Venmo social feed is dumb
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@steve_the_cynic We live in a country with a gargantuan number of banks. I'm slightly proud of that.
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@pie_flavor said in Venmo social feed is dumb:
@steve_the_cynic We live in a country with a gargantuan number of banks. I'm slightly proud of that.
- Your idea of a bathroom is a hole in the ground and a bucket.
- But we have lots of them!
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@steve_the_cynic said in Venmo social feed is dumb:
(2) Arguably one per island.
If you're going to do that, then America has like 10,000 coasts. There's a couple hundred in the Puget Sound alone.
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@pie_flavor said in Venmo social feed is dumb:
@mrl Doesn't work so well in .
I don't think it's that it doesn't work so well, it's just not as convenient. I transfer money to my family members and such through my bank all the time-- would like to not deal with PayPal. But for most people:
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Dealing with account/routing number is not as convenient as e-mail -- Some banks, e.g. Bank of America and Chase have instituted systems to pay by e-mail address, but not all of them.
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When dealing with account/routing number, you have the (unwanted) symmetry of being able to withdraw as well as deposit -- Most consumers' banks won't let them do that but that doesn't prevent anyone else from doing it, so that information is considered sensitive.
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When dealing with account/routing number, setup takes up to two days at some banks -- That quite simply needs to be fixed. There's no excuse for that. And paying by e-mail address shouldn't require the recipient to register either, but frequently does.
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@heterodox said in Venmo social feed is dumb:
@pie_flavor said in Venmo social feed is dumb:
@mrl Doesn't work so well in .
I don't think it's that it doesn't work so well, it's just not as convenient. I transfer money to my family members and such through my bank all the time-- would like to not deal with PayPal. But for most people:
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Dealing with account/routing number is not as convenient as e-mail -- Some banks, e.g. Bank of America and Chase have instituted systems to pay by e-mail address, but not all of them.
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When dealing with account/routing number, you have the (unwanted) symmetry of being able to withdraw as well as deposit -- Most consumers' banks won't let them do that but that doesn't prevent anyone else from doing it, so that information is considered sensitive.
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When dealing with account/routing number, setup takes up to two days at some banks -- That quite simply needs to be fixed. There's no excuse for that. And paying by e-mail address shouldn't require the recipient to register either, but frequently does.
Hmm, that does sound inconvenient.
Transfers I'm talking about are made with phone app with recipient chosen from phone contacts.
- open app
- choose contact and amount
- input pin
Done. If recipient has phone number associated with a bank, he doesn't have to do anything. If he hasn't, he gets info on his phone and can choose transfer method. Transfers within the same bank are instantaneous, between banks take 6 hours max IIRC.
Oh, associating phone number with bank account takes 5 minutes.
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@mrl And thus, we get Venmo to replicate that functionality.
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@pie_flavor said in Venmo social feed is dumb:
@mrl And thus, we get Venmo to replicate that functionality.
It works great, I heard.
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@steve_the_cynic said in Venmo social feed is dumb:
@pie_flavor said in Venmo social feed is dumb:
@mrl Doesn't work so well in .
So you live in a country with a barbarian banking system. Are you proud of that?
It's a good trade off.
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@blakeyrat said in Venmo social feed is dumb:
@steve_the_cynic said in Venmo social feed is dumb:
(2) Arguably one per island.
If you're going to do that, then America has like 10,000 coasts. There's a couple hundred in the Puget Sound alone.
Fair point, although 10,000 does match "at least four". Either way, we don't know which one was meant.
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@steve_the_cynic said in Venmo social feed is dumb:
@blakeyrat said in Venmo social feed is dumb:
@steve_the_cynic said in Venmo social feed is dumb:
(2) Arguably one per island.
If you're going to do that, then America has like 10,000 coasts. There's a couple hundred in the Puget Sound alone.
Fair point, although 10,000 does match "at least four". Either way, we don't know which one was meant.
The "avocado skins" thing kind of narrowed it down for me, actually.
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@heterodox said in Venmo social feed is dumb:
When dealing with account/routing number, you have the (unwanted) symmetry of being able to withdraw as well as deposit
Wait, what? If I know your bank account number, I can withdraw money from it without your permission?
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@gurth said in Venmo social feed is dumb:
Wait, what? If I know your bank account number, I can withdraw money from it without your permission?
