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Same here, using Alpine.js is a breeze and it made working on frontend fun again, everything is so easy and intuitive to implement and manage, even on large projects. It's definitiely my favourite frontend framework right now and a default for new projects.

I wonder how this will affect the burnout rate among IT workers in the long-term, which already was quite high. I guess a lot of people force themselves (or are forced to by their company) to use LLM in fear of being left behind, even if they don't enjoy the process, but sooner or later the fatigue will catch up.


Same here, still using Sublime Text due to its general snappiness, but can't wait for Zed to be released on Windows, it feels like a modern successor to ST that just keeps getting better.


You can browse through archived GeoCities websites on The Geocities Gallery [0]

I get a warm feeling looking through all these "home pages", they feel so much more genuine and personal than anything found on modern social media.

[0] https://geocities.restorativland.org/


I’m so sad that my page[0] never got archived… I started it in 1997, a few years before Yahoo bought it, and I think at some point I didn’t migrate the account or something, and it went away before anyone was really archiving anything on geocities.

- [0] geocities.com/Colosseum/Loge/3484, I’ll always remember the URL. It was a Detroit Red Wings slash Jimi Hendrix slash Smashing Pumpkins slash Star Wars fan page I made in 7th grade. I just kept putting more stuff on there.


I'm in the same boat. I think i was geocities.com/Soho/???? right when it came out. I had Red Sox trivia questions, and it was multiple choice. The wrong answers linked to wrong.html, and the correct answer linked to 1.html, then 2.html etc. Fun times being a kid on the information super highway.



I hope to find my page with a listing and reviews of 3D Video Accelerator cards, now known as GPUs. I created this in 1998 while in grade 10.


I absolutely hate subscriptions, I can't wrap my head around why people got so comfortable with allowing companies to charge their credit cards whenever they want, how much they want and how long they want.. Yes it's convenient, but there are so many potential problems - what if you loose access to your account and basically won't be able to cancel the subscription? what if company will continue to charge you even after closing your account? what if they accidently charge you for who knows what? what if you simply forget you even had a subscription?

I've had enough bad experiences with subscriptions that I avoid them at all cost, just to give an example - I subscribed to a popular streaming service because I wanted to watch a movie that was only available on their platform. I immediately canceled my subscription so it would end with current billing month, but to my surprise when I checked my credit card history several months later I've noticed an additional charge that was around 10x what I paid for the one month of subscription! I emailed them and they answered me that "it was some kind of mistake" and refunded me, but it made me realize how dangerous subscriptions are.

Subscriptions should be able to be paid by invoices - you receive an invoice before next billing period and if you don't pay, account is locked, but of course that would give user too much control over their spendings and companies clearly don't want that.


Some counterexamples, subscriptions that I and others are happy to pay and which tend to provide a worse experience when funded any other way:

* Email provider.

* Online Newspapers.

* Heavily online collaborative SaaS.

* MMO games.

The common thread is that the alternative funding model can't usually be a one-time purchase because the product is delivered over indefinite time, which leaves some combination of ads and microtransactions as the remaining viable funding models. Given a choice between the three, subscriptions have reliably produced the best experience for me as a user.

Obviously, I'll heartily agree that subscriptions are overused and abused (I'm looking at you, car manufacturers), but I tend to take a more measured approach than avoiding all subscriptions of any kind. And I would absolutely hate to receive and manage invoices for these things.


Yes, I'm highly skeptical of subscriptions, but there are obviously cases where they make sense (and I work for a SaaS company so it'd be pretty hypocritical if I said the never do). I subscribe to a gym and actually go regularly as an example. I'm slightly on the fence about music - it's nice to be able to own the file in such a way that no one can ever take it away, but the convenience of Spotify is impossible to match and I sometimes subscribe.


I love the idea of owning my own music and I own some but Apple Music allowed me to discover so much albums I love that it makes it impossible to buy them all. For the price I paid over 10 years of subscriptions I might have bought them all but the subscription is what allowed me to discover them in the first place …


   > but the convenience of Spotify is impossible to match and I sometimes subscribe.
Pratically speaking, what does it mean to "sometimes subscribe"?


The way I handle any streaming video subscriptions is:

- Have a list of stuff I want to watch.

