Apparently these rules exist in my house also. Just today, my Gen Z kid forbade me from ever saying rizz or Ohio again. Luckily, I don't live near Ohio, so I don't need these words for any functional purpose. In particular, she told me that Ohio has been over for, like, a year and I'm out of date on slang.
sevan
joined 1 year ago
It's been a long time since I worked in that space, but I think it is basically like a reloadable prepaid card you can get from visa or mastercard. I would assume there actually is a bank behind it, but the account is essentially being sponsored by someone else and there is less risk for the bank because you can't write a bad check or overdraw the account. That makes it potentially useful if the reason you didn't get an account is because the banks refused you or you couldn't afford the fees. For people who are just anti-bank or worried about financial privacy, they would still want to go cash only.
On a side note, reloadable cards can also be useful if you have friends or relatives that you want to help out now and then, especially if they are not local and maybe make poor decisions. It's cheaper than Western Union or a money order, more secure than mailing cash, and no risk of them having access to your bank account number from sending a check.
According to FDIC, about 4.5% of US households do not have a bank account of any kind, but that number is much higher when you only include low income households. Some choose not to have an account, some are denied accounts by banks for various reasons.
https://www.fdic.gov/analysis/household-survey/index.html
Also, most banks only offer free checking accounts with direct deposit or a minimum balance. I don't know if this is still the case, but I worked for a payroll processor many years ago and, at that time, many small businesses chose not to offer direct deposit to their employees. Paying bank fees is very difficult for low income households.
One of the options the company I worked for had was to offer refillable debit cards to employees that their paychecks would be deposited to. This gave them the basic features of a bank without needing to create their own account.
The company I used to work for you could say "agent" or press 0, but you had to do it many times because it would keep trying to make you play along. At the start of Covid in 2020, the call centers were totally overwhelmed, so someone decided to change that path to say "sorry, I don't know what you want, goodbye" and hang up.
Surprisingly, that change caused a marginal reduction in call volume, which was the goal. So, when the call centers stabilized later in the year, Finance balked at any suggestion that the decision be reversed unless someone came up with an idea to offset the cost of the increase in volume it would cause. It stayed like that for 2-3 years and was still very controversial when it was finally put back to the way it was before Covid.
My answers below, but for your current issue, put in a complaint with the FCC or email the CEO of the company directly. Most major companies have a process to resolve issues that normal agents can't access if you can get to the right level. Emailing the CEO works with many companies, but telecom companies are sensitive to FCC oversight and would rather fix your issue than deal with the FCC.
Yes, the agent agreed with me that the company owed me money, but told me they couldn't do anything about it. I told them I understood, but please put in a ticket to someone that could do something about it. They just kept telling me they couldn't help until I got mad. They eventually relented and put in a ticket, which was then denied without reason a month later. I resolved the issue by circumventing the call center entirely and getting directly to an escalation team similar to what I recommended above.
That would be a lucky outcome for Intel, they can't compete with AMD's current fab (TSMC).
I've been applying similar thinking to my job search. When I see AI listed in a job description, I immediately put the company into one of 3 categories:
- It is an AI company that may go out of business suddenly within the next few years leaving me unemployed and possibly without any severance.
- Management has drank the Kool-Aid and is hoping AI will drive their profit growth, which makes me question management competence. This also has a high likelihood of future job loss, but at least they might pay severance.
- The buzzword was tossed in to make the company look good to investors, but it is not highly relevant to their business. These companies get a partial pass for me.
A company in the first two categories would need to pay a lot to entice me and I would not value their equity offering. The third category is understandable, especially if the success of AI would threaten their business.
Imagine that the flag is attached to a flagpole and the person is carrying it while walking forward, the flag would be flowing out behind them with the blue part at the front no matter which side of the person you were viewing from. In this case, the person is the flagpole.
I might be a workaholic. I said I could quit any time, but now that I've done it I keep looking for another job! I've clearly become dependent on paychecks...
Any fitness physique you see on Instagram (male or female) took a ton of effort to achieve (and possibly some pharmaceutical or surgical assistance). You can pick any routine in the world and you are not at risk of looking like that unless you are really dedicated to it.
In the US, many states have a law specifying a minimum passing distance when passing a bike and it is normally 3 ft (about 1M). I have seen some cyclists cut a very bright piece of foam (usually a pool noodle) and attach it to the back of their bike sticking out into traffic. This creates a visual barrier to encourage people to give more room when passing. I don't know how the laws or culture are in Malaysia, but maybe something like that would help.
Here's an example (from Canada): https://www.ctvnews.ca/canada/cyclists-in-toronto-riding-with-pool-noodles-to-protect-themselves-from-drivers-1.4082620
We only feed dry food.