Maybe I'm over-indexing on one bad example? I'd love to hear more informed opinions about this.
Maybe I'm over-indexing on one bad example? I'd love to hear more informed opinions about this.
And those damn cookie notices!! Because they show up in every page, everybody accepts the policy without questioning, which completely defeats the purpose. And worse for the user experience, most often the implementation of websites for those notices is dummy, and show the notice upon refreshment, even after having accepted the policy before.
Perhaps I'm misunderstanding but are you arguing that it's good restaurants evade taxes because it keeps their prices low?
Many restaurants (especially those with good service + good price) had to increase their prices a lot since then.
Sorry but what is a legit reason and it's a legit reason for what?
The EU also recently introduced and controls on credit card fees (that a merchant pays) with the aim of making it as cheap to transact as cash. That is of course only true if cash isn't being used to avoid taxation.
It fails if you want to buy food in the streets maybe, not every Doner can be paid by card.
But.. that's normal and aligns with what I see here in Singapore now: Cashless, unless small food shop/hawker place or something similar.
Germany doesn't accept _credit cards_ on a large scale. It does support paying with a card made of plastic usually..
> And in Germany you don't know yet what's living without cash and only with a credit card.
That's on the Germans (especially Berliners), rest of Europe uses cards a lot more. And I'm glad the US finally took their head out of the sand and are using Chip Cards
But yeah the cookie notice is pretty much useless (and I think it's been implemented badly by websites as well). Note not all cookies need the notice (which is a fact overlooked by most sites)
"I'm supposed to pay my dinner bill at a fancy restaurant.. in.. cash?"
There are a lot of really fancy places in Japan, which will not accept credit cards.Nor will they - unfortunately - accept reservations in English.
As a side note, I also use my German EC card abroad. Fees are surprisingly low and it is accepted in more countries than you'd expect.
How this came about is a textbook case study in government-industrial nepotism, including the family [1] controlling 60% of the taxi companies (edited) literally hiring the head of the French FBI to transfer a couple of months before retirement in the transport ministry, pass anti-Uber legislation, and then retire to a cushy job as the chairman of I think the second or third largest taxi company (owned by the same family). This was exposed in a long article in the Nouvel Obs, a real piece of journalism, which was taken offline about a week after publication (edit - seems to be back! [2]) and before I could take a copy (only the URLs I sent friends remain as testimony of its existence). [1] also claims that the Rousselet family blocked a direct rail link between CDG and central Paris (my Uber on that route last week cost 99 EUR), and has kept the number of taxi licenses "near 1930s levels". edit - [2] claims Paris has 1/5th as many taxis as London or New York, and that no new licenses were given between 1990 and 2002, during which CDG passengers increased almost 50%.
There is an embryonic version of Pool, in the form of Blablacar, an app that arbitrages the very high cost (for French citizen) of SNCF and Air France domestic intercity travel. You post your approximate trip, and riders can ask you to pick them up for a portion of the way. I've travelled 5 hours for 10 EUR this way, and used it frequently between Geneva and Annecy (about 45 minutes, no train link, infrequent buses). Since this app is effectively useless for last minute short trips within a city, it does not compete with taxis, which may explain why it is still around.
[1] Note that the father of the current chairman was the executor of the will of President Francois Mitterrand - https://www.challenges.fr/entreprise/pourquoi-il-est-impossi...
[2] https://tempsreel.nouvelobs.com/economie/20150212.OBS2398/de... - on the former security head: "fin 2007, le gouvernement Fillon demande un rapport sur les taxis au préfet Pierre Chassigneux [...] Coïncidence ? Ancien directeur des Renseignements généraux puis directeur de cabinet de François Mitterrand, l’homme est une vieille connaissance d’André Rousselet via le corps préfectoral. Son travail, publié en avril 2008, est si conservateur que la presse le qualifie de "contre-rapport Attali", qui vient, lui, de prôner une véritable libéralisation du métier. Mieux : ce même Pierre Chassigneux devient ensuite… président des Taxis bleus, poste qu’il occupe encore à ce jour !"