- Once the list has enough on it from any one streaming provider (Netflix, Apple TV+, HBO, etc), I activate my subscription on that service, pay for a month, and immediately cancel.

- Use the month of access I just bought to watch the stuff.

- Continue with whichever service "fills up" next at some point in the future.

This method results in me typically buying a month of access on the usual suspect services once per year or so, and I never pay when I'm not actively using the services.


If I don't use it for awhile, then I unsubscribe. If I find myself in a situation where I'll potentially be listening to a lot of music (recently it was a road trip), then I'll re-up it. If they send me a good deal and I notice it, then maybe I'll re-up then. Given the cost, it probably doesn't matter, but as I said I'm very skeptical of subscriptions.


Subscriptions should be able to be paid by invoices - you receive an invoice before next billing period and if you don't pay, account is locked

This is exactly what I do with my business (RadioReference/Broadcastify). If you have a premium subscription, you can pay with a credit card, but we do not auto-renew subscriptions. We'll simply send you an email 7 days before your subscription is about to expire, and if you want to renew it, you go ahead and submit a new payment.

I've been told by a number of PE firms and others that I'm missing out on significant revenue, and I KNOW that is probably the case, but I just cannot gather enough energy to climb that summit and commit my users to such dark patterns. Even in the face of clear and concise evidence that my revenue would probably increase >20%, I'm more afraid of the loss of customer goodwill, and chargebacks that would occur. I can simply look at my own rage when I see dark patterns that extract money from my pocket.

Sadly, it's one of those things were if your business is in a crowded space of players, the ones that do participate in the dark patterns will earn more money, which leads to more funding, which often leads to winning. So most companies don't have a choice but to foist dark patterns like auto-renewals on their customers.


I experience this recently. I had to go cancel my Tivo subscription when I ended my cable service and the website didn't have the button it was supposed to have to let me cancel it. Support was obtuse and unhelpful all around, simply replying with a link to the documentation saying to click the button that didn't exist.

Luckily, I'd been experimenting with privacy.com at the time I signed up, which lets you general card numbers for use with specific services and that's what I used for my Tivo subscription...so I was able to just go cancel that number.


Warning: sometimes if companies persistent at stealing your money I’ve heard that they can still manage to charge your card even if your privacy card is disabled. That’s what I’ve read somewhere, maybe even here on HN. But still, I also use privacy.


Canceling a credit card does not legally get you out of an obligation to pay. The only question is what is in the fine print of the subscription contract, if the company is willing to pursue it, and if the contract will hold up in court. Nothing about the credit card/payment info no longer being valid invalidates a contract in general - and in some cases you will be liable for their efforts to get payment if the card on file is no longer valid.


> I’ve heard that they can still manage to charge your card even if your privacy card is disabled.

Yup, privacy allowed a company to charge me fraudulently.

Their response was basically: "We have standards for disputes with our card networks and you have no evidence that you didn't purchase this, so we won't be allowing you to submit a dispute."

Yeah, I didn't have evidence that I didn't buy a random charge that I knew nothing about aside from the "retailer" and the dollar amount...


Call your CC company fraud office. They'll find that button pronto.


> what if you simply forget you even had a subscription?

Others have addressed your other points, but this one is where I roar. As a very frugal and paranoid guy, I watch my credit card activity like a hawk - like twice daily. There is no way in hell I'd simply "forget" that I'm paying for something. This idea evokes one of those "how do people live like this" reactions from me.

If there is a transaction against my credit card I don't recognize, an outgoing check i didn't write, a charge that doesn't match what was on the receipt, an interest deposit that doesn't match what it should be, and so on, I know within the day, not within a few months, and can take action.

And the best part is: It's not a lot of work. Get something like Quicken or one of its alternatives, which can connect to all of your bank accounts and credit card accounts at once, and simply hit refresh once a day while you're drinking your morning coffee. You'll find you're much more on top of things just by doing that simple thing.


> but there are so many potential problems - what if you loose access to your account and basically won't be able to cancel the subscription?

What do you mean by "basically"? You write a mail.

> what if they accidently charge you for who knows what?

Then you write a mail. Businesses are not all that keen on manually resolving issues like this, so they will try to avoid them.

> what if you simply forget you even had a subscription?

Yes, not using the things you paid for seems something you would want to avoid, in one of two ways. This is not a subscription problem.

