477 karma · joined September 26, 2012
In the grand scheme of things, I'm tempted to say: if that's the price to pay to expand beyond it, then so what? It's not like it's the only planet in the Universe.
> 1. [...] You want to postpone a task? Please enter the exact date to postpone this to. Which project to add this to? Tags? Subtasks? The amount of things one can customize is really large, but making all this decisions has a cost
and also
> 5. Tasks are not the same. Get milk, write an essay, plan a vacation, reconnect with a friend. These are things of different magnitude, different emotional connection, different context and time commitment. Some tasks aren’t even tasks, e.g. simply items to keep track of or be reminded of. But TODO apps treat them the same. They get the similar looking rows neatly organized in a unified interface.
Obviously, combining 1 and 5 you have all the more issues relating to the need to make decisions between your different task categories, should you choose to manage that aspect too...
In all, the pain with TOOD apps/lists (for me) is not "getting the list done". It's actually "making and maintaining the list". What to put in the list? What not to put? When to update? What kind of details? What sources - Slack, emails, discussions, meetings, ideas? The overhead of just making/maintaining the list is what kills it.
If you already can avoid the trouble for 50% (?) of the people who are in the standard case, it's already a massive win.
- salaried income is automatically submitted to tax authorities
- capital income going through financial institutions is automatically submitted to tax authorities
- the deductions that concern most taxpayers are managed automatically
And so it for 80% of taxpayers, tax prep is exactly 5 minutes, and for the next 10% it is 2 hours.
And then, Americans explain that bureaucracy is quite worse elsewhere.
In Europe, laws basically mandate that what you as a customer see on a price tag or price list, is what you ultimately pay.
You don't have to do any guesswork, looking at the fine print, compute anything in your head. You pay the price that is displayed, and there should be no expectation from any one that you pay anything above that.
When I go to a restaurant, I'm not like buying the food on the one hand, and the service on the other hand, and everything that the taxes cover above all that. I'm paying the restaurant for dining, which includes the food, the service, and whatever taxes the restaurant has to pay.
The details are none of my business... and I shouldn't have to do any contorsions to compare prices between restaurants!
It's really mostly the case in North America. In most of Europe, tipping is more an exception than a rule. "Normal" service (i.e. being nice to clients and appropriately responding to requests given the standing of the place) is expected to be included in the price. I tip only when I got really outstanding service, and even then, mostly as a symbolic gesture of appreciation (2-5% ballpark figure).
You chose to require an SMS OTP for your customers. It is not straightforward at all that the burden of filtering your customers would fall on your provider and not on you -- actually, if the provider you chose does explicitly not provide that filtering, it's effectively on you.
(I have to say that if I were Twilio, I would not have added the "fraud prevention" toggle, because now they can be deemed to be providing that service.)
Can the user use the thing mostly without the provider? Yes = purchase, no = rental.
If all of sudden it's all "rentals" everywhere, what does it change -- apart from opening up an avenue for the people willing to actually sell the things they would otherwise lease, because consumers will prefer it that way?
This is because until recently (by the timescale of "buying things") there were no intangibles to be bought or sold. An intangible is mostly a right to something - in other words, it's paperwork.
But some things are both tangible and intangible, i.e. that copy of the movie you have on your computer.
That's when the regulator should have stepped in to make precise use of words: you are decidedly not "buying" or "purchasing" a movie from Google Movies. You can only be "renting" it, on Google's terms, albeit long term.
Regulators should mandate the use of the word renting as soon as there is no tangible copy that you can use independently of the company that "sold" -- actually, "leased" -- whatever you "bought" from them.
Your business place, assuming a public business, is indeed that: a place open to the public by default.
In France (and, as far as I'm aware, most European countries), there is a very clear line: either your business place welcomes the general public, or it does not.
Once you fall in the first category - and, as soon as you're selling something in that business place, you are in that category - then you must have very strong arguments if you refuse to let a prospective customer in or even if you refuse to sell to a particular person the products or services that it is the purpose of your business to sell.
Those arguments usually boil down to either (i) some law preventing you to sell something to that prospective customer or (ii) that prospective customer actively disturbing the public order or presenting a high risk thereof (eg: they're a thief, they're drunk, they can't prove that they will be able to pay, ...). Of course there are provisions for specific settings, but which merely soften the (ii) to allow filtering on public safety grounds for places welcoming more than X simultaneous guests - including eg nightclubs and such.
Anything not in falling into these exceptions is just what it is: discrimination. And actually, this seems very sound to me. The fact you own a business puts you in the public world: you may not refuse to serve someone because you don't like them.
Actually, they may yet receive a hefty fine. The court ruled on the principle: now, each lower jurisdictions may take action based on that principle.
To do that, we needed to set up a new holding company which would own the target group's shares.
Without exception, ALL our advisors/lawyers (both in Germany and out) recommended that we just pay the services of an "offshore provider" to buy an existing shell company with an already established and registered proxy director, instead of going through the creation process of a GmbH. "It's the most complicated process in the EU, and a PITA for all individuals involved.", they said.
We followed their advice.
In traditional finance, the "exchange", as in "the New York Stock Exchange", only facilitates the calculation of market prices for a range of assets and the matching between sellers and buyers. Exchanges don't even manipulate money - that's left to other, highly regulated, professions, such as brokers.
Brokers hold your assets and sometimes lend you money, but are very restricted with what they can do with it unless they qualify as banks, which requires complying with an array of complex capital requirements.
So really, I don't understand: how are those entities not offering "investment services" and so not under SEC supervision?
What I think is different is that it's not so much deep, like programming can be, as wide -- meaning a skilled interviewer can correlate experience and technicity in a way that gives reasonable assurance.
This is not the case with more junior positions where you need to make sure technicity has actually been acquired by the candidate, lest it be just as you say a "net negative" for the team: for finance positions with less than 10 years of experience, we have a case interview. That case interview is not meant to be selective but just a check of capability. Only candidates that have passed phone screening and hiring manager interview get the case interview, which is also delivered by the hiring manager so gives a chance to see the candidate in another kind of situation.
- once you state clearly what your max is, why would your preferred candidate settle for anything less?
- why would you want to exclude good candidates willing to accept lower comp than what you thought your min was?
So then some places are a candidate's market... well maybe employers have to adapt, but I can see why they would not want to.