I can’t believe this name wasn’t already taken.

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Joined 2 years ago
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Cake day: June 10th, 2023

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  • A good tailor can do amazing things, but there are limits.

    When it comes to tailoring, putting aside the quality of the suit (fused/glued canvas or not, among other things), the key thing you want as close to right from the start is the shoulders. Sleeve and jacket lengths are simple, neck and chest less so, but if the shoulder width is all wrong it’s a major undertaking to alter if it can even be done.












  • Bingo. It’s wild to me to hear other countries doing tons of their payments via apps. US is 10 years behind the rest of the world on that.

    We have things like Venmo and cashapp that approximate the same thing, but in the end it’s just the same ACH transfers the banking industry has used for 30 years and takes days to process. The apps just hide that behind the scenes. FedNow actually means instant and 24/6 (still doesn’t run on Sunday, if I recall correctly).


  • SMS. Universal and ubiquitous thanks to free or nearly free inclusion in phone plans. American English has no need for expanded character sets and carriers/Apple/Google have added just enough features on top that the vast majority of people aren’t left wanting for more.

    Instant payment was literally impossible until this summer, and given it’s so new almost no bank has support for it yet. Privacy/encryption don’t enter into most people’s consciousness.







  • usually a percentage of the amount this of the sale.

    It’s usually a percentage plus a fixed amount. Rewards cards and AMEX and Discover can be significantly higher than your bog standard bank account card.

    Here’s Squares rates, which flatten out all the variables to these standard fees. Traditional merchant credit card processing services pass on the exact charges based on the type of card, issuer, and entry method. I think AMEX was 3.5%+.

    The Square standard processing fee is 2.6% + 10¢ for contactless payments, swiped or inserted chip cards, and swiped magstripe cards. Payments that are manually keyed-in, processed using Card on File, or manually entered using Virtual Terminal have a 3.5% + 15¢ fee. Invoices cost from 2.9% + 30¢.