> Subscriptions should be able to be paid by invoices - you receive an invoice before next billing period and if you don't pay, account is locked,

Why should the service provider hope for your compliance to pay for an already rendered service?

These hypotheticals seem awfully contrived.


>> Subscriptions should be able to be paid by invoices - you receive an invoice before next billing period and if you don't pay, account is locked,

>Why should the service provider hope for your compliance to pay for an already rendered service?

1. No one implied that they have to provide you a service first before you pay. OP said "invoice before next billing period". I.e. if you don't pay before the next period starts, you don't get access to the service. I don't see why this is that hard. This purely serves the provider offering the service which somehow wants to put you in some sort of contractual month to month contract as opposed to "pay before you get access" model.

2. You could turn it around: "Why should the payer hope for the service that's already been paid for?" There are contracts and norms for starters. The "subscription arrangement" makes it entirely the payer's problem to cancel the service, or to keep track of it's lack of usage (the Gym membership model). One can definitely argue that it's predatory, and certainly so if it's combined with how difficult it sometimes is to cancel subscriptions.

>"What do you mean by "basically"? You write a mail."

This is never that simple, your hypothetical "they're reasonable and respond to reasonable email requests" is not how it works in practice. Past a certain growth size of the provider, there isn't even an email address you can email that's actively monitored and actioned.


> These hypotheticals seem awfully contrived.

Well.. they're not. I've first hand experienced "what if they accidently charge you for who knows what" as I mentioned in my example and I recall many, many stories on HN regarding problems with subscriptions related to these "hypotheticals". Not to mention that the "what if you simply forget you even had a subscription?" is probably the most common, I doubt most people periodically check their credit cards history and given how many subscriptions an average person have, it's way too easy to forget you've subscribed to something - maybe in a heat of a moment or for "free trial" that required your CC and started charging you once the free trial expired.


Yes, in theory, you write an email. But in practice, most of the big companies do their best to hide any human-observed mailbox behind a quick and sloppy "customer support FAQ with a useless search bar" page.


> Yes, in theory, you write an email.

You are misreading it. Not an email. A mail. The paper variant. And depending on the rules of your country you often want to do that as "registered mail". Again this changes jurisdiction by jurisdiction but where I am from registered mail is useful to show others that you tried to contact them. With regular mail they can just say "so bad, so sad, the dog must have eaten it". With registered mail there is (sometimes and again depending on your jurisdiction) as "assumption of receipt".

> hide any human-observed mailbox behind a quick and sloppy "customer support FAQ with a useless search bar" page.

These are companies. They have offices and staff. The business world runs on official correspondence. The governments and courts for sure don't send them messages via a chat box.

They don't want you to use those channels because it would be too costly for them. But if they truly dropped the ball as the OP's comment implies you can do that.

Plus you can always call you bank and say "hey there is this money taken from my account. I don't recognise it. Can you tell me what is this?" And they will give you how you can contact the counterparty to dispute the charge.


How much is your time worth? $5/hour? $50/hour? $500/hour? More?

How much $$$ is being fraudulently extracted from you that you're willing to go to these lengths?

I am reminded of a quote from Voltaire:

"I was never ruined but twice in my life. Once, when I lost a lawsuit, and once when I won one."


You write an email is so last century. These days it's:

"You hopelessly try to get any contact info out of the company's chatbot and fail. If there even is a chatbot. Then you post your problem on the web and submit it to HN and hope it makes the front page."


A virtual debit card service like privacy.com lets you create a card for each subscription, limit how much per month can be charged, and end the virtual card at any time.

By default the card will be vendor locked, meaning once a company makes a charge to the card then only that company will be able to do so.

That said, doesn’t solve the issue of everyone wanting subscriptions. A few $5-$20 here and there will quickly rival a utility bill.


Sure, you can use PayPal as well (which I do when I really need to pay for a subscription), but that's just a solution to a problem that shouldn't exist in the first place - I get it that some people like the convenience of automated reccuring payments and that's fine, but it shouldn't be the only available option to pay for services.


Totally agree! There should be more flexibility to accommodate different preferences and concerns regarding payment methods.


That's not less hassle than getting an invoice and paying it.


A subsrciption to manage all your other subscriptions?


