380 karma · joined October 29, 2011
From what I see Bufferbox right now only has a few locations, for Packstation its over 2500 locations and a wide userbase, as with software: the wider the user-base the bigger the profit for bad guys.
The good news is that germany started issuing ID-cards with RFID, that can be loaded with a certificate, that will enable you to digitally sign contracts and identify yourself, so the trip to the post-office will no longer be necessary.
On your Project: With upcoming SEPA payments it will not matter anymore where your bank is registered, since transaction times and fees will be the same for all transactions within europe. So just register yourself as/partner with a bank in a european country that offers the most favorable banking-laws/ banking infrastructure/ whatever. In regard of germans, they really want to know that their money is "safe". Especially now in the euro-crisis, so make sure that the depot insurance of the country of your choice is of a comparable quality to the german system. (And maybe dont settle for a PIIGS state, as germans have a strong distrust in banks and politicians in those countries)
- Opening a bank account isn't pain and its free. If you do it locally at your bank, you can start using you account right away, you may have to wait a week or so for you credit/debit card and your online-banking pin, since they are send via mail. If you open an account with an online bank. You fill out the form, print it out, sign it, go to the post office with your ID, the post-person will check if your ID matches the form and send it to the bank. Few days later you will get your cards and passwords and are ready to go.
- Yes there are delays between banks. But there are some EU directives on the way, which seek to minimize the delay between banks in all of europe.
- I have no idea what your app is supposed to do. Is it some kind of fancy online-banking interface? With integrated accounting? For multiple accounts? The main-site (holvi.com) doesn't really help me with that.
I personally use a cheap ( 50€ ) used bike as a daily driver, in combination with a 30€ lock, there will mostly be an easier/better target for the thief and if it ever gets stolen, its just 50 (80) bucks and not 1000€.
In Germany for example there are insurances, that will cover your costs of lawsuits etc. when you accidentally infringe IP / patents. They will also cover if a client sues you for lost business because your product somehow failed in a bad way. Some of them will offer worldwide coverage, but every policy will exclude US lawsuits.
In germany (I dont know about the rest of Europe, but I guess the situation is similar), cheques are virtually non existent. You can still get and cash them, but you will get weird looks from the person behind the bank counter, most of the time there will be a hefty fee associated with it(I once cashed a cheque from an US-bases affiliate program and my bank charged me a ridiculous amount for the process).
From someone who worked for a large automotive supplier, which does a lot of manufacturing here in germany, that wanted to release a consumer device I heard that you can get the whole product finished in china for the price of sourcing the components in europe.
1. Some Accounts got compromised (phishing, trojan, whatever). In those account a list of all referral email-addresses can be seen. Those addresses have been targeted.
2. The Dropbox Application stores information about the email-addresses of people you have a shared folder with somewhere on your machine. This data got accessed by some kind of malware. Maybe this information could also be accessed trough the webinterface of compromised accounts (I am not sure about that).
Even a small-ish number of compromised accounts could lead to many addresses being leaked. I for example have about 15 referals and share folders with about 50 people.
Nice experiment but solar powered boats are absolutely useless on high seas and better, cheaper and a lot more ecological (a lot of energy goes in the production of solar panels and batteries) alternatives (sailboats) have been around for ages.
http://en.wikipedia.org/wiki/Data_Retention_Directive
Also check the german wikipedia article, for more references.
Its awful that an institution of questionable democratic legitimation (EU commission) is forcing a democratic government to implement laws, that are against their constitution. The worst thing is, that the big political parties dont see anything wrong in this.
You can get around those regulations if your product is for use by professionals and/or for development purposes, that means there is some professional knowledge needed to make the product work (soldering, programming,...). For the rPI you only need a power adapter and a downloadable image on a SD card, thats not really professional knowledge.
For CE certification, you can however put a CE badge on anything you want, and refer to some regulation (I don't have the paragraph at hand atm). This basically means "We think it will be alright". A frightening number of Chinese imports do this. This is absolutely legal, the problem comes when something bad happens, e.g. your product causes a pacemaker to fail, then you have to prove that you took all necessary precautions to prevent this, which is basically impossible if you haven't done proper EMC testing and such.
Designing complex circuits (like the rPI) that do not make any EMC problems is extremely hard. I don't think most computer hardware would go through testing/certification without problems, thats why your mainboard sits in a metal case. My worst case guess is that they have to ship the boards in cases or with some shields.
Disclaimer: I am a ECE student. My father is a consultant in the CE/WEEE field. Statements above are based on memorys of conversations with him, when I told him I had an idea for some hardware product (and he told me to forget it unless I want to spent a lot of money on regulatory stuff)
- He invented the first turing complete computer the Z3 which was finished in 1941, the Z4 (which was based on the Z3 was the first commercial computer)
- He is also responsible for the first high level computing language - Planalkül
The wikipedia article on him has some better information: http://en.wikipedia.org/wiki/Konrad_Zuse