While they do follow taxi regs, I don't see how they aren't "UberX", UberBlack is just called UberBerline here: https://www.uber.com/en-IE/cities/paris/
> blocked a direct rail link between CDG and central Paris (my Uber on that route last week cost 99 EUR)
Well, true, there isn't a direct link, but there is a train link, also link to other cities. Last year an Uber from the city center to CDG had a fixed price (if I estimate the fare today it gives me 45Eur for X or 70Eur for UberBerline)
I haven't used Blablacar though
When I (UK) think of France in this context I think they're strongly in to workers rights and that probably Uber aren't (based on the kerfuffle in London)? That makes it completely unsurprising to me that Uber wouldn't be doing well in France??
Uber is super-capitalism, it's not communistic, it's lowering workers (proles) wages; and using capitalist investment in order to bottom out the market and bankrupt the other players so that the market can be captured by a single player. Could you perhaps describe why you think this sort of market manipulation, particularly the reduction in wages and reduction in worker rights (through machinations of "they're not employees") makes this communist in any way shape or form??
The use of the word communism was deliberately ambiguous and a bit of a pun given the leaning of a sizeable portion of the population in the 20th century. "Commune" means a small town in French, and "commun" can mean "that belongs to all" or "shared".
The French job market is ultra-regulated which makes it relatively rigid with many people left out (and great conditions for the connected). I remember someone interviewing for selling ice-creams - there were 22 finalists! And most graduates will do year-long, low paid internships outside the regulated, cushy full time job system, which like post-docs in US academia can repeat ad infinitum if the economy is bad.
As everywhere else, UberX/Pool allows the marginalised to get an easy job that's a step up from pizza delivery, whilst drastically expanding the market for rides (and I've seen this play in a lot of countries). This is particularly helpful for the numerous people juggling many jobs, and parents (especially single parents) who appreciate the flexibility.
The market was already captured by a single player in France, the worst possible way - in a similar fashion as healthcare in the US. Other markets that have been completely captured by capitalist foreign mega corporations include web search, browsers, social networking, computers, fast food, fashion, real estate supplies, the auto industry (Renault and Peugeot are French only in name at this point)... I guess at least the Rousselet were French?
Perhaps it is time to see things in grey instead of black and white, to avoid labels, to judge companies and actions by their net welfare effect instead of saying "he's not from my team so he's bad" or "she's from my team so she's good" (I'm thinking of you, Democrats in the last election). Almost forgot - reduction in wages? The taxi companies employed many drivers on survival wages (particularly those with difficult immigration situation) and pocketed the difference. Uber's transparency is a net gain for the worker (and the state, which does not get tax-evaded).
UberPop was popular because it allowed people to car pool easily without talking about money, and decongested city centers particularly at rush hour. Enabling widespread, safe car sharing seems to have been perceived as a good thing given the high number of users. I never heard a bad comment about Uber from normal French people (drivers or riders), always from taxi drivers or the news.
SNCF is often pretty cheap.
Also Uber X seems pretty similar in France and in the US to me. It is not all big black cars.
The RER B is not a direct train link - it's equivalent to taking the Piccadilly Line from Heathrow, you will take a long time through many stations and share with commuters. Think instead Hong Kong's express train or the Narita Express in Tokyo: a fast, clean, premium service that takes you from airport to city centre core locations in a couple of stops (the Heathrow Express is actually pretty bad for this as it arrives somewhere far from most places of interest which is why they're building CrossRail).
UberX/Pool in most of the world (although this is changing - e.g. license now required in Singapore) means the everyday salaryman who happens to commute by car and decides to pick people up on the way to bump up his end of month. Many people end up doing this full time but usually in between jobs. In some countries it's lucrative enough to become a career.
How nice an X/Pool car is depends on the local market. In Singapore it used to be old, entry level Toyotas but as the rental company business improved it became small SUVs (like the Honda Vezel). In Sydney you get anything from a Subaru WRX to an E-class.