Sound counterintuitive yet can actually be a valuable service


Privacy.com was free last I checked.


Anything delivered as a subscription that does not have correlating employee and infrastructure expenses for the business is just a trick to get you to overpay & support an otherwise unprofitable business idea.

I am thinking, particularly of these asset / resource libraries where you try to purchase one thing for a project and they say “hey subscribe for monthly access to all our assets”. That’s never a good value.


Invoices are too high friction, both for the user and the business.

You just need a central tool to manage your subscriptions without all the dark patterns, where you can be sure if you terminate the subscription you 100% won't be billed again.

Also, pay as you go business models are great, but more work for app developers, so there'd need to be a good tool to make that easier.


> You just need a central tool to manage your subscriptions without all the dark patterns, where you can be sure if you terminate the subscription you 100% won't be billed again.

This is why I like to pay via Apple App Store.


This could be extremely easily solved with legislation. Just have a law that says you must be able to cancel a subscription exactly as easily as how you signed up for it.


I don't know about other places, but I'm pretty sure there are laws to such an effect (or similar) in the EU.


Laws don't do much if they are not enforced. As is the case with this law. Regulations on anti-consumer behavior are very poorly enforced, and there's often in practice no penalty for violating them.


> and there's often in practice no penalty for violating them.

This is the crux of the matter. The laws are too weak. If the law said that that in addition to a refund there was a mandatory $100 compensatory payment due for every payment taken improperly (eg. every payment taken while unsubscription using the same method didn't work) then you'd have a few activist consumers waiting five years, recording the evidence and then demanding $6000. The problem would disappear overnight.


I wouldn't be so sure. E.g. EU mandated substantial compensations for delayed or cancelled flights. In practice the airlines typically just refuse to pay. You can contact an ombudsman that can sternly suggest that they pay, but not actually make them pay.

Of course you can take it to a court, wasting countless hours of time and risking tens of thousands in legal fees if you lose.


> wasting countless hours of time and risking tens of thousands in legal fees if you lose

That's a huge exaggeration. For example in the UK (not in the EU now I know, but roughly the same and I know the system better) you're looking at risking under £200. The loser will pay the fees. If you're certain that you're owed compensation under the law then there's little risk to take.

Source: https://www.moneysavingexpert.com/reclaim/small-claims-court...


Doesn't California already have this? I've heard the trick is to VPN to California and magically the Cancel button exists on the website now. Never tried it though, I'm also mostly allergic to subscriptions.


You understand most SaaS companies are global, right? This isn't a problem only impacting 5% of the world.


Same comment, different conclusion. Being international, it will be difficult to enforce those laws when the business and client are in different countries. Even if different countries implement similar laws, they will invariably be just that: similar. Altruistic small businesses will have difficulty with compliance because it is an additional burden they must handle. Then there is malicious compliance. Too many businesses are willing to distort the intent of the law if they can find some sort of loophole.


How is it difficult for an altruistic small business to offer a prominent "end subscription" button? It's only hard to cancel most things because businesses purposely make it difficult.


When there are no laws regarding it, it is quite simple: you add the prominent end subscription button. When you are dealing with the laws of one jurisdiction, you (or your lawyer) review the law to ensure you meet the definition of prominent, are using the correct language, etc.. Multiple laws in multiple jurisdictions: not only is it more time consuming to ensure compliance, you better hope the laws don't conflict (otherwise the complexity of the solution is going to climb rapidly).


I see this same argument presented by grandparent trotted out when people argue against including tax and fees in the price in the States. Australia and NL manage this just fine, and somehow multinationals and small businesses manage to conduct business that follow these regulations in these countries while still dealing with a patchwork of country and region specific enforcement regulations. And the example I gave is more difficult than adding a cancel subscription button.


And? Every country can pass its own legislation, which may also (but is not required to) be in the form of a joint agreement to harmonise laws to make business requirements simpler.

It doesn't matter to any single subscriber if two different countries happen to be in sync or not.


> You just need a central tool to manage your subscriptions

So... a bank?

The US's inability to forbid companies from stealing people's money is a pile of bullshit that makes the lives of everybody all over the world harder.

(Or maybe, that's a good opportunity for competing with them.)


