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Comment Re:Cash or checks from individuals (Score 1) 674

I haven't had a job in the past 20 years that couldn't do direct deposit.

My experience differs. Is an employer's insistence on paper checks worth changing jobs over? I know a lot of banks charge a monthly service fee for a checking account that has not had a sufficiently large ACH deposit in the past month.

Most ATMs around me have deposit features.

Same here. This works as long as 1. you're not trying to deposit coins and 2. your bank happens to own an ATM within reasonable cycling distance of your home. I can deposit checks and Fed notes into my Chase checking account at the local Chase ATM, but that wouldn't work so well if I were to open an account at an online-only bank.

Comment Re:Scanning checks requires a smartphone (Score 1) 674

You don't need a smartphone plan to have Wi-Fi on your phone.

But I'd still have to buy a $200 phone to be used only for scanning checks while I have a perfectly working HP scanner at home. I wouldn't even be able to use it as my regular cell phone because the CDMA2000 carriers won't activate a voice-only plan on a smartphone, and AT&T is notorious for cramming a data plan onto a voice-only SIM inserted into a smartphone.

I have an android phone and an android tablet. I've not seen anything that worked on only one.

I'm on Comcast at home, and the Google Play Store page for the Bing app says the following:

Asus Nexus 7
This item is not available on your carrier.

Bing shows as unavailable on the Amazon Appstore page as well.

Comment Re:Capital from luck (Score 1) 196

put's their ancestor's _previous work_ at risk. it's not risk-less.

His ancestor's work is not his own work.

Irrelevant -- guilt baiting is not a good argument strategy

I don't see how birth country is irrelevant. Someone born in subsaharan Africa or the DPRK is not likely to happen upon an opportunity to become a successful businessperson, no matter how much he works.

probably worked very hard for no income before being discovered

So if I work very hard for no income, how can I ensure that my working very hard for no income will help me end up discovered?

We can all be successful, with a lot of work and a little luck.

So how should one improve his career plan's tolerance for bad luck?

Comment Re:Inigo Montoya... (Score 3, Informative) 130

Yeah... I was wondering how to hook up the teletype and the terminal servers.

Through the Ethernet port, using SSH protocol. Ultimately, anything with preemptive multitasking and virtual memory can fill the role of a minicomputer. An 8-bit MCU is a micro, but a VAX or i386-family PC is a mini.

Comment Scanning checks requires a smartphone (Score 1) 674

My PC has a flatbed scanner. I called Chase, asking if there were some desktop application for depositing checks using a flatbed scanner, but they said it's available only for iPhone on the App Store and for Android phones on Google Play Store. And yes, it has to be a phone. I own a Nexus 7 tablet with a front-facing camera, but when I tried the Chase Mobile app, the deposit option didn't appear. Should a smartphone plan be considered part of the cost of doing business with a bank in 2013?

Besides, even if you do have a smartphone, a scanner doesn't help you deposit cash.

Comment People who prefer cheques because they're familiar (Score 1) 674

the last time I needed to pay some money to my Dad, I did it at home without writing a cheque and the money went into his account instantly.

For one thing, good luck explaining electronic person-to-person payments to a pensioner who prefers the familiar ritual of writing a cheque. For another, good luck satisfying someone who wants to be paid now, before services are rendered, not when you get home.

Comment Cash or checks from individuals (Score 1) 674

All my paychecks go straight in through digits from my company to my banks.

Some of my employers have been unable to offer payroll direct deposit. Their payroll processors could issue only paper checks. And that still doesn't help with depositing cash or checks received from other individuals, such as birthday money and repayment of short-term loans to family members.

There are many banks now that don't even have physical customer facing locations.

A number of banks have services that scan checks either in the ATM machine

I thought automated teller machines and the change counter in your primary bank were still "physical customer facing locations".

or even with photographic text messaging.

Oh great. Now I have to pay hundreds of dollars per year for smartphone service just to deposit checks.

Comment Capital from luck (Score 2) 196

when he invests, he is putting the fruit of his _previous work_ at risk.

Someone who happens to inherits wealth, happens to be born in the correct country, happens to be discovered by the right publisher, or otherwise happens upon a lucky break doesn't have proportionate "previous work".

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