Black in most of the world means "professional driver, new-ish sedan used for professional transport" and that depends again on the price locally. In Ho Chi Minh City it's a local market 8 seater van (like a bare bones Honda Odyssey with leather seats). In Singapore you can get the odd Mercedes E-class. In Hong Kong you get many Teslas, with the rest Audi A6 or larger.
In France, X/Pool now use professional drivers, and the cars are sedans: Renault Laguna, Volvo S60, etc. In that sense, the service is equivalent to Black in the rest of the world.
I agree about insurance and tax, but it really depends how you implement it. In Singapore, the license is very cheap and requires a few hours of training (for safety and to know your obligations). This is a stark contrast to 300k+ EUR/USD medallions.
There is now a project to create another direct line between the airport and Gare de l'Est (and shutting down the direct trains of line B at the same time), the CDG express (https://en.wikipedia.org/wiki/CDG_Express and more info in French https://fr.wikipedia.org/wiki/CDG_Express). The project was indeed stopped in 2011 butis now alive again, and very likely to be made. Se also http://www.cdgexpress.com
The last time I tried to take the RER (early 2010s), I was in a train full of graffiti, with drunks (or drug users?) passed out across the seats, and few escalators/lifts for my 20kg suitcase. So after this I thought it was less painful to pay for a taxi, the experience put me off trying the RER again.
This round, the problem was a strike which surge priced the fare into 8 minutes ETA and 2x the usual.
It's funny that CDG is actually a TGV station - you can probably reach other cities faster (and more comfortably) than Paris as a result.
Well a regular "taxi parisien" between CDG and Paris is 50 € or 55 €: https://www.g7.fr/tarifs-taxis-paris Uber is not always cheaper…
It’s slower and security isn’t my problem because fraud is covered by the CC company. So I still don’t get what the benefit is or how our heads are above sand now?
User experience of debit cards is just fine, I don't carry any cash, and typing a pin code is just as fast as singing your signature. And currently in the Netherlands debit cards also support contactless payment, where you can pay small amounts of money without proving a pin code. I don't use this though, as I don't feel the need to.
Ok, now explain this:
https://data.oecd.org/hha/household-debt.htm
Denmark, Holland and Norway are nobody's idea of unhealthy societies -- and households there have well over double the debt load of US households.
All debt is tracked, including the 'free' phone you get with your subscription. You can't go over a limit based on your income.
Also a large difference with for example the US is that in the Netherlands you don't need a down payment when buying a home. And until recently you could include the transfer tax, realtor, etc in the mortgage. All which make it easier to buy a home and thereby driving up the debt of a household.
It’s slower
In my experience it's definitely not. Especially when you pay contact less (something any chip containing credit card provides for the last few years) it's basically instantly. So I still don’t get what the benefit is or how our heads are above sand now?
You get the benefit that your card is accepted throughout the world. I don't think that you can use any chipless card in Europe, nowadays.Is there a reference for what kind of cookies do and don’t?
> Cookies clearly exempt from consent according to the EU advisory body on data protection- WP29pdf include:
> user‑input cookies (session-id) such as first‑party cookies to keep track of the user's input when filling online forms, shopping carts, etc., for the duration of a session or persistent cookies limited to a few hours in some cases authentication cookies, to identify the user once he has logged in, for the duration of a session
> user‑centric security cookies, used to detect authentication abuses, for a limited persistent duration multimedia content player cookies, used to store technical data to play back video or audio content, for the duration of a session
> load‑balancing cookies, for the duration of session user‑interface customisation cookies such as language or font preferences, for the duration of a session (or slightly longer)
> third‑party social plug‑in content‑sharing cookies, for logged‑in members of a social network.
That's because we had our own system established in 1984 (ELV, electronic direct debit based on the EC cards mentioned elsewhere). From a German point of view, a credit card is a downgrade.