In an idea world, something like a bank. The problem is that banks have services and structures designed to enrich the bankers, not be useful to their customers. This sort of stuff isn't worth their time, and the digital banking infrastructure is too much of a mess for apps built on top of it to really shine.


I have a really hard time matching your stated inevitability with the fact that my bank has had that exact kind of service since I have bank accounts (all of them, except Citibank that I tried once... so all of the local ones).

But, of course, they don't interact directly with the US banks.


That's called PayPal


I have a very simple approach to evaluating if a subscription is worth it: I multiply the price by 20 times the annual cost [1]. If it is monthly, that is 240 times. If that is too hard for quick mental arithmetic, 250 is pretty close (divide by 4, multiply by a thousand). $12/month? That is almost $3000. It may seem extreme, but it's not. That is the real cost to your wealth over time.

[1] Net present value [2] of all future payments with a 5% discount rate. 5% is not scientific or anything. This is just a rule of thumb.

[2] https://en.wikipedia.org/wiki/Net_present_value


Most egregious thing I’ve recently discovered is the partnerships with the card issuer so that if you cancel a card, the subscriptions can automatically follow you to the new CC number.


It is a standard feature that all card networks have provided for a very long time and is known as the «recurring payment» flag on the card charge that follows the card account number, not the card number (both may or may not be the same).

Originally invented as a convenience feature to free up card users from having to update payment details every time when the card expires, gets lost etc, it has also been abused with nefarious intentions by subscription providers as the only way to stop recurring charges is to contact the service provider which is disinclined from letting a customer go. Banks are bound by card payment networks terms and conditions to honour the recurring charge flag and are not empowered to remove it at the customer's behest.


I am going to both agree and disagree.

For the most part, I definitely don't want a subscription since I want to keep the product indefinitely, don't want to deal with recurring fees, and don't want to see stuff that I am interested in disappear (whether it is the rotating licensing agreement for IP on streaming services, or a feature vanishing/moving to a new tier in a software update). Then there are issues with automatic billing, sometimes due to the mistakes you mentioned and sometimes due to hostile terms in the EULA. That being said, one has to be careful with credit card purchase even if they aren't recurring.

Yet there are also products that I don't want to purchase outright. Streaming services are appealing since they offer access to a large library. Few people would be able to afford purchasing everything they use. Even if they could afford it, they may not want to manage an accumulating pile of stuff that they will use only once or twice. While I am thinking of streaming services, I would imagine that the same would apply to software for some people.

Someone mentioned that your suggestion would offer too much friction. I don't really see that being the case. If you're subscription ends on the 15th of the month and you log in on the 20th, they can simple present one-click dialog box offering a renewal. If you don't want stored credit card information (either as a business or as a customer), it looks like the major browsers handle storing credit card information on the client's side. (Note: I don't know how reliable or secure this is since I don't use it, but I have seen the feature in multiple browsers.)


The subscription model offers significant convenience, particularly for services that provide ongoing updates and support. But it does have some cons! I was dealing with potential access issues.


> I can't wrap my head around why people got so comfortable with allowing companies to charge their credit cards whenever they want, how much they want and how long they want

You’re not alone. There is a race to the bottom on exploiting these deficiencies on careless/unknowing/impulsive customers. But there’s a growing number of opposite people like you and me who are avoiding subscribing because we anticipate the dark patterns, and that’s lost business. By the time the marketing departments will wake up to the reality that people avoid subscriptions even if they want the product, they’ll be faced with an insurmountable reputational barrier for entire cohorts of users they will be desperate to convert.

Tangentially, this is related to a beef I have with Apple. Their IAP system as middleman for purchases (but especially subscriptions) is worth a lot and cheap to maintain. I already trust them much more than a random SaaS (might even sign up for NYT if I’m confident I can cancel with a click later). In other words, they’re providing huge value, BUT they refuse to compete on fair terms. Their obsession with the 30% tax have pushed the market to do business outside of their App Store (which reduces their market share and fragments the UX), and even created massive badwill to the point of upsetting toothful regulators. They could have avoided all the tantrums and fighting, made a shitton of money in the long run, increased their market share, if only they hadn’t been stuck in the last decade first-mover monopolistic mindset.