Account and routing number, yes. Now, your bank may not let you do that through their interfaces (they usually do not). But there's nothing preventing them or another bank (or most companies) from doing it. It's the same necessary and sufficient information for withdrawal that's printed on your checks.
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@twelvebaud said in Venmo social feed is dumb:
@onyx Venmo-the-service, so you can split the charge for pizza among several friends without having to deal with grubby paper money, more conveniently than setting up several PayPal request-funds transactions.
Venmo-the-social? I have no fucking clue.
Time to use Venmo-the-flamethrower.
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@heterodox said in Venmo social feed is dumb:
Account and routing number, yes.
I’ve never heard of a routing number, so please hang on while I read up on what that is.
OK, so it’s a number to identify the bank.
Now, your bank may not let you do that through their interfaces (they usually do not). But there's nothing preventing them or another bank (or most companies) from doing it.
I still think it’s dumb: all I’d really need to know to withdraw money from your account without your permission, is to know your account number and which bank you’re with?
It's the same necessary and sufficient information for withdrawal that's printed on your checks.
The only checks I’ve had in my life have been medical ones, never any related to financial institutions. Wait, that’s not entirely true: I’ve been paid with American checks a few times, and they were a right hassle to get deposited into my bank account.
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@boomzilla said in Venmo social feed is dumb:
@steve_the_cynic said in Venmo social feed is dumb:
@blakeyrat said in Venmo social feed is dumb:
@steve_the_cynic said in Venmo social feed is dumb:
(2) Arguably one per island.
If you're going to do that, then America has like 10,000 coasts. There's a couple hundred in the Puget Sound alone.
Fair point, although 10,000 does match "at least four". Either way, we don't know which one was meant.
The "avocado skins" thing kind of narrowed it down for me, actually.
True. Unlikely to be Alaska. I wouldn't want to speculate about east or west coast, though. (That said, I remember what the late Mrs Cynic used to say about Tex-Mex / California-Mex and New Mexico-Mex done by people outside those areas, especially around Boston, MA. Let's just say that none of what she said would count as compliments. Note: she was born in El Paso, TX.)
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@gurth said in Venmo social feed is dumb:
I still think it’s dumb: all I’d really need to know to withdraw money from your account without your permission, is to know your account number and which bank you’re with?
It is dumb, yes. You need that and the wherewithall to print a check or socially engineer a bank employee.
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@heterodox said in Venmo social feed is dumb:
It is dumb, yes. You need that and the wherewithall to print a check or socially engineer a bank employee.
And you'd also need to get the money out of the banking system after that; it's not actually yours until they can't reverse the transaction. (That's where the real core of bank security really exists.)
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@lolwhat said in Venmo social feed is dumb:
@mrl said in Venmo social feed is dumb:
Indian scalps then?
Dude, Indian is not the preferred nomenclature. Native American, if you please.
I think the "proper" term is American Indian.
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@hardwaregeek said in Venmo social feed is dumb:
@pie_flavor said in Venmo social feed is dumb:
Keeps you from pissing off the waiters if you want to split the bill too.
Perhaps I only eat at insufficiently snooty restaurants, but in my recent experience, one simply tells the server, we want N checks, with person 1 on one check, people 2 and 3 on another, ... and people M-1 and M on check N, and he/she puts that into the POS terminal, and it spits out N checks with the correct amounts on each one with very little effort by the server, and each person/couple/whatever pays their own check with their preferred payment method.
Yeah, I've never been to a restaurant in that has trouble with splitting bills. It's the default in most places in my city.
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@mott555 Probably because American servers work for tips so they're less likely to feel put out by customer requests like that.
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@steve_the_cynic said in Venmo social feed is dumb:
@pie_flavor said in Venmo social feed is dumb:
@mrl That's more of a Midwest thing. Over here on the coast we deal in avocado skins. Same concept.
Last time I looked, the US has at least four(1) coasts. Which one?
(1) Contiguous east, Contiguous west, Alaska, Hawaii(2). "Contiguous east" includes the Gulf coast of Florida, Louisiana, Alabama, and Texas.
(2) Arguably one per island.
In his case, west.
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@mott555 said in Venmo social feed is dumb:
I think the "proper" term is American Indian.
Like this one?
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@mott555 said in Venmo social feed is dumb:
I think the "proper" term is American Indian.
Is that what you call someone who's moved from Bangalore to San Jose on an H1B?
