
How are unbanked people and those with cashless bank accounts expected to pay lawyers if the money they have for the lawyer is in cash?...

ah, thanks!
Thanks for the tip! But I’m a bit confused about what that place is. The pic on the landing page is certainly what I am after but I think that's just a recipe site, not a shop. I see no address and openstreetmaps does not have a shop by that name in Amsterdam.
(Amsterdam) where would I find malt vinegar, steel cut oats, Liquid Smoke, Flipperzero, Bus Pirate, and Mongolian Fire Oil?
I always have a hard time finding these things locally:
Any shops in Amsterdam worth a look?
Flixbus website becomes access restricted; trainline site has the same problem. (tor blocked)
Flixbus recently started blocking tor for some operations like seeing prices. The only alternative site for Flixbus price info is Trainline, as far as I know.
Are there others?
Then trainline started blocking tor. And (today?) Flixbus started blocking tor from the whole site (not just pricing info). Same problem for blablacar (blocks tor).
Anyone have a source for openly reachable Flixbus pricing?
EDIT: found wanderu.com
Price controls on drugs in Belgium affect non-prescription drugs
Riopan is an over-the-counter (OTC) drug that anyone can buy for stomach pain relief. Docs prescribe it, but the prescription is almost meaningless because it is not reimbursable. So the prescription only serves as a doc→pharmacist communication so the patient gets the right stuff.
20 sacs (10ml ea.) of Riopan is €8.95. Thus 45 €cents/dose. Bit pricey, no? So I checked a few places. All the same price and one pharmacist said the price is controlled on Riopan. No pharmacist can legally charge less than €8.95.
Yet this stuff is non-reimbursible. WTF? If a doc prescribes something, it means the patient needs it. If it’s needed, why would it not be covered?
At the same time, what’s the point in a price control on something that is unnecessary? This is bizarre, no? If medicine is needed, sure price controls make sense in a socialised medicine context to ensure equal access. But if it’s not reimbursable, it’s therefore treated as not needed, yet there are price controls which
Now illegal in Belgium for lawyers to accept cash payments, according to a lawyer. Thus, no due process for unbanked people?
How are unbanked people and those with cashless bank accounts expected to pay lawyers if the money they have for the lawyer is in cash?...
Glad to hear you can help drive that from the EU side. Until then, I will continue sending paper correspondence. It would help if more people would insist on paper correspondence to create a bit of motivation.
Banking tech experts: Cashback was refused at PoS terminals. Bank is possibly incompetent in investigating. Is my bank the problem, or the shops? EMV PIN expert needed…
A supermarket has a cashback option with a limit of €200. The cashier entered a cashback transaction for €100. I tapped the terminal using a non-SEPA card. Instant decline. We tried again, this time using the EMV chip. The cashier said enter your PIN. The terminal displayed the amount and said “press OK” (did not ask for PIN). Pressing digits had no effect. It was apparently only asking for confirmation not authentication. I pressed OK and got an instant decline with no reason given. Tried again, this time entering my whole pin even though the buttons had no effect, then pressed OK. Again declined.
It is bizarre that PIN was not requested. I think the cashier rightfully expected PIN entry because it was a 3-figure amount.
I went to an entirely different shop and asked for much less cashback. Same thing. Terminal just asked me to press OK then gave an instant decline. Then at that same shop I made a normal purchase without cashback, and it succeeded.
I asked the bank why I was
I don't know of any such law or even which organization would be able to make such a law.
Regulation (EU) 2021/1230 covers ATMs to some extent. I think there was a law even broader than EU law but I’ve lost track of it -- or just have a bad memory.
Fee structure is indeed extremely intransparent in most cases. Generally, I have too look up ATM fees in my online banking access and I never know them beforehand. Iiuc, your bank and the ATM-operating bank roll the dice to find out the fees they each want to charge as part of the process of handing out your cash anyway.
The fee structure is indeed very well concealed. Before approaching an ATM the fees are undisclosed and many ATMs demand your PIN as the very 1st step. It’s a shit show for sure. But at least they must inform you of fees before you commit to the transaction, per 2021/1230
.
In any case, no store wants to receive notes above €100 because politicians and media have successfully created mental associations between those notes and money laundry/corruption/organized crime.
Yeah I heard Germany has no cash acceptance obligation whatsoever, which by extension supports your narrative that they can be fussy about banknotes, as in France.
This contrasts with Belgium where brick and mortar merchants must accept banknotes. They can reject money that is disportionately sized if they want. E.g. they can reject a €200 note on a transaction of €20 but not on a transaction of €175. Or they can reject a shit ton of coins on a 3+ figure transaction.
I would say mostly true. And that much is driven by Regulation (EU) 2021/1230. If an ATM offers DCC¹, it must show the exchange rate and fees, and it must give a comparison to a non-DCC option, which must be offered (iow, there must be an opt out).