EDIT: The more I think about, the more I realize how good Apple's (and maybe Google/Android to a lesser extend) position is. They're sitting on low-fraud rate one-click payment access with biometric verification, with a verified customer region, prefilled info, etc. They're a merchant's dream, and yet they're scaring everyone away with their short-sighted greediness and erratic rules of engagement. On the open market, an MOR (Merchant of Record) like Paddle lies at around $1 + 4%. Apple could easily add another 5% on top and people would pay for it, happily. But no, they insist on clinging to the past.


> Their obsession with the 30% tax

> On the open market, an MOR (Merchant of Record) like Paddle lies at around $1 + 4%. Apple could easily add another 5% on top and people would pay for it, happily.

Apple charges almost every developer 15%, not 30%. The only developers who pay 30% are the ones earning more than a million dollars per year through the App Store, for things that aren’t long-lived subscriptions.

15% isn’t quite as low as you’re suggesting, but Apple are a lot closer to that than to 30% for almost all developers.


Apple are the ones responsible for a lot of this subscription nonsense. They went around (had meetings with top devs) and convinced developers that they should switch to a subscription model. That's about when the narrative of the starving software dev came out as well.


Subscriptions existed before Apple and trying to put the genie back in the bottle is an entirely separate discussion. The point is about how subscriptions could be better for everyone.


> what if you loose access to your account and basically won't be able to cancel the subscription?

write an email or a letter. if they don't react, see below

> what if company will continue to charge you even after closing your account? what if they accidently charge you for who knows what?

file a chargeback request

> what if you simply forget you even had a subscription?

well yes, if you can't manage your finances properly to the extent that you miss a regular payment, then maybe you shouldn't use a subscription. or credit cards in general.

---

I personally never had any issue around any subscription that I pay for. I would totally understand if you asked for the option to pay by invoice, but personally, I hate paying bills manually, so I'm glad that there are subscriptions for most recurring services.


I too always hated paying bills manually but finally stopped and went to automatic online payments after my mortgage payment twice arrived late — incurring a late fee of $55 each time — even though I'd mailed my checks two weeks in advance of the due dates.

Charlottesville, Virginia, where I live, has been plagued by undelivered/late mail for many years, to the extent U.S. Senator John Warner personally intervened on several occasions to try to fix it — without success.

After I switched my mortgage payment to automatic withdrawal from my bank account I was so pleased at how frictionless it was that I changed ALL my monthly check payments — Comcast Internet+XfinityTV/AT&T/electricity/water/trash pickup — to automatic credit card payments.

So much better now, plus I no longer need to buy stamps on a regular basis.


Yes, I didn't clarify that I would want an option to pay for subscriptions by invoice, not to get rid of automated recurring payments. Let's be honest - the only reason companies won't do that is because it's not in their interest, similar to the right to repair.


Well I have several bank accounts (in the same bank, for convenience). The one attached to the debit card I use for subscriptions has usually very little money in it. Enough so I can forget a month or two about the payments but unless I explicitly transfer money in it, they don't have what to charge.

In the end I still have too many subscriptions that I lost track of but worst case, I just nuke the account and I'm free of leeches.


A debit card linked to an account with insufficient funds in it is not a sustainable solution with many banks as many of them will honour the transaction (usually within a small limit, e.g. ⩽ $50-100 but can be more), AND will apply the overdraft fee, plus the interest on the overdraft until it is paid off. Banks love shady charges, and it is a source of substantial revenue for them.

You are simply lucky if your bank bounces a transaction instead of slapping you with the overdraft fee.


> many of them will honour the transaction

What country? I'm not aware of any banks that will honour transactions on a debit card with zero funds in my country.


It has nothing to do with the country, and it has everything to do with: 1) the transaction type, and 2) personal wealth.

Transaction types. There are two: a) customer present, b) customer not present. Instant electronic funds transfers fall into (a) and are almost always declined, with the caveat. The caveat: you are overseas, the payment terminal has captured the card details, dispatched them the local/nearest payment processing centre, then something has fallen apart and the acquiring bank (i.e. your bank) could not be contacted. It is a rare situation nowadays, but it can happen nevertheless, and the transaction may be honoured. Most merchants don't bother with it, though, and they will simply produce a «payment declined» receipt instead. But if not, such a payment can send a card account into overdraft irrespective of whether your local bank advertises it or not.

