Danski0

To understand the difference in a short and simplyfied way:

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.

Forgotten? It's a basic GDPR article (article 20) that every somewhat serious EU company know.

Link bait by a company making their profit of GDPR confusion.

Love the concept but hate the smell of these "air fresheners" that just spray horrible perfume. Thank God for products such as carbonfilters and Yocoair that remove odour instead.

Is this article old? Haven't heard anyone say or believe that .org is anything special in 10years. Who is saying this? Same books that claims smoking is good?

It has been motivated at least in Denmark (limit was 1000, now 100) and Sweden (limit 500) that larger events attract people traveling to it. This traveling and being among large crowds large is what they want to avoid. While smaller events, say a local low division football team, doesn't normally attract a tone else than locals. The exact number is arbitrary but has to be something, right now 100 in Denmark, 500 in Sweden and will likely change over time.

+1 Lastpass created more chaos than solving issues in our company. Multiple dashboards that interfere with each other, horrible overview causing outdated/wrong rights, users having to restart several times before new passwords showing up, bad mobile support and much more.

Loans are always approved up to 85% of home value, so 15% cash payment required. 1 - 1.5% loans are freely available with 1-5 years fixed rate. And you get 30% back of the interest paid from IRS yearly.

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?

Reading comments here it seems that US house owners consider 3.5% low, is this correct? Article is locked for EU readers.

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?

Very similar concept as the scam Bitair (and many others of course) - https://bitair.io/

People missunderstand me a bit, I'm sorry if I wasn't clear. I liked stripe and still use it for some sites. I have no problem that our 1%+ chargeback was an issue for Stripe who have to keep Bank/VISA/MC happy. Also, it's ok that they didn't want us as a customer. Stripe has as much right as any other business to choose their rules and customers. I just told our story as a complement to the creator of this thread for other users of Stripe to know what could happen. Stripe is not a golden bullet for credit cards online as often told in the tech community.

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.

It was a SaaS subscription with mostly companies as customers. We didn't brake any ToS, Stripe refered to a high chargeback rate (1-2%) and that was it. Something about SaaS being high risk and getting close to 2% chargeback could loose Stripe their contracts with MC/VISA. In reality no fucking risk as we had a 100% refund policy, no questions asked, no time limit.

After using Stripe for our subscription service for over 1year with 100'000euro+ monthly transcation we got a 10day notice that they would shut us down. Also the mail was send late on friday before a long weekend, yeah! =)

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.