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‘I’m Old, Not an Idiot.’ One Man’s Protest Gets Attention of Spanish Banks

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151–160 of 164 posts

Re: ‘I’m Old, Not an Idiot.’ One Man’s Protest Gets Attention of Spanish Banks

#151
post #48

Last year my bank, Scotiabank, increased its profits be from $6 billion the previous year, to $9 billion. And while they can be helpful, try calling them on the phone. A painful process to deter you from calling them. I had to call them yesterday. When I finally got to talk to a human, she took my number for a call back, I am still waiting . I have no idea how the elderly deal with this blatant corporate greed.

In Canada, credit unions aren't perfect, but usually worth paying a bit more for better service.

In Quebec, Desjardins (coop, on paper) has done lots of cuts and tries to compete with banks (many branches closed/merged), but when there are issues, I can easily get someone on the phone and they resolve it quickly and professionally.

Re: ‘I’m Old, Not an Idiot.’ One Man’s Protest Gets Attention of Spanish Banks

#152
post #96

Earlier quoted context omitted.

Huh? Paid utility bills don't help to establish a credit history on your credit report even today.

It doesn't, but multiple years worth of rent/utility bills can be used as a substitute so long as you are willing to jump through a couple extra hoops and pay a little bit more in interest for the privilege. My girlfriend just went though this process. She has no credit because she never got a CC and always saved up and paid for stuff like her car in cash. Over the winter she was looking to buy a house (didn't pan ou…

Yes, that was my point. If you can get the lender to look at your history, it matters, like anything else. But those transactions do not establish a credit history associated with your credit score.

Re: ‘I’m Old, Not an Idiot.’ One Man’s Protest Gets Attention of Spanish Banks

#153
post #36
post #3

I've had to assist an elderly neighbour after her phone company cut off her phone service. Why? The way she had paid for it for the preceding 40 years was she would get the paper bill in mail, and then go down to the post office and organise payment using the details in that paper bill. They switched her over to paperless billing with an email that they've done so but you can opt out. She either did not understand th…

I recently endured a Kafka-esque nightmare with my bank. I had this personal VISA card for several years but I rarely used it because I also have a Mastercard that I prefer. Anyway, two years ago when I started my current venture I opened a business bank account with my preferred bank for business banking (same bank I had the personal VISA through), so I applied for a business VISA. At the same time, I told them I wa…

Which bank?

Re: ‘I’m Old, Not an Idiot.’ One Man’s Protest Gets Attention of Spanish Banks

#154
post #139

Earlier quoted context omitted.

But for what?

What do you mean for what? Why I was at the bank? I had to cancel a credit card I never used, and had to show my latest ID.. Here in Europe banks are supposed to validate ID regularly now which is a real pain in the **. I don't get why either, it's not like I change identity very often :) It's just more distrust from the government I think. No I didn't go there to withdraw money or to pay bills. Though it can still b…

I never canceled a credit card like this. They just want me to send it back.

Very weird but unlucky you I guess :)

Re: ‘I’m Old, Not an Idiot.’ One Man’s Protest Gets Attention of Spanish Banks

#155
post #147

Earlier quoted context omitted.

> In what situation will an individual need to supply their utility bills to the taxman during an audit? Under IRS rules, some people who WFH can often deduct part of their home expenses, including utilities. See IRS Form 8891 line 21, labelled "Utilities"

As far as I can tell this exclusively applies to self-employed people, i.e. someone running a business from their home.

Post 2017 it does, only people who are 1099, so it includes many software engineers who are contractors. Before 2017, it included employees too. So, some plain-old w2 employees still have utility bills lying around subject to audit.

Re: ‘I’m Old, Not an Idiot.’ One Man’s Protest Gets Attention of Spanish Banks

#156
post #14

Quoted post unavailable.

Dude has Parkinson's. Lots of older people also have serious vision problems. (and as much we stare at screens all day we should respect the hell out of this issue) Also lots of old people have arthritis. Tell me next how people asking for accessibility options are a pain in your ass.

ATMs have voice prompts. Look for the headphone plug.

Re: ‘I’m Old, Not an Idiot.’ One Man’s Protest Gets Attention of Spanish Banks

#157

Earlier quoted context omitted.

I still use cheques. I am definitely not a boomer. I also like paper statements, use cash and sometimes do paperwork on slices of dead trees. I work in technology enough to distrust it greatly. I had a multi-week saga one time because I used an electronic pdf signature instead of printing it out. I still get people freaked out when my resume is digitally signed in acrobat. I will stick to my dead tree banking.

Cheques were de facto abolished here so long ago that I can't remember the year I last used one, must be at least twenty years ago. The bank I have been using for more than the last ten years has never issued cheques.

Yeah, I think for anyone under the age of 35 in my country, cheques only exist in the giant novelty kind given away in lotteries or politicans at PR events. Current teenagers wouldn't even remember their parents using them.

