Danski0
1. Your examples are heating up the inside air by using energy (burning fuel). Doing so will always be less than 100% efficient, some heating technologies are as little as 10-20% efficient (energy per kWh)
2. Heatpumps are instead using energy to do heat transfer. Moving heat from the outside to the inside.
The latter is way more efficient, with easily 300-400% efficiency. But obviously the colder it gets outside, the less heat is in the air to extract and the efficiency goes down.
Link bait by a company making their profit of GDPR confusion.
Repayment terms are usually 40-100 years and not uncommon that 3years in on a 100year repayment you refinance the 97% left on a new 100years repayment plan.
To put it into some numbers. A typical middle class income for a couple would be 85.000usd/year, 60.000usd after taxes. They buy a home for 320.000usd with a loan of 270.000usd. Interest cost $180/month.
I find it very interesting that the markets in many countries have similar movements but loans are nothing alike. Are country markets really so different or are some markets just broken and it will catch up one day?
This just makes me even more scared about Swedens new normal that is 1.50% (1.00% after tax deduction). Today I even get offered 0.99% (0.70% after tax deduct).
What is currently "normal" rates in different regions in the world?
Now, what did bother me enough to comment at all?: 1. We always send in detailed papperwork for each chargeback. Never heard back for any of these during our time as a customer. Not once! 2. We never got any indication that we were getting close to some limit resulting in being cut off, just the email saying byebye in 10days (or whatever it was, maybe 7?) just as everyone in the office went on a 4 day holiday (bad luck I guess). 10 days is not even close to enough to set up with a new processor for SaaS-products if you need an import of old customers and have any to speak of amount of charges going on. It triggers a lot of extra papper work. 3. Payment processors claim SaaS is high risk as there is no product for proof of delivery. Stripe has all our money for months and a full refund policy makes it low risk in my eyes. We pay extra for this hassle anyway. If they say it's a risk, ok, Stripe knows better I hope. We had very long going ID identification so fraud was never the issue, just people trying to get money back and ashamed of asking it from us directly. 4. Stripe dealing with 1mil+ euro yearly of our money and refusing to speak on the phone even regarding major issues. Emails with "tough" questions always disappeared into thin air. It feels weird to not being able to contact someone that have your balls this way.
PS: Our "high" 1-2% chargeback spiked sometimes as customers that had made 10+ transactions during a year could start a chargeback for all transactions. Never spiked above 2%. Also, the product attracted many lazy and not-so-tech-savy-people, very far from the typical tarsnap user (which I'm a long term user of). Not defending our chargeback-rate, just that we know why as we phone up each user after a chargeback to get an understanding.
Long comment, hopefully it clears out my thoughts for those interested.
No warnings, no chance to appeal, no heads up and absolutly no possiblity to call them. Lost around half a million euros before we could get our customers exported to another payment processor. Thanks Stripe!
It's a great service when it works, not so great at customer service.