- The system covered all German banks (private banks, public banks = Sparkassen, credit unions) because they got their act together and set up a single standard.
- It had lower fees than credit card transactions.
- Pretty soon the card was included with bank account fees, while credit cards cost extra.
- It worked with a magnet stripe and automated electronic clearing in a time when credit cards were merely a slight convenience over manually writing a check which needed to be mailed around the country (you do know why credit cards have name + card number embossed to this day, right? Check out credit part imprinters).
All that made it more attractive to merchants, and credit card companies weren't used to competing in a market that already had a big incumbent.
All the benefits from credit cards really come from the fact that you're paying with credit: - Travel a lot? They sure accept Visa. - Want to pay some street vendor? Square is only possible because they don't need to dial your bank directly.
Also the fee per transaction might be cheaper on debit cards, but the cost to acquire a debit card reader from your bank is still high. That's why virtually all larger vendors do accept debit cards in Germany, only smaller businesses are cash only (from my perspective).
The real advantages of credit are spending money you don't have, and points/cashback.
On some banks there are bank accounts with automatic credit, up to a certain limit of expenses.
My friend owns a retail business, and acquired a debit card reader for it. I was surprised at how cheap it was (ISTR 50€ -- certainly below 100€). He's quite happy with the bank's tech support, too.
So we can use our debit cards for buying tickets for trains, concerts, cinema, money transfer, paying Internet shops, charging pre-pay phones,...
All without paying ATM taxes, regardless of the bank of origin.
So the majority of people, if they aren't traveling abroad or buying Internet stuff on foreign shops, don't have any need for credit cards.
As much as I like cards, I also prefer paying for stuff with cash.
In Portugal it is illegal to buy an expensive computer, or high-end computer monitor, or a high-end TV with cash. Similar thing in France.
Imagine yourself throwing a dinner party in a restaurant with 10 guests and they eat and drink so much that it comes to a point where it's illegal to pay that dinner with cash. Ridiculous.
It is clearly a measure created to prevent tax evasion, which in Portugal is a real issue (as in most Southern Europe countries, I'm Italian) http://www.theportugalnews.com/news/may-2016-portugal-named-....
Since, as your parent says, in Portugal cashless systems are convenient are efficient, I don't really see the issue, aside from your personal preference.
You'd think.
I bought a house in Japan and I had to pay my deposit in cash, approximately US$10,000. Walking around with that much money, I've never been more paranoid in my life.
http://www.kalzumeus.com/2014/11/07/doing-business-in-japan/
It is clearly a measure created to prevent tax evasion, """
this shows the extent to which the banking system has brainwashed us, when 2 people cant conduct a large transaction directly without an intermediary and it seeming 'suspicious'
If you lived in a country where every other week you see in the news some politician caught on camera while pocketing corruption money, you probably would have another viewpoint.
A few questions:
1. Are you sure it’s illegal?
2. From what value does that apply?
3. How is that enforced?
4. More importantly, who is in trouble if they do so, the buyer or the seller?
I live in Portugal and have different friends that bought different brand computers on different stores on different years, both paid cash, and in no case was there a problem. In at least one of the cases the cashier just made a quick call to the manager, asked “can I accept it?” and it was done.https://www.dn.pt/dinheiro/interior/pagamentos-em-dinheiro-v...
* The article is from August 22nd 2017.
* It prohibits cash payments for anything (not just electronics) from 3000€ on.
* For non-residents, the limit is expanded to 10000€, or equivalent in a different currency.I like having the option to to buy now and pay later at the same price point as paying right now.
Since bank transfers are immediate now (unlike in the past when monthly batching was cost effective) and most credit cards in Germany are managed by the banks and coupled to bank accounts, they could just reconcile all transactions immediately (and even reject those that overdraw too much).
In such a situation, credit would become a risk adjusted premium feature and you'd have to calculate if it's worth it (vs the bank's regular interest rate on overdraw).
