learned" Excel back in high school- a teacher standings in front of the class just saying "press this button, now press this button."
Excel abuse was cited as a part of the reason JPMorgan lost 6 billion dollars.
I don't know...
You wouldn't believe the kind of behemoth Excel monstrosities there are out there. Because when your only tool is a hammer, everything looks like a nail...
The point is this service is being marketed for those who don't wish to be in a relationship for whatever reason but want to give the appearance of being in one to others. Perhaps they are semi closeted or asexual or don't have the time to devote to a significant other or simply just don't want to give up their autonomy yet (or ever).
If someone starts a relationship for the wrong reason - because they only want to be in a relationship, not because they are in love with the other person - it is not fair. The other person doesn't matter, anyone will do, feelings won't there. That isn't very nice to the other party and just leads to hurt.
This happens all the time. All the time. Especially with marriages.
Not everyone wants to be in a relationship (for whatever reason) and that is fine. That also isn't a very socially acceptable choice. This service is marketing to that segment.
It has nothing to do with laziness.
Hrm, well, yes, to an extent. However, People do do research on the psychology of human happiness and a bunch of other human charistics and we can answer some questions on what will be "best" in the longrun with quite a bit of certainty.
We also know that oftentimes people are just downright wrong about what will make them happy.
Example- we know spending your money on experiences rather than objects will make you happier in the long run.
If you want to read more about the topic I recommend the book "Stumbling on Happiness."
Sometimes we DO know that your choice is wrong for your goals.
Thats just in general, not particularly about this service.
(The background is she just found out she was actually born 3 months after her parents told her she was born - they lied to get her to start school a year earlier.)
Does your boss decide what your health insurance will be?
Are health insurance companies in Australia publicly traded for profit corporations?
There's other questions I have but I wont ask because I feel that people may take them as attacks. (I don't mean to attack)
>it was driven from the needs of the government not the needs of the health care industry.
The white paper that became thd affordable care act was written by Liz Fowler who was a VP at one of the largest health insurance companies. After the ADA was passed she became a lobbyist for a major pharmaceutical company.
I never said anything about serotonin syndrome...?? ...
Furthermore, I wasn't even the original GP, so how am I "exhausting?" The only thing I said was supplements are basically unregulated (theres a good chance your bottle of St Johns Wort is actually rice powder * ) and talk to your doctor before taking supplement and before stopping supplements abruptly. Trust me, antidepressant discontinuation syndrome is complete HELL.
* http://mobile.nytimes.com/2013/11/05/science/herbal-suppleme...