A common practice is to charge a flat transaction fee when DCC is not used, and to charge no fee when DCC is used, because the exchange rate is so terrible they are profitting hand over fist if you use DCC. But the ATMs often do not expressly state that the fee is waived in the DCC case -- they simply make no mention of the fee you would /otherwise/ pay had you not taken DCC. This is because (IMO) the ATM operator does not want users to relise that the exchange rate builds the fee into their fat margin.
I avoid DCC. But then my bank statement only shows how much was taken from my account in the account’s currency, not the ATM’s currency. The ATM receipt (which apparently does not exist in Germany) gives the local currency you pulled out. These two figures leaves you having trust them as far as the fees go. Some ATMs bundle the fee with the withdrawal amount and the drafting bank has no way of knowing what portion was for the fee. And of course neither do you, unless the machine properly informed you. But what if it didn’t? There is not enough information for the end customer to work out what the overhead was in some cases because the exchange rate applied by the account’s custodian is undisclosed.
¹ DCC: dynamic currency conversion
German ATMs do not give receipts. This goes against intl law, no? And what about fee transparency? Upside: they give big notes, but how do you know in advance?
German ATMs do not give receipts. This goes against intl law, no? And what about fee transparency? Upside: they give big notes, but how do you know in advance?
ATMs in Germany did not ask if I wanted a receipt. Then they simply neglected to print a receipt. I noticed one ATM did not even have a printer.. no slot to output a receipt.
Not too long ago I came across some international law regarding ATMs. One of the requirements was that ATMs provide a receipt. How is Germany getting around that law? Or did the law change?
Every ATM I have encountered outside of Germany (w/the exception of 1 machine) mentions a fee for non-SEPA cards, which is then printed on the receipt. The transparency is also an obligation imposed by international law. Is it safe to assume German ATMs do not charge a fee to non-SEPA cards? Or did I just get lucky on the ATMs I encountered? I think I once used an ATM in France which did not charge a fee on a non-SEPA card.. so they do exist but I’ve found it to be quite rare before traveling to Germany.
Ideally there would be a list of ATMs somewhere that are wholly fee-fr
Fight for ETS by sending snail-mail instead of email. Because almost all gov agencies in Europe use MS Outlook.
If you send an email to a recipient whose email account is hosted by Microsoft, or you share you email address with such entities, you are part of the problem.
I refuse to be part of the problem. So before contacting a recipient (gov agencies in particular), I do an MX lookup on their email address. It almost always points to MS servers.
So snail mail it is. Otherwise sending them email serves as a signal to the recipient that MS is okay for email.
What kind of European cuisine uses malt vinegar (besides UK)?
I cannot find malt vinegar in Brussels. I think it would help to know if there were a kind of cuisine that uses malt vinegar frequently other than British and American food. E.g. if the Japanese use it, then I could look for an importer that specialises in Japanese food.
Consider linking other free-world Belgium forums in the sidebar
Added to the sidebar....
What kind of cuisine uses malt vinegar (besides UK and US)?
I cannot find malt vinegar in Brussels. I think it would help to know if there were a kind of cuisine that uses malt vinegar frequently other than British and American food. E.g. if the Japanese use it, then I could look for an importer that specialises in Japanese food.
What kind of cuisine uses malt vinegar (besides UK and US)?
I cannot find malt vinegar in Brussels. I think it would help to know if there were a kind of cuisine that uses malt vinegar frequently other than British and American food. E.g. if the Japanese use it, then I could look for an importer that specialises in Japanese food.
(Beglium, Brussels) The city of Brussels gives Tor users a 403
A lot of useful information covering the city of Brussels is jailed. Apparently only clearnet users are allowed to access the website, AFAICT.
(Belgium) The eID authentication site blocks Tor, which has a ripple effect that blocks most public transactions in Belgium
If you need to do any kind of public administration in Belgium, such as perform transactions with city hall or the tax authority, for most uses you are redirected to eid.belgium.be to login using a smartcard reader. A PIN and eID serve as the 2nd factor when authenticating on this site.
But eid.belgium.be blocks Tor. Isn’t 2FA enough? Why would the confidence in their security be so low that they are skiddish about someone’s IP address? IMO it’s unlikely that their security confidence is that low. Most likely they want to track the IP address and thus day-to-day of every citizen. Otherwise it makes no sense for this service to block Tor, which mushrooms into being blocked from accessing many essential services.
This is why the right to be analog is important. I think someone in Denmark is working on that. Belgium has an org called something like the gang of angry elders working on the right to be analog.
(Belgium) The Data Protection Authority (DPA) blocks Tor
Irony indeed. The agency responsible for protecting people’s privacy in Belgium wholly denies people access to the website if they use Tor to protect their own privacy. The firewall simply drops packets which is even less dignified than a 403 error.
