|
shirts and skins posted:A German friend of mine tells me this is leftover cultural damage from '20s hyperinflation. He called it being a "debt sinner". Germans in general hate being in debt I guess and will go to great lengths to avoid it. Nah, German household debt is pretty average in Europe and roughly on par with the US. People and shops just don't use credit cards because they are lovely and expensive (especially for shops) and we have had a much better system for decades already. If visa or mastercard card start to gain market share it's a lose-lose situation for both consumers and shops, so nobody outside of tourist areas wants to poke that bear too much. Dravs posted:https://www.independent.co.uk/news/...From%20%251%24s Lol, we have millions of doses of the good RNA stuff lying around unused too. I mean, there is definitely scepticism and some people are willing to wait a couple months for the better RNA stuff to become available instead, but blaming it on ~anti-british sentiment~ is some next level galaxy brain stuff. Nobody gives a poo poo about this being made by Britains
|
#
?
Feb 27, 2021 13:30
|
|
|
|
| # ? Apr 25, 2024 22:56 |
|
|
Third World Reagan posted:Germans hating credit cards is a good thing. Though on the other hand the Bundesbank is the leading defender of the one and two cent coins. GABA ghoul posted:
It's also not entirely clear to me that we would gain a lot by doing just in time logistics for vaccines. genericnick has issued a correction as of 13:36 on Feb 27, 2021 |
|
#
?
Feb 27, 2021 13:30
|
|
|
Jel Shaker posted:funny how the public just don’t trust anything anymore *principal skinner voice* i wonder if a half century of hyper individualistic 'gently caress you got mine' capitalism is to blame for nobody being able to trust anything but themselves no, it's the public who are wrong
|
|
#
?
Feb 27, 2021 13:32
|
|
|
Literally everything about consumer banking in Germany sucks and is laughably outdated. It's honestly baffling, and you can't really experience how bad it is unless you've previously lived somewhere else and then move here, like I did. Like, mobile banking apps are JUST NOW getting decent. People still use those paper slips to make transfers. You have to PRINT OUT your account history because it only goes back digitally about 6 months. There are still account plans that make you pay for every transfer. There are now "free" accounts which CHARGE YOU TO TAKE OUT MONEY after like the 3rd time a month. In fact, YOU PAY 5 EUROS EVERY TIME YOU WANT TO TAKE OUT CASH FROM AN ATM THAT DOESN'T BELONG TO YOUR BANK. I could go on. It's bad.
|
|
#
?
Feb 27, 2021 13:46
|
|
|
vaguely posted:no, it's the public who are wrong
|
|
#
?
Feb 27, 2021 13:47
|
|
|
Oh I forgot to mention my favourite thing: when the bank sends you a letter (on paper, through the post) about some failed transaction on your account they charge you loving 90c postage on the account. I've asked them to stop sending me these paper things through the post, because I can see it online. This is not possible. I've told them that it's insane that they do this and that they charge me the postage, to which they replied that this doesn't happen if I make sure that there's enough money in the account. Germans think this is totally normal.
|
|
#
?
Feb 27, 2021 13:52
|
|
|
i mean. yeah. the public is pretty poo poo. but the absolute state of society can't be divorced from the deliberate engineering of an environment where any trust or reliance in an institution or other people for anything can and will eventually end with you getting hosed over with no recourse. the ruling classes have built a country where the average person learns they can't trust anyone, and then wonders why nobody trusts anything any more because they're too loving stupid and lazy to realise what they've done in conclusion, only trust your fists
|
|
#
?
Feb 27, 2021 14:02
|
|
|
oliwan posted:Oh I forgot to mention my favourite thing: when the bank sends you a letter (on paper, through the post) about some failed transaction on your account they charge you loving 90c postage on the account. I've asked them to stop sending me these paper things through the post, because I can see it online. This is not possible. I've told them that it's insane that they do this and that they charge me the postage, to which they replied that this doesn't happen if I make sure that there's enough money in the account. Germans think this is totally normal. Lol
|
|
#
?
Feb 27, 2021 14:05
|
|
|
lmao about op hooking up with some old people bank and using their old people accounts types and then complaining that it's designed for old people. First of all, get a dispo. Why would you voluntarily pay overdraft charges in 2021? Second, switch to a Direktbank. I couldn't print bank statements, even if I wanted to. All transfers are free. Most Direktbanken have no out-of-network atm charges because they don't even have atm networks. Just use whatever, for free. Third, I've been using banking through apps for many many years now and the apps are pretty good and I've never had problems with them. Wtf? A lot of banks started charging fees for accounts if you are below a certain income, but that's due to low interest rates and not something specific to Germany. It's probably happening in Dutchland too
|
|
#
?
Feb 27, 2021 14:05
|
|
|
The vaccine thing has actually improved considerably in the last two weeks, with around half the people now wanting a vaccine and growing. It's still poo poo communication by the EU and the member states but whatever.
|
|
#
?