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@steve_the_cynic said in Venmo social feed is dumb:
True. Unlikely to be Alaska. I wouldn't want to speculate about east or west coast, though. (That said, I remember what the late Mrs Cynic used to say about Tex-Mex / California-Mex and New Mexico-Mex done by people outside those areas, especially around Boston, MA. Let's just say that none of what she said would count as compliments. Note: she was born in El Paso, TX.)
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@gurth said in Venmo social feed is dumb:
Unlike American money, Monopoly money at least comes in different colours so you can tell at a glance which is which.
Yes, because it's so hard to see CLEAR NUMBERS PRINTED NICE AND BIG AND BOLD RIGHT IN THE CORNER at a glance...
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@mott555 said in Venmo social feed is dumb:
@lolwhat said in Venmo social feed is dumb:
@mrl said in Venmo social feed is dumb:
Indian scalps then?
Dude, Indian is not the preferred nomenclature. Native American, if you please.
I think the "proper" term is American Indian.
I've spoken to plenty, and they all prefer 'Indian'.
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@masonwheeler said in Venmo social feed is dumb:
@gurth said in Venmo social feed is dumb:
Unlike American money, Monopoly money at least comes in different colours so you can tell at a glance which is which.
Yes, because it's so hard to see CLEAR NUMBERS PRINTED NICE AND BIG AND BOLD RIGHT IN THE CORNER at a glance...
Well, it is, if you're just looking in your wallet and the bills are more or less edge-on. The colours are much easier to distinguish in that rather common situation.
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@scarlet_manuka said in Venmo social feed is dumb:
@masonwheeler said in Venmo social feed is dumb:
@gurth said in Venmo social feed is dumb:
Unlike American money, Monopoly money at least comes in different colours so you can tell at a glance which is which.
Yes, because it's so hard to see CLEAR NUMBERS PRINTED NICE AND BIG AND BOLD RIGHT IN THE CORNER at a glance...
Well, it is, if you're just looking in your wallet and the bills are more or less edge-on. The colours are much easier to distinguish in that rather common situation.
Meh. I don't carry cash that much anymore but when I did carry significant amounts of cash I always kept it ordered largest to smallest and with a bit of math knowledge it is still pretty easy to pick out the appropriate bills with a tiny amount of organization.
Printing bills in different colors always seemed like unnecessary cruft.
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@polygeekery said in Venmo social feed is dumb:
Printing bills in different colors always seemed like unnecessary cruft.
If you're printing your own counterfeit money, I agree
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@masonwheeler said in Venmo social feed is dumb:
Yes, because it's so hard to see CLEAR NUMBERS PRINTED NICE AND BIG AND BOLD RIGHT IN THE CORNER at a glance...
There’s a reason many currencies use different colours and different sizes for different denominations. I can glance into my wallet and take out the notes I want without having to read the numbers. Can you do that in the USA?
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@gurth Yes, I can reach into your wallet and pull out the notes without having to read the numbers just fine no matter where we are. Only if they stay your home country's currency though.
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@boomzilla said in Venmo social feed is dumb:
@mott555 Probably because American servers work for tips so they're less likely to feel put out by customer requests like that.
Here they work for a living wage, so they don't feel put out by doing a normal part of their job.
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@gurth said in Venmo social feed is dumb:
@masonwheeler said in Venmo social feed is dumb:
Yes, because it's so hard to see CLEAR NUMBERS PRINTED NICE AND BIG AND BOLD RIGHT IN THE CORNER at a glance...
There’s a reason many currencies use different colours and different sizes for different denominations. I can glance into my wallet and take out the notes I want without having to read the numbers. Can you do that in the USA?
Back in the day, when I was in high school (yes, despite my Englishness, an actual American high school), the school newspaper printed an article by one of the students, about a period of a few days when she had had to wear bandages over her eyes. The difficulty of telling the different denominations of bills apart by touch was one of the things she mentioned.
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@steve_the_cynic so the federal reserve could be sued under the ADA for not supporting blind money users?
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@topspin said in Venmo social feed is dumb:
@boomzilla said in Venmo social feed is dumb:
@mott555 Probably because American servers work for tips so they're less likely to feel put out by customer requests like that.
Here they work for a living wage, so they don't feel put out by doing a normal part of their job.
That's funny.