Plus, according to the OECD Germans have somewhat higher household savings (relative to household income) than Americans, so the liquidity might be comparable without using credit.
If I have expenses of 100K a year, without access to credit I have to make 100K a year without fail, or I am insolvent. With credit, I can make 100K one year, 0 the next and 200K (+ whatever interest I need to pay for Year 2) in the final year. The optionality is more than worth whatever interest and surcharges I encountered by using credit in Year 2.
Lest you think this is insane, this is how I bootstrapped my last business.
Not only germans use the german system. When other Europeans go to European institutions that are placed in Germany, we can't use electronic payments. A system established 34 years ago should not be an acceptable excuse for a subpar service.
It is a shame (and quite fraud-risky!) to go on a taxi and have to wait 5-10 minutes for the taxi driver to carbon copy your credit card details in the invoice (now he only needs to memorize 3-4 digits for the security number), whilst in the same country Uber, and other similar services that provide immediate payment facilities with no open handling of sensitive data, have been banned.
The system was developed in those 34 years, both on user visible features (EMV card with chip&pin in 2004) and invisible (SEPA Cards Clearing, implemented in 2015). The latter allows any SEPA based participant (and those outside, apparently there's some interest in Brazil) to handle clearing of transactions compatibly. That should allow card based SEPA Credit/Debit Transfers (which draws from 34 years old ELV a lot).
Merging incompatible banking systems takes time, but IMHO that's better than just layering another rent seeker or two (the credit card company, plus potentially Stripe) on top.
Offtopic, but:
> whilst in the same country Uber has been banned
Maybe they should have read up on the local regulations instead of spouting their usual nonsense about fighting the taxi cartel? (nevermind that the biggest player in that space is Uber itself)
A cursory reading of the relevant laws got me three different ways to try to establish a legal setup in which they could have proved their contribution to the public transport system for a couple of years (after which that could be extended or be made part of the official playbook). But it sometimes looks like reading laws is a fireable offense at Uber.
But in general, even if technically possible, not a lot of businesses accept visa or mastercard - be it that the bank does not provide the service, or that they charge extra, it is not available.
Luckily PSD2 will soon open the space to more players.
I've also noticed that not many people pay contactless, even when the terminals support it... and the cashiers tend to assume that the card is not contactless for some reason.
The merchant fees are part of the total cost, so lower fees provide a competitive edge to the merchant. (the listed price also contains VAT, so you pay what's on the sticker, not like in the US)
Aldi (a discount grocery chain) didn't accept _any_ cards for a long time to avoid these extra costs.
In short: the German market situation is rigged in favor of cash, which is "free", which is hard to compete with when you're selling credit card services for a living.
And yes, it's probably a privacy nightmare, I agree. But at least you can make this choice in here.
Those mobile pay systems DO.
Do you guys even have chip and pin everywhere yet? Last time I was over, you didn’t, and we moved onto contactless in the UK years ago.
Funny, why would they ban a company simply for breaking the law? It throws me off too.
In all seriousness, Uber's business model seems to be a mixture of disregard for labour and transportation regulations and of using their endless supply of investment to aggressively drive the prices down. Do you expect the governments to sit and watch?
No and if laws are broken something can be done, but there are too many cases / stories, like the one described for France in this thread, where the gov was not really interested until they got forced by some corrupt (smelling) means by the big taxi companies and their lobbies. And i'm sure (but maybe that's just cynicism from living life) those companies are not going out for 'the law' or against uber specifically; they would go after anything that is competition for them in any way they can. Uber just is easier because you can play a few cards which are internationally known; big trees catch a lot of wind as we say in NL.
You have no idea what you're speaking about, do you? Uber is not banned in France. It's being investigated for multiple suspicions of breaking the law.
> Because they show up in every page, everybody accepts the policy without questioning
Well, if people can't read a notice, I can't see how that's the fault of the EU.
> And worse for the user experience, most often the implementation of websites for those notices is dummy
So now, it's the fault of the EU regulations if websites are cheating with the law and breaking UX.