Feb 27, 2021 14:13
|
|
|
oliwan posted:Literally everything about consumer banking in Germany sucks and is laughably outdated. It's honestly baffling, and you can't really experience how bad it is unless you've previously lived somewhere else and then move here, like I did. Sounds like you made an extremely bad choice when picking your original bank, because Germany is littered with ATMs of Genossenschaftsbanken and Sparkassen respectively, so you should never be in a position where you actually have to take money from a out-of-network ATM. And that is before other fee-free ATMs or stuff like getting your money at the supermarket.
|
|
#
?
Feb 27, 2021 14:36
|
|
|
bring back barter-only economy imo
|
|
#
?
Feb 27, 2021 14:50
|
|
|
Third World Reagan posted:Germans hating credit cards is a good thing. Hating consumer debt is a good thing, hating credit cards is just weird. They are better than debit cards in every possible way, unless you are trying to get cash out of an ATM.
|
|
#
?
Feb 27, 2021 15:04
|
|
|
AreWeDrunkYet posted:Hating consumer debt is a good thing, hating credit cards is just weird. but credit is consumer debt
|
|
#
?
Feb 27, 2021 15:38
|
|
|
Spangly A posted:but credit is consumer debt A universal electronic payment card is a useful thing, especially if it's isolated from your normal bank accounts for fraud and error, which is the main advantage of credit cards. You can argue about interest and shop fees and a hundred other implementation details for profit extraction if you want, but the weird GERMANS ONLY system they have is not universal.
|
|
#
?
Feb 27, 2021 16:50
|
|
|
crispix posted:bring back barter-only economy imo Give it time.
|
|
#
?
Feb 28, 2021 00:01
|
|
|
Germany in the UK thread! House of Hanover ITT
|
|
#
?
Feb 28, 2021 00:19
|
|
|
shirts and skins posted:Germany in the UK thread! House of Hanover ITT we're currently ruled by the Saxe-Coburg and Gotha dynasty, no need to go back to the 1700s
|
|
#
?
Feb 28, 2021 00:31
|
|
|
https://twitter.com/LabourAreToast/status/1365637371908218885?s=20
|
|
#
?
Feb 28, 2021 14:57
|
|
|
lol, unsurprisingly the memorial that was removed was an unofficial one with some flowers and England flags which definitely weren't left by racists and definitely didn't look like poo poo after several months outside in cold wet windy Britain, and it was replaced with an actual plaque this person twenty years ago: can't believe those woke council warriors removed the rotting piles of teddy bears and flowers outside that were the only fitting tribute to the people's princess and then opened up some massive fountain as a permanent memorial
|
|
#
?
Feb 28, 2021 15:40
|
|
|
https://twitter.com/rob_blade/status/1365650250355138563?s=20
|
|
#
?
Feb 28, 2021 16:26
|
|
|
Is the German relationship with credit cards related to the relative weakness of the financial compared to like the UK, where the financial sector basically dominates society? Not that West Germany and then post 90s Germany are socialist, just that other sectors of capital, like small business, can just say "gently caress off" to finance capital when they want to
|
|
#
?
Feb 28, 2021 16:36
|
|
|
https://twitter.com/TheStuffOfMemes/status/1366033113583931396?s=19
|
|
#
?
Feb 28, 2021 16:44
|
|
|
Atrocious Joe posted:Is the German relationship with credit cards related to the relative weakness of the financial compared to like the UK, where the financial sector basically dominates society? I always thought the Dutch did it as an economic manifestation of Calvinism but I guess that doesn't apply to Germany so I'm stumped
|
|
#
?
Feb 28, 2021 18:05
|
|
|
Atrocious Joe posted:Is the German relationship with credit cards related to the relative weakness of the financial compared to like the UK, where the financial sector basically dominates society? It's related to being an inferior product in a much more competitive market. The consumer credit function of credit cards is mostly handled by overdraft loans, i.e. once you spend more money than you have in your account the difference is automatically turned into a loan that you can pay back at any time. Shop and online payment is handled by the EC/Maestro system which is a EU wide payment system that is much safer and cheaper than mastercard or visa. I hate using visa/mastercard for anything online because it's so unsafe. Credit card fraud isn't really a think in europe the way it is in the US. We have banking fraud here too, but it mostly revolves around trying to hijack computers and phones to get around 2FA and make fraudulent money orders.
|
|
#
?
Feb 28, 2021 18:10
|
|
|
i would posit that credit cards are more popular in the U.K. because people are more used to credit, and some people have to live off credit cards a huge part of why banking is free in the U.K. is that the banks agreed to fund current accounts with fines rather than fees, which in practice means that I get free banking while some poor single mother keep getting massive fines for going into their overdraft again and again
|
|
#
?
Feb 28, 2021 18:21
|
|
|
That choice is why personal banking should be state run and everyone given an account and paid for by taxes. It's a social requirement as vital as water and power.
|
|
#
?
