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OT: Jets Lounge: Now buying Kaopectate in bulk.

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flyingkiwi

flyingkiwi

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Oct 28, 2014
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GJF said:
Unfortunately I'm one of those people who never have cash money with them so I buy 99% by card (not credit card we have a different system in Germany). So when I order a pizza, I have to pay with PayPal = no tipping money for the guy and there isn't much I can do about it.

Overall tipping in Germany is vastly different as you probably know compared to NA. Completely up to you if you want to tip someone for a pizza. It's kinda like common sense to go by the logic "if the guy has to climb a couple of stair levels or something like that, better tip him."

Good thing I live on ground floor :laugh:
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You guys run on eftpos/debit too? I have a Visa Debit card and it's a thing of beauty. All the function of a credit card but all my own money. It was super handy overseas too. Left my wallet in Brandon when we went to the Jets game but could still use my card as a last resort.

NZ is the crash test country for banking technology so we've had eftpos forever and now debit cards are big too. Hardly anyone carries cash anymore. I don't even carry a wallet. Just tuck my debit and metro card and ID into my phone case.
 
GJF

GJF

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Sep 26, 2011
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no in Germany we have a system working directly with your banking account. You'll get a card with a small chip in it, it's unique to your account. You can use it on any ATM to get cash directly withdrawn from your account. You can also check your account and see latest movements (there is internet banking so you don't really need that nowadays). You can pay with that card in 95% of the occassons and the card normally gets refused when your account is in the red numbers. In order to pay, you either enter your pin code or have to sign and the person taking your payment compares your signature with the one on the backside of your card. Which one you'll have to do is always decided randomly.

When you lose the card, it can be blocked in only a couple of minutes by making a call to your bank. I'm not even sure how long this is existing, I can't remember another system so it's probably in place for at least 30 years.

I think most other central european countries use a similar or the same bank account card system.

The downside of it is it's mobility: You won't be able to pay with it in stores outside the EU and if you wanna get cash from an ATM outside of Germany, they'll charge you quite a considerable extra fine because it's not really its purpose. You'll wanna use your credit card in those cases. That's the reason why most Germans actually don't have a credit card until they're like 25-30 and begin travelling to other continents so they're forced to get one.

The upside is the simplicity. But the best part is: You have way better overview on your spendings compared to credit cards and it leads to a lot less people having credit debts compared to the credit card system. It's also quite safe for teenagers to use: I got my first one at age 12. I got my pocket money on my bank account and since you can't spend one cent over what you have on your account, there is no danger in using it. I actually think it teached me how to handle paying things on my own quite well and early.
 
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flyingkiwi

flyingkiwi

Registered User
Oct 28, 2014
4,380
3,625
France
GJF said:
no in Germany we have a system working directly with your banking account. You'll get a card with a small chip in it, it's unique to your account. You can use it on any ATM to get cash directly withdrawn from your account. You can also check your account and see latest movements (there is internet banking so you don't really need that nowadays). You can pay with that card in 95% of the occassons and the card normally gets refused when your account is in the red numbers. In order to pay, you either enter your pin code or have to sign and the person taking your payment compares your signature with the one on the backside of your card. Which one you'll have to do is always decided randomly.

When you lose the card, it can be blocked in only a couple of minutes by making a call to your bank. I'm not even sure how long this is existing, I can't remember another system so it's probably in place for at least 30 years.

I think most other central european countries use a similar or the same bank account card system.

The downside of it is it's mobility: You won't be able to pay with it in stores outside the EU and if you wanna get cash from an ATM outside of Germany, they'll charge you quite a considerable extra fine because it's not really its purpose. You'll wanna use your credit card in those cases. That's the reason why most Germans actually don't have a credit card until they're like 25-30 and begin travelling to other continents so they're forced to get one.

The upside is the simplicity. But the best part is: You have way better overview on your spendings compared to credit cards and it leads to a lot less people having credit debts compared to the credit card system. It's also quite safe for teenagers to use: I got my first one at age 12. I got my pocket money on my bank account and since you can't spend one cent over what you have on your account, there is no danger in using it. I actually think it teached me how to handle paying things on my own quite well and early.
Click to expand...

Sounds like our normal everyday eftpos cards to me. Can be used at ATMS for cash or to buy stuff, though over here it's PIN authentication exclusively. All tied to a bank account. Our eftpos network has the same mobility problems and you can't use the card out of the country or to make online purchases. I got my first card at 13 and have barely used cash since. Even our school canteen took eftpos.

You used to have to get a credit card to shop online or overseas but that's where our aforementioned debit cards come in. I love it. Works EVERYWHERE.

Only thing is fees and conversion charges usually suck ass so you want to find another solution for foreign currency unless it's just a couple days in Australia or something.

What I used for most of my trip to America was a reloadable Mastercard Cash Passport. You set a primary currency on it (for me it was CAD) then make deposits to it through Internet banking from your bank account and it converts the money for you. I think the fee was like $1 or 1% of your deposit, whatever was higher. I could then log into the card online and transfer between currencies. Made it easy to transfer just a little bit for my few days in the states. And it automatically drew from the correct currency regardless of what country I was in. You can withdraw cash for no extra fees either. Absolutely loved it and had no bills waiting for me at home.
 
GJF

GJF

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flyingkiwi said:
Sounds like our normal everyday eftpos cards to me. Can be used at ATMS for cash or to buy stuff, though over here it's PIN authentication exclusively. All tied to a bank account. Our eftpos network has the same mobility problems and you can't use the card out of the country or to make online purchases. I got my first card at 13 and have barely used cash since. Even our school canteen took eftpos.

You used to have to get a credit card to shop online or overseas but that's where our aforementioned debit cards come in. I love it. Works EVERYWHERE.