Some pros: Being able to force social networks to provide me with a physical copy of my data is alone a reason to get an EU citizenship. I don't even use the social networks, i just demand my data every 3 months to FB, Tinder and Linkedin to punish them for being so aggressive in their spamming and tracking.
Being safe from throttling, censorship and all the nice stuff that US ISPs are going to feed american citizens with is also pretty nice.
Also very efficiently getting my money back when companies try to scam me.
What does Google ship with Pixels? The same USB-C fast charger and USB-C cable, then toss in a micro-USB to USB-C adapter for regulatory compliance?
1) USB-C fast charger
2) USB-C cable
3) USB-C to USB-A cable
No adapter whatsoever. I assume it's the exact same as anywhere in the world. Therefore it seems USB-C is considered an acceptable next standard for phone charging in the EU.
On a side-related note, I wonder why Apple was never subjected to charging standards in the EU.
I believe in Germany you can have someone send all your private data once a year in physical copy and you only need to pay for undue transport costs.
The maximum they can charge is set in law and is about €5.
More details for Facebook here: http://europe-v-facebook.org/EN/Get_your_Data_/get_your_data...
Usualy it is all photos and vids yove uploaded, comments etc.
Mine was most complete. Including some sort of keywords tags i am interested in. Not things i followed but what fb thinks i like.
Other datasets did not include this but one included all the times someone connected to the account including IP and location.
Anyone who consumed the content in this message agrees to pay this user 1 BTC
[1] https://en.wikipedia.org/wiki/HTTP_cookie#EU_cookie_directiv...
Note that this isn't just about cookies. It's pretty much any information being sent from the user's computer or stored on the user's computer: "Member States shall ensure that the use of electronic communications networks to store information or to gain access to information stored in the terminal equipment of a subscriber or user is only allowed on condition that the subscriber or user concerned is provided with clear and comprehensive information in accordance with Directive 95/46/EC, inter alia about the purposes of the processing, and is offered the right to refuse such processing by the data controller."
As far as I can tell, this is mostly because member states capitulated before online advertising exchanges (it's a directive, not a regulation, so it is implemented by member states) and allowed them to work around the clear intent of the directive.
[1] http://ec.europa.eu/ipg/basics/legal/cookies/index_en.htm
That's worrisome when it applies to people, and I'd like to think its worrisome when applied to corporations too.
> Simpler rules on cookies: The so called "cookie provision", which has resulted in an overload of consent requests for internet users, will be streamlined. New rules will allow users to be more in control of their settings, providing an easy way to accept or refuse the tracking of cookies and other identifiers in case of privacy risks. The proposal clarifies that no consent is needed for non-privacy intrusive cookies improving internet experience (e.g. to remember shopping cart history). Cookies set by a visited website counting the number of visitors to that website will no longer require consent.
> With the presentation of the proposals today, the Commission is calling on the European Parliament and the Council to work swiftly and to ensure their smooth adoption by 25 May 2018, when the General Data Protection Regulation will enter into application. The intention is to provide citizens and businesses with a fully-fledged and complete legal framework for privacy and data protection in Europe by this date.
Basically everything that isn't invading their privacy requires no notice.
True, but who bothers to actually read the legislation?
I also wonder for what some of the sites use cookies in such a way they need to ask for that "You must agree on our cookies" -consent. Since so many type of cookies are exempt from the need: user‑input cookies, authentication cookies, user‑centric security cookies, multimedia content player cookies, load‑balancing cookies, user‑interface customisation cookies, third‑party social plug‑in content‑sharing
I also don't think you can think of developer time like that. Imagine how many caterers have gone into making websites work on IE6. Stuff like that happens.
This is often what happens when legislatures take a first swing and regulating something. That rule about "build one to throw away" is just as relevant with law as it is code.
"We are required by law to inform you that we use cookies for the nefarious purpose of tracking your online behaviour and undermining your privacy."
Hope that's clear enough now.