Just your normal everyday casual software dev. Nothing to see here.

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Joined 3 years ago
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Cake day: August 15th, 2023

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  • Yeah, for real. I don’t think this is a Reddit exclusive thing.

    The Hive Mind is a scary thing, and while I definitely think that Reddit is one of the worst offenders of it, it’s present on any social media platform with the ability to downvote and also shows the downvote.

    Thankfully on Lemmy, most of the major UIs give you the ability to hide down votes in general. I think Photon is the only one I’ve found so far that doesn’t have the ability to hide downvotes, which sucks because it’s also the best UI(imo) that I’ve found so far.


  • Yeah, it sounds like it’s much better implemented there. I’ve always found it stupid that in today’s age of everything being digital, that it could take more than a day for money to go from point A to point B, especially since it’s not like trucks are being loaded with gold or money or anything like that, its all centrally managed anyway, from what I understand, the us attempted to start a system back in 2023 that would allow for real-time transfers of small denominations, when they got a scare that blockchain was gaining traction, but I don’t think it ever went anywhere.

    Bank accounts are very different in the states, through, while a good portion of the people here do have bank accounts. There are a handful that just never open one. They exclusively cash their checks at a store like Walmart or something like that that handles check services (which have a fee to do). ACH is generally free as long as it’s a deposit, wire transfer out is sometimes fee’d and the same with wire transfer in. And some banks don’t easily show your routing or your account number in order to be able to set up a transfer. Like I have four banks myself and of those four banks, one of them I have to call to get that information. One fees me on wire out with no fee on deposit, a one restricts how much I can wire out at a time (I think it’s 300 daily) and the last one I have no issues. Only 2 of them show the info needed for it right in the app. I agree that 90% of the time. I would much rather have a wire transfer, but it can be a hassle at times.


  • I’m not sure where you are located but, in the US it’s those 3 pieces of information as well. I think checks in the case of validity and legal situations make a lot more sense. Not everyone will have that information at hand, nor do they have banks that are willing to allow them or charge a fee for them. It’s also 2 pieces of information more than a cashiers check would require, and discloses where the destination of the funds is going to anyone involved which includes both the handler and the person who is giving you money, where with a cashiers check you can deposit or cash those most anywhere that manages checks, be it your bank, an opposing bank, walmart etc. It also helps with the actual paper trail as you have a physical piece of paper confirming you are going to be receiving the amount, where a wire is fully digital and if something messed up along the way, it can take weeks to resolve the issue. You can’t screw a cashiers check up without really trying, it’s weighted against the bank itself instead of the person or entity that is owing the money, which means it can’t bounce(like normal checks can), and it only needs your name which, the court and the payer should already know, where a wire transfer can be screwed up by a simple typo of the numbers.

    The processing speeds are also night and day. You mentioned next day but, that is likely because because your bank is doing you a favor with it. A wire transfer can take up to 5-7 business days to actually transfer, in some cases it can even take up to a couple weeks. Cashier checks are handled similar to government checks and are legally mandated (at least in the US) to be cleared next day. Wire transfers to my knowledge do not have this obligation.


  • Pika@sh.itjust.workstomemes@lemmy.worldinfinite money glitch
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    21 days ago

    In this case, it would actually be beneficiary to use checks because they can do it via cashier check to guarantee that it’s going to deposit and also it makes the paper trail to help protect against the I wasn’t paid or this person never got the money claim.

    Not that I don’t believe that checks are not ancient outdated technology as well, but I do agree there are some rare occasions where it makes more sense to use a check versus having to deal with a wire transfer or paying in physical denomination.



  • Pika@sh.itjust.workstomemes@lemmy.worldWell respected man
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    1 month ago

    Yeah, this is why I stopped donating to them

    I donated to them for a few years, $20 a year, so not much. And then one year they sent me an email that was very clearly meant to guilt trip me into thinking I wasn’t donating enough to the platform. So I cancelled the contribution instead.








  • I cancelled my sub as well for this year but, my only experience with this was well I selected “prime day delivery” to get the extra 1% on the card. It told me the following monday which was only like 3 days away so only a day more than if I did normal shipping so im like “oh ok thats fine”. It didn’t arrive monday and was updated to the monday after. I ended up cancelling the order full stop and got it at a brick and mortar when I was out that wednesday.