Only thing is fees and conversion charges usually suck ass so you want to find another solution for foreign currency unless it's just a couple days in Australia or something.

What I used for most of my trip to America was a reloadable Mastercard Cash Passport. You set a primary currency on it (for me it was CAD) then make deposits to it through Internet banking from your bank account and it converts the money for you. I think the fee was like $1 or 1% of your deposit, whatever was higher. I could then log into the card online and transfer between currencies. Made it easy to transfer just a little bit for my few days in the states. And it automatically drew from the correct currency regardless of what country I was in. You can withdraw cash for no extra fees either. Absolutely loved it and had no bills waiting for me at home.
Click to expand...

Oh all right so it pretty much is the same thing I guess. So this is rather new to NZ? Or was the "new things" comment about something else?
 
flyingkiwi

flyingkiwi

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GJF said:
Oh all right so it pretty much is the same thing I guess. So this is rather new to NZ? Or was the "new things" comment about something else?
Click to expand...

We've had the same thing as you for as long as I've been alive and probably then some. A quick Google shows that "then some" to be about ten years. Got it in '85.

The debit cards that you can use online/overseas as well as on our eftpos system have been around for ten years or so. With the rise of online shopping they're getting very popular and it's the main reason I have one.
 
flyingkiwi

flyingkiwi

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YWGinYYZ said:
Ah - gotcha! Don't mind me, then! :D
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All good man!

I didn't notice as many debit cards while I was over there. At least in the form that I use. It was either plain eftpos or credit. Now that I have it I don't think I could give up the functions of a credit card on my own money.
 
HannuJ

HannuJ

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Nov 20, 2011
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Toronno
Jet said:
I would imagine it's an agriculture thing, not a LCBO thing. That would be the logical explanation.
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incorrect.
it's a 100 year old liquor law from the end of prohibition. zero to do with agriculture.
in fact, by encouraging meaderies and increasing honey use, you're encouraging bee hiving. so you're increasing the population.
when you collect honey, you're just giving bees a safe hive to use. they're still pollinating.
 
LadyJet26

LadyJet26

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flyingkiwi said:
All good man!

I didn't notice as many debit cards while I was over there. At least in the form that I use. It was either plain eftpos or credit. Now that I have it I don't think I could give up the functions of a credit card on my own money.
Click to expand...

I googled it. It looks like the same system as ours. Ours is just called interac
 

Derfel*

Guest
Romang67 said:
I'm RIGHT HERE!

It's not my fault that you're always working.
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Every morning, I wake up and you are home
But in your eyes I see that I'm alone
You've left me with your body in my arms
But I can't feel you anymore, you are gone

I can touch your skin but you aren't there
Frustration burns in me, it's more than I can bear
I wanna take you in my fists
And squeeze the life back into you
But there is nothing I can do, you are gone

And I can hold you in my hands
But you slipped away like a fistful of sand
I can hold you in my hands
But you are gone, you are gone, you are gone
 
StronGeer

StronGeer

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Jan 25, 2013
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Down by the bay
Derfel said:

Every morning, I wake up and you are home
But in your eyes I see that I'm alone
You've left me with your body in my arms
But I can't feel you anymore, you are gone

I can touch your skin but you aren't there
Frustration burns in me, it's more than I can bear
I wanna take you in my fists
And squeeze the life back into you
But there is nothing I can do, you are gone

And I can hold you in my hands
But you slipped away like a fistful of sand
I can hold you in my hands
But you are gone, you are gone, you are gone
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I hope one day that this poem is recited with reference to one Czech netminder.

Couldn't resist.
Romang67 said:
I'm RIGHT HERE!

It's not my fault that you're always working.
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Haha yeah. Not like I can hop on here at work either for a variety of reasons:

1. Too much work to do
2. My boss sits right beside me
3. An impressionable intern sits on the other side of me
4. The executives all sit about 40 feet behind me with no dividers/cubicles to obstruct their view of my screen
 
flyingkiwi

flyingkiwi

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Final exam and Fallout 4 release tomorrow. Time to renew the GCL, buy a crate of cider and enjoy possibly my last 4 month long summer break.
 

Derfel*

Guest
flyingkiwi said:
Final exam and Fallout 4 release tomorrow. Time to renew the GCL, buy a crate of cider and enjoy possibly my last 4 month long summer break.
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Just make sure you write the final exam before getting your hands on Fallout 4, or you'll have another 4 month long summer break next year. :laugh:
 
ps241

ps241

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Mar 10, 2010
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HannuJ said:
incorrect.
it's a 100 year old liquor law from the end of prohibition. zero to do with agriculture.
in fact, by encouraging meaderies and increasing honey use, you're encouraging bee hiving. so you're increasing the population.
when you collect honey, you're just giving bees a safe hive to use. they're still pollinating.
Click to expand...

LCBO dictionary definition:

a philosophy, movement, or regime that exalts nation and often race above the individual and that stands for a centralized autocratic government headed by a dictatorial leader, severe economic and social regimentation, and forcible suppression of opposition
Click to expand...

:naughty:
 
GJF

GJF

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Looks like Fallout 4 is quite buggy... just as every other bethesda game at the release. So it could be a good thing to wait for another two weeks or so.
 
Hammer Slammer

Hammer Slammer

Registered User
Mar 26, 2010
12,745
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Winnipeg
GJF said:
Looks like Fallout 4 is quite buggy... just as every other bethesda game at the release. So it could be a good thing to wait for another two weeks or so.
Click to expand...

That's okay, I'm used to buggy Fallout worlds. :laugh:

3 and New Vegas were buggy as hell but I still put hundreds of hours into them.
 
Hank Chinaski

Hank Chinaski

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May 29, 2007
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Northern MB
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