jrnvs
In The Netherlands, direct online payments using debit cards are very common. These are secure payments, verified through a bank’s mobile banking app or internet banking with 2FA.
https://en.m.wikipedia.org/wiki/IDEAL
This means there is no risk for the seller that a payment gets reversed. There is fraud, but it centers mostly on social engineering people to authorise payments for others, or to mail their debit card to “the bank” for “recycling”.
Cost per payment: about 30 cents.
Meanwhile, in other countries, credit cards are the common online payment option. Security? A number on the front of the card and a “secret” second number on the back of the card.
Cost: 1.5-3.5% of payment.
Better security is possible, but it’s hard to move from a local optimum when you’re locked into a certain ecosystem.
The credit card no-security scheme works because everyone gets reimbursed for fraud. It comes at the cost of retailers handing a few percent of every transaction to intermediaries, instead of just a few pennies.
Unfortunately, carbon capture and storage is not economical (yet). Let's hope it will be soon, with EU CO2 prices already reaching 50 euros / ton this week [1]. If I understand this International Energy Agency report[2] correctly, many forms of carbon capture become economical if these price levels subsist in the EU (and other economic blocs impose similar prices on their industry).
[0] https://en.wikipedia.org/wiki/Bioenergy_with_carbon_capture_... [1] https://www.reuters.com/business/energy/eu-carbon-price-tops... [2] https://www.iea.org/commentaries/is-carbon-capture-too-expen...
Interviewer: Is it possible that the photo was taken a wee bit before the black line? Photo operator: I doubt it... I doubt it because we really took a good look if it's all been set up correctly.
There are several rules of thumbs which can help foreigners to correctly guess the article in both Swedish and Dutch. Of couse, they'll only be an accurate guess at best, but they can give you a headstart as a novice learner.
I don’t think the officials handing out the tax breaks have bad intentions, but the system itself seems corrupt.
But wait, if the new house is in the same neighbourhood, it’s price increase was probably also close to 25%. If prices had stayed the same, it would be worth $400k today.
So you just gained $50k on your old house but are paying $100k more on the new one.
This is only beneficial if you move from a large house in a popular area to a smaller house in a less popular area.
If you have kids, they might inherit the wealth gained from your housing “investment” - after splitting with their siblings and after taxes of course. Sounds good, until you realise that they will have to spend it all - and put in extra - on housing because of the price increases.
In a world where housing prices stay the same, or become slightly cheaper year by year, everyone is better of. The prices of common utilities such as food and clothing have gone down spectacularly in the last decades while quality has gone up. No one would rather live in a world where these had instead become more expensive. It’s time we start thinking about housing in the same way.
I'm a proponent of this system, just wanted to point out that governments are not necessarily elected. I think the same holds in many other EU countries, e.g., Belgium and Germany.
Also note that the article doesn’t claim the euro as essential feature for every country’s EU membership, it just says it’s essential for Estonia.
Actually, when I DDG this phrase, the only result is your comment in this thread.
For other businesses, the gains from the revenue increase in some groups may trump the gains from the losses in other groups, or the other way around. Your mileage may vary.
Or perhaps the smartphone you "bought", which tracks everywhere you go and doesn't allow you to install your own software.
As proprietary software with DRM invades deeper into our daily lives by becoming part of all the appliances and tools we use, we will no longer have the freedom to use "our" products as we see fit.
[1] https://www.eff.org/deeplinks/2013/11/drm-cars-will-drive-co...
If someone were to open all these one-time links (and manage to fill in the captcha's automatically), people would start to notice very soon when the intended recipients complain and the Own-Mailbox interface shows that the email-URLs were opened by some dodgy IP address.
From TFA: ➜Can you explain more in details how Private Link Message (PLM) works? Private Link Message (PLM) allows you to send and receive messages from people who don't use GPG.
In order to send a message you can send a secret HTTPS link to your correspondent. It will look like https://test.nospy.co/n3FVgtFwR2cp839nX6dkQGzGjF38bJ5VwiX86u... .
The link is temporary: once clicked by your correspondent it is too late to spy, the link does not work anymore.
You can also, optionaly, setup an expiration date for the link. If your correspondent did not access the message before this date, it is too late to read.
The link is filtered by a question. Depending on the level of surveillance you think you are in, the question can be a simple captcha to avoid bots, a secret question that your correspondent can answer but not the NSA, or a request for a password previously exchanged with your correspondent, or no question at all.
Your correspondent will have a web interface to answer your message privately. You can also activate a permanent HTTPS interface for anyone to send you a message privately at any time.
In practice a simple captcha will allow you to be safe from mass surveillance, since only targeted surveillance can be done by human beings. On top of that any spy will be detected, and have his IP address revealed. On our test, no PLM has ever been spyed even with no question at all.