You cannot submit an electronic GDPR complaint over Tor, to complain about your privacy being undermined because the same people tasked with protecting your privacy also undermine it.
(EU) European Commission websites are a hit-and-miss rat’s nest of access 403 refusals to Tor users
There are copious hosts in the europa.eu
domain. Most of them rudely stonewall Tor users without explanation. Ironically, sometimes they are asking for public feedback on a privacy-related policy but then they block Tor users who would have the most insight.
Few examples of EC sites that are exclusive access:
Often an open access host links into commission.europa.eu, so people might be part way through a transaction and cannot proceed.
At least eur-lex.europa.eu is open access. That’s the most important one because it publishes enacted law. Yet commission.europa.eu is quite important so definately an injustice that that site is access restricted.
(Belgium) Senate website is in Cloudflare
senate.be is configured to push a broken CAPTCHA to Tor users.
(Belgium) The Chamber of Representatives website blocks Tor users and also blocks archive.org. Also the “open” data website is blocked to Tor users
I have not been able to track down the Belgian open data law¹ but it seems in principle blocking both Tor users and archive.org from access to the address book of Chamber of Representatives would not be in line with the spirit of open data. They may not have the IT competency to serve Tor users but ...
The Chamber of Representatives website is hard to find with a search. The first several pages are wikis and various pages talking about the chamber of reps, but not www.dekamer.be which was well buried, at least for me. This means it’s an unpopular website. Which suggests efforts to block access is less justified. Tor users are ignored and browsers time out. Also notable that the chamber of reps treats archive.org badly. This leads to a broken CAPTCHA:
http://web.archive.org/web/20250124121819/https://www.dekamer.be/
When people can’t even see an archive of the site, it’s an extra dose of disservice and non-transparency.
Belgium’s “open” data website is also closed to Tor users (timeouts).
FWIW the France’s open data website is open to Tor users, thus probably all users.
(Belgium) Belgian Institute for Postal Services and Telecommunications blocks Tor at the firewall
To Tor visitors the BIPT just looks like an offline/dead website. But it is reachable on archive.org. The 12ft.io service also reaches BIPT but PDFs are broken.
They claim to support “open data”. They have a separate website for that and it’s actually open to Tor users.
Thanks for the clarification.. that was a bit counter intuitive. I went back and approved the report.
I clicked “reject”, but it’s not even clear what that action means when I am looking at someone’s report that is attached to the alert. Does that mean I am rejecting the alert, or rejecting the content that is being alerted? It’s a shitty UI for not having any clarity on this.
Getting mod alerts for microblogs -- how does that work?
As mod of the Privacy mag I got an alert for this “thread”:
I don’t quite have a handle on k/mbin’s relationship with microblogs. Seems bizarre that (IIUC) someone somewhere in the fedi used a privacy hashtag, which was then enough for the status to appear in the privacy mag microblog timeline, which then leads to a mod having power over it.
What does it even mean to moderate that? I guess the concrete question is, if I press the “reject” button, what happens? Does that remove a copy of a microblog status that is cached on fedia.io? If yes, isn’t it strange that a mod has the power to cancel a microblog that happens to use a hashtag that incidentally matches the name of a mag that the mod controls? Or does it just remove the content specifically from the privacy microblog timeline, and not the timelines of other hashtags used in the same status (e.g. security)
Glad to hear that an app exists. But I don’t see Flutter in the Debian repos. If a framework for a platform is not in official Debian repos, that’s a bit of a red flag for me as far as maturity goes. Hopefully that platform will reach a point where the quality and momentum get it into Debian repos.
Maybe. But I hesitate because Brussels does not get much sunlight so I would need many panels. At the same time hail storms are common, which would likely reduce the lifetime of PVs.
I’m seeing the most mold on the plastic frame of the window. Seems strange that the mold finds food in plastic.
When I’ve got clothes layered on, what could use improvement is cold hands. I’m not going to type with gloves on but your suggestion could be a fix if I could mount a heat lamp above my keyboard but in a way that does not obstruct the screen.
(update) It has been done:
https://www.pcgamer.com/the-envavo-heatbuff-is-an-infra-red-lamp-to-keep-your-fingers-warm-as-you-play/
I have a dehumidifier but it consumes energy, which I think is ultimately going to come from Russia. Belgium is shutting down its nuclear power plants (2, iirc) and replacing them with 3 natural gas burning plants. Not sure about schedule.. maybe it already happened.
I didn’t know leaks exacerbated the condensation. I don’t think I have any noticeably big gaps but probably all the seams leak a bit. Maybe I should try to seal off entire windows with plastic film.
I have the problem on the inside of exterior walls around the windows, which are usually covered in water. The proprietary anti-fungal sprays work quite well for the cleanup, which I don’t do too often. I’ll just tolerate it until spring.