Customer not present. This has i) online transactions (e.g. purchases over the internet) and ii) completely offline transactions. The handling of the customer-not-present-online-internet transactions is done solely at the discretion of your bank. Typically, a random purchase will be declined, but a recurring payment may be honoured. Completely offline transactions are very rare nowadays, but they still can take place, e.g. on a flight when the plane has lost the internet connection – the flight attendant will promptly return, produce a mechanical contraption and take a slip of your debit card, provided the card details are embossed on it. If they take a slip, the payment networks do mandate such a payment to be honoured, and a cheque account that is linked to such a debit card will go into overdraft. It is non-negotiable, independent of the country and is mandated by the payment netowrks.

Personal wealth. Your bank continuously monitors the in-flow of money into accounts you hold with them as well as the expenditure and the class of merchants you spend your money with. Depending on which one occurs first, e.g. you reach a certain income threshold (undisclosed and defined internally – by your bank), you may get the overdraft automagically allowed on the account your debit card is linked to. There are no specific rules as to when it is going to happen and what is the selection criteria for such a thing to happen – it is solely at the bank's discretion.

All this stuff is somewhat obscure, yet it is real and is entirely independent of country borders and the local legislation.



At least where I live, I have to specifically request enabling of overdraft (of course they would love me to do so), but I ain't doing that. So with a debit card, I'm safe.

Banks lure you with credit cards and overdraft on debit cards (which in turn turns it into credit). If you can resist that you're in a much more robust position than otherwise.


I know the term. But in the days of instant electronic transactions it's useless except as a way for the bank to get some undeserved fees. And where I am it's never on by default.


It should really be federally mandated that card issuers maintain a webpage with all your recurring subscriptions and give you one-click access to cancel.


Your contract, and hence obligation to pay, is with the service provide not your bank. Requiring banks to integrate with any company’s subscription terms seems unduly burdensome and impractical.


Having a list of allowed recurring payments for your card is not an impossible requirement. Ability to cancel approval on your side would not be too complicated for the bank and would be very useful even without integration with other side to really cancel the subscription.


That sounds like tortious interference. Or maybe they'd get away with it since technically they're only providing the means for the customer to violate their contract at the click of a button. But anyways, cancelling your payment without cancelling your subscription doesn't actually save you any money unless the service provider chooses to immediately cancel your account in response.


Nonsense. You also have a card holder agreement with the credit card issuer and as you know they can already decide to stop conducting business with a certain merchant. So they absolutely have power in the setup and they extract healthy fees from each transaction.

This is very possible and fits the spirit of recent regulation towards “making it as easy to cancel as it is to sign up”


> what if you simply forget you even had a subscription?

Isn’t that the business model of a lot of businesses these days, specially junk apps and gyms?


It’s not “these days”

there was a famous scene 25 years ago in Friends where one of them wanted to “quit the gym”

These models have always existed.


A number of those issues are present even without subscriptions. For example, let's say you take it back to 2003, and buy Photoshop outright instead of subscribe. $700 piece of software, but when your computer dies and you need it on a new system, can't find the license key?


> A number of those issues are present even without subscriptions. For example, let's say you take it back to 2003, and buy Photoshop outright instead of subscribe. $700 piece of software, but when your computer dies and you need it on a new system, can't find the license key?

This is the same with losing anything of value. It's called a valuable lesson.


Possibly just a nitpick, but back when Photoshop had permanent licenses did the terms (and the software itself) allow customers to make functional copies (with the one license key, I mean) and store the copies elsewhere?

For me, the lesson is: use free as in freedom software over proprietary software whenever practical.


I was writing a contrasting view re:invoicing that ended up convincing me that you were entirely correct. If you lead with that last paragraph it would probably be sufficient to secure my vote for whichever office you were running for.


> I can't wrap my head around why people got so comfortable with allowing companies to charge their credit cards whenever they want, how much they want and how long they want.. Yes it's convenient

It sounds like you do understand it.


Periodically I review my bank statements and account settings to ensure I'm only being charged for services I actively use and want. Coz I had similar problem. Yet the subscription model offers convenience still.


>can't wrap my head around why people got so comfortable with allowing companies to charge their credit cards whenever they want, how much they want and how long they want..

So, you hate payment methods not subscriptions


[flagged]


As