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@jaloopa said in Venmo social feed is dumb:
@steve_the_cynic so the federal reserve could be sued under the ADA for not supporting blind money users?
I'll admit to not having thought of it that way. Noteworthy in this: the article in question was published in 1983 or so.
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@steve_the_cynic said in Venmo social feed is dumb:
@gurth said in Venmo social feed is dumb:
@masonwheeler said in Venmo social feed is dumb:
Yes, because it's so hard to see CLEAR NUMBERS PRINTED NICE AND BIG AND BOLD RIGHT IN THE CORNER at a glance...
There’s a reason many currencies use different colours and different sizes for different denominations. I can glance into my wallet and take out the notes I want without having to read the numbers. Can you do that in the USA?
Back in the day, when I was in high school (yes, despite my Englishness, an actual American high school), the school newspaper printed an article by one of the students, about a period of a few days when she had had to wear bandages over her eyes. The difficulty of telling the different denominations of bills apart by touch was one of the things she mentioned.
A common solution I've heard is folding the bills (different denominations get folded in different places). It still requires knowing what they are initially, but there are apps/devices that can tell.
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@anotherusername said in Venmo social feed is dumb:
A common solution I've heard is folding the bills (different denominations get folded in different places). It still requires knowing what they are initially, but there are apps/devices that can tell.
Still a workaround for money whose designers didn’t consider UI/UX important.
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@anotherusername said in Venmo social feed is dumb:
@steve_the_cynic said in Venmo social feed is dumb:
@gurth said in Venmo social feed is dumb:
@masonwheeler said in Venmo social feed is dumb:
Yes, because it's so hard to see CLEAR NUMBERS PRINTED NICE AND BIG AND BOLD RIGHT IN THE CORNER at a glance...
There’s a reason many currencies use different colours and different sizes for different denominations. I can glance into my wallet and take out the notes I want without having to read the numbers. Can you do that in the USA?
Back in the day, when I was in high school (yes, despite my Englishness, an actual American high school), the school newspaper printed an article by one of the students, about a period of a few days when she had had to wear bandages over her eyes. The difficulty of telling the different denominations of bills apart by touch was one of the things she mentioned.
A common solution I've heard is folding the bills (different denominations get folded in different places). It still requires knowing what they are initially, but there are apps/devices that can tell.
There weren't "apps" in 1983. By today's standards there were barely computers.
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@steve_the_cynic There were, however, pocket-sized devices that could easily identify bills. I remember one, from a TV show about blind people or clever gadgets or something, that basically was a light sensor and a buzzer whose pitch and/or intensity varied with the light. Slide a bill through the device. The front side of all denominations is pretty similar, with the big, mostly dark portrait in the middle and mostly light around it, so if you heard that sound pattern, flip the bill over and run it through the other way. The back sides have varying designs which produce distinctive sound patterns. For example, the $5 bill has a rapid alternation of light and dark from the columns of the Lincoln Memorial.
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@hardwaregeek This at a time when Dutch guilder bills all had large dots printed in relief in the lower left corner, for the express purpose that blind people could determine the denomination by feel.
Though I admit that they might have done better by making the dot sequence more logical than what’s apparent from the samples above.
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We have banknotes that are different in color and size, plus they have
convexembossed shapes in bottom left corner for blind people.
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@mrl said in Venmo social feed is dumb:
plus they have convex shapes in bottom left corner for blind people.
I assume those are embossed? Otherwise a shape isn't going to help blind people very much...
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@mrl said in Venmo social feed is dumb:
plus they have convex shapes in bottom left corner for blind people
TIL that
+
is a convex shape.
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Hah, got fucked by a dictionary. Yes, I meant embossed.
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@mrl said in Venmo social feed is dumb:
got fucked by a dictionary
I'll not judge you for that admission…
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@dkf said in Venmo social feed is dumb:
@mrl said in Venmo social feed is dumb:
got fucked by a dictionary
I'll not judge you for that admission…
It was a pocket dictionary. Good thing I didn't have to look anything up in an encyclopedia.
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@dcon said in Venmo social feed is dumb:
I assume those are embossed? Otherwise a shape isn't going to help blind people very much...
Very thick ink works too — like I said the Dutch guilder notes used that, as I recall. I unfortunately don’t have any to check, only a 10 and a 25 guilder note of the next series that didn’t have those dots anymore:
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@gurth You kept over €500 in guilder bills?