(deleted -- I wrote from the notifications timeline without context)
No, it must land on an account electronically, as directed using an IBAN. Post offices double as banks in Europe, so I brought up the post office because their banking service tends to cover this need.
(edit) but regarding your comment that no courier guarantees cash, I thought FedEx did and that people used FedEx for cash for that reason. But then there was a recent scandal in the US where a big FedEx hub allowed cops with sniffer dogs trained specifically to sniff for cash, and the police were simply confiscating banknotes without cause (arbitrarily without a crime). I have to wonder how the insurance claims play out in that case.
Do all accounts support cash deposits?
In Belgium, banks can refuse you an account for any reason unless you open a “basic” account which they cannot refuse. But cash deposits are banned from basic accounts (which is possibly a Belgian-specific constraint). What about basic accounts in Germany?
No, it’s nannying. When the hunt for criminals interferes with law-abiding people, it’s oppression.
Forced banking and anti-cash policy is definately something that varies from one country to the next. There is an “EU recommendation” that all debts be payable in cash. Belgium is not following the recommendation and it causes problems. Germany has a reputation for respecting people’s privacy, autonomy, and ability to use cash. Hence why I thought Germany might have a decent option.
You can make an account in Germany without being a resident, better try this
I do not want an account. I could fill a book with reasons.
Normally post office’s demand ID. I am fine with that as long as my ID is accepted (which I’m not sure if it would be if it’s not German, although in principle any EU resident should have equal access to any EU service).
i get error 500 when I try that link.
Yikes. I am disturbed to hear that. I was as well appalled with what I saw in a recent visit to a university. It’s baffling that someone could acquire those degrees without grasping the discipline. Obviously it ties in with the fall of software quality that began around the same time the DoD lifted the Ada mandate. But indeed, you would have to mention your credentials because nothing else you’ve written indicates having any tech background at all.
How have I made your point at all?
You have acknowledged the importance of having multiple points of failure. It’s a good start because the defect at hand is software with a single point of failure.
You're a bit incoherent with what you're talking about.
I suppose I assumed I was talking to someone with a bit of engineering history. It’s becoming clear that you don’t grasp software design. You’ve apparently not had any formal training in engineering and likely (at best) you’ve just picked up how to write a bit of code along the way. Software engineering so much more than that. You are really missing the big picture.
This has nothing to do with software design or anything else along those lines.
What an absurd claim to make. Of course it does. When software fails to to protect the data it’s entrusted with, it’s broken. Either the design is broken, or the implementation is broken (but design in the case at hand). Data integrity is paramount to infosec and critical to the duty of an application. Integrity is basically infosec 101. If you ever enter an infosec program, it’s the very first concept you’ll be taught. Then later on you might be taught that a good software design is built with security integrated into the design in early stages, as opposed to being an afterthought. Another concept you’ve not yet encounted is the principle of security in depth, which basically means it’s a bad idea to rely on a single mechanism. E.g. if you rely on the user to make a backup copy but then fail to protect the primary copy, you’ve failed to create security in depth, which requires having BOTH a primary copy AND a secondary copy.
This is a simple thing. If your data is valuable you secure it yourself.
That has nothing to do with the software defect being reported. While indeed it is a good idea to create backups, this does not excuse or obviate a poor software design that entails data loss and ultimately triggers a need for data recovery. When a software defect triggers the need for data recovery, in effect you have lost one of the redundant points of failure you advocated for.
When you reach the university level, hopefully you will be given a human factors class of some kind. Or if your first tech job is in aerospace or a notably non-sloppy project, you’ll hopefully at least learn human factors on the job. If you write software that’s intolerant to human errors and which fails to account for human characteristics, you’ve created a poor design (or most likely, no design.. just straight to code). When you blame the user, you’ve not only failed as an engineer but also in accountablity. If a user suffers from data loss because your software failed to protect the data, and you blame the user, any respectable org will either sack you or correct you. It is the duty of tech creators to assume that humans fuck up and to produce tools that is resilient to that. (maybe not in the gaming industry but just about any other type of project)
Good software is better than your underdeveloped understanding of technology reveals.
Thinking that a federated service is going to have a uniform or homogenous approach to things is folly
Where do you get /uniform/ from? Where do you get /homogenous approach/ from? Mbin has a software defect that Lemmy does not. Reporting mbin’s defect in no way derives and expectation that mbin mirror Lemmy. Lemmy is merely an example of a tool that does not have the particular defect herein. Lemmy demonstrates one possible way to protect against data loss. There are many different ways mbin can solve this problem, but it has wholly failed because it did fuck all. It did nothing to protect from data loss.
on your end and a failure of understanding what the technology is.
It’s a failure on your part to understand how to design quality software. Judging from the quality of apps over the past couple decades, it seems kids are no longer getting instruction on how to build quality technology and you have been conditioned by this shift in recent decades toward poorly designed technology. It’s really sad to see.