Re: ‘I’m Old, Not an Idiot.’ One Man’s Protest Gets Attention of Spanish Banks

#158
post #82

Earlier quoted context omitted.

Checks are awesome - I use them all the time and I'm at least a third of the age of the elderly. Accessibility is huge to think about especially with "requireables" like the banks, and so it's just good practice and the right thing to do to think about the elderly and edge cases for folks who don't do email/smartphones. It pays to have empathy to all cross sections of society, not just the ones that are the most visi…

Checks are ridiculously stupid. They are not save, expensive and you need to go to the bank to cash them in. All of this just because our society is to stupid? Old people are not stupid, they are just old. They should be able to either teach themselves or being teached. Our society should focus on helping them to navigate the current world and not try to keep things like checks alive. And I'm pissed about this though…

> you need to go to the bank to cash them in

No you don't. You can scan them in many cases these days, or mail them in. Can also deposit in ATMs.

I cash checks all the time and haven't physically been to my bank in over 20 years, as the nearest branch is ~3000 miles away.

Re: ‘I’m Old, Not an Idiot.’ One Man’s Protest Gets Attention of Spanish Banks

#159
post #3

I've had to assist an elderly neighbour after her phone company cut off her phone service. Why? The way she had paid for it for the preceding 40 years was she would get the paper bill in mail, and then go down to the post office and organise payment using the details in that paper bill. They switched her over to paperless billing with an email that they've done so but you can opt out. She either did not understand th…

Paperless billing is such a nuisance. I get too much email and I'm far too busy, so anything in the email queue is quickly forgotten. I don't have the time or energy to be re-reviewing emails every day for bills that might be coming due soon.

I try to get all bills on paper. Then I just write the due date on the envelope when it arrives and keep them sorted by due date in a neat pile on my desk. Impossible to miss a due date that way.

Re: ‘I’m Old, Not an Idiot.’ One Man’s Protest Gets Attention of Spanish Banks

#160
post #8

The OECD published the results of a massive survey of member countries some years ago, titled "Skills Matter" ( https://www.oecd-ilibrary.org/education/skills-matter_978926... ). The researchers defined 4 levels of technology proficiency, based on the types of tasks users can complete successfully. There was a very good summary published here ( https://www.nngroup.com/articles/computer-skill-levels/ ) and excerpted b…

Taking this away from computers and to systems, I’ve always had a terrible time with interacting with government. So much so I go very far out of my way to avoid it. Talking specifically about Australian Centrelink which is social support type things including unemployment payments. I think this applies to all large bureaucracy. It always seemed impenetrable to me, but in the waiting areas are people there are plenty of people who are experts at navigating this system because they’ve done it for a long time, to stereotype: bogans or redneck type people it’s easy to call stupid, they know all the tricks and all the scams. The govt is then designing and updating their system to foil these people, locked in a perpetual arms race in which someone like me is completely lost in the meta, spun around, chewed up and tossed aside. Powerless to an opaque system designed be experts to prevent experts taking advantage of it but in effect requiring everyone to become scamming experts or be eaten alive. I haven’t even tried in 10 years. Hugely detrimental because this learnt irrationality includes the tax department who I don’t even know what to do about any more, compounding problem.

I turned superstitious and in these terms tried to get lower and lower level. I had a bag with every piece of paperwork ever and carried it with me every time that just got bigger and bigger for no reason. Horde everything you don’t know what you’ll need. Trial and error different phrases like they had magical powers. In a way funny at the time and still funny now not counting the stress and anxiety.

When people proverbially flip a table in frustration with technology I relate it to that experience and I think it fits pretty well. To me it’s bureaucracy to them it’s tech. I’ve had good success teaching people to use tech and in tech support and in event coordination by keeping this in mind.

Here’s another: a job I had changed to a certain digital system for job orders. Don’t worry they said, what you need will be printed by your manager. I said don’t you mean to say “should” be? What are we to do if they aren’t? If printed in advance can we be assured they’re not out of date? That won’t happen they say. It did happen. Failed after a week. Leaving us to nut it out, which we did. The old system had us doing that work so in the end nothing changed but it just got more complicated because new boss wanted some fancy thing to help him with 10 employees and the few things a day we did, it wasn’t Microsoft scale or something. Technology and damn computers copped the blame from the old fellas but it wasn’t really technology was it?

Edit: sorry I’ll add one more thing, the success I mentioned was mostly about being patient and going through what happens when something goes off plan. To the person saying they ask all the time left click or right click, show them both. I did mean left click but here’s what happens when you right click. See? It doesn’t explode, a menu just pops up. So it’s no big deal if you forget. Also: here’s the steps. Repeat those steps for me. Ok now I’m going to start you from a random area of the website, you have to get back to the starting place and then do the steps. Ok now a different place. So if that little print icon isn’t where you think it’s meant to be you’re just in a different area. It goes from being a rote series of steps to a basic understanding when you demystify and strip away consequence, including the shame of being of being an international level expert at something who can’t do something society expects as basic.

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