Feb 28, 2021 18:30
|
|
|
namesake posted:That choice is why personal banking should be state run and everyone given an account and paid for by taxes. It's a social requirement as vital as water and power. And that's why they want to privatize water and power
|
|
#
?
Feb 28, 2021 19:08
|
|
|
kieth with his finger on the pulse of the electorate as usual https://twitter.com/Survation/status/1366445360558833667?s=20
|
|
#
?
Mar 1, 2021 18:52
|
|
|
twoday posted:I always thought the Dutch did it as an economic manifestation of Calvinism but I guess that doesn't apply to Germany so I'm stumped probably the same with Germany tbh. Reminded of how the word for 'guilt' and 'debt' in both German and Dutch is 'schuld'.
|
|
#
?
Mar 1, 2021 19:04
|
|
|
A lot of this was news to me and extremely concerning but should be no surprise to fellow posters who are starting their night-shift for the 77th Brigade  https://www.youtube.com/watch?v=eJ8mycEVgGQ
|
|
#
?
Mar 1, 2021 19:22
|
|
|
Randler posted:Sparkassen
|
|
#
?
Mar 1, 2021 19:56
|
|
|
oliwan posted:Literally everything about consumer banking in Germany sucks and is laughably outdated. It's honestly baffling, and you can't really experience how bad it is unless you've previously lived somewhere else and then move here, like I did. We call those convenience fees over in Canada and you will like it and thank the bank for them
|
|
#
?
Mar 1, 2021 22:33
|
|
|
I only now realise why my friend who came over from Germany to live in Finland for a while was really peeved when he couldn't find an ATM for his bank. All of them were for this weird bank named "Otto" that he couldn't even find a webpage for to open an account with. "Otto" is Finnish for "Withdraw", all the banks have agreed to have a common service named such which can be used by everyone with zero fees to the consumer. He must've been afraid that he would incur massive fees for withdrawing from the wrong ATM, lol
|
|
#
?
Mar 2, 2021 19:56
|
|
|
barbecue at the folks posted:I only now realise why my friend who came over from Germany to live in Finland for a while was really peeved when he couldn't find an ATM for his bank. All of them were for this weird bank named "Otto" that he couldn't even find a webpage for to open an account with. "Otto" is Finnish for "Withdraw", all the banks have agreed to have a common service named such which can be used by everyone with zero fees to the consumer. He must've been afraid that he would incur massive fees for withdrawing from the wrong ATM, lol In the US at least the normal ATM fee for withdrawing cash from any ATM is anywhere from 3 to like 5 dollars per transaction for normal ATMs and the ATMs at bars or casinos will gouge you to maybe 10 bucks. A lot of banks even charge a fee if you withdraw cash from your account with them at another bank's ATM. A pretty common bonus for the fancy checking accounts that banks provide to profitable customers is to cover the ATM fees other banks charge them.
|
|
#
?
Mar 2, 2021 22:03
|
|
|
Shear Modulus posted:In the US at least the normal ATM fee for withdrawing cash from any ATM is anywhere from 3 to like 5 dollars per transaction for normal ATMs and the ATMs at bars or casinos will gouge you to maybe 10 bucks. A lot of banks even charge a fee if you withdraw cash from your account with them at another bank's ATM. A pretty common bonus for the fancy checking accounts that banks provide to profitable customers is to cover the ATM fees other banks charge them. I've heard it's  at strip clubs, but I have no actual proof of that.
|
|
#
?
Mar 2, 2021 23:40
|
|
|
Shear Modulus posted:A pretty common bonus for the fancy checking accounts that banks provide to profitable customers is to cover the ATM fees other banks charge them. Lol yeah if you're rich or at least PMC and spend 10 minutes researching it you never pay ATM fees. America!  edit: My favorite is my brokerage that will do that for US atms if you open a technically separate account for "cash management" so they can skim pennies from the interest on idle cash on deposit. Except if you happen have $500k+ in assets they don't even require you to make a new account they just send you a card for free atm access worldwide, probably with a note like "thanks for not being poor  ".
mrmcd has issued a correction as of 04:06 on Mar 3, 2021 |
|
#
?
Mar 3, 2021 04:02
|
|
|
what the gently caress is this picture https://twitter.com/NoContextSilent/status/1367097820164014084
|
|
#
?
Mar 3, 2021 14:50
|
|
|
SMILLENNIALSMILLEN posted:what the gently caress is this picture looks like sunak has Issues about his height
|
|
#
?
Mar 3, 2021 14:56
|
|
|
|
| # ? Apr 25, 2024 22:56 |
|
|
V. Illych L. posted:looks like sunak has Issues about his height How tall is he? I always assumed he was quite tall from his photos, so yeah I've been suckered by the media.
|
|
#
?
Mar 3, 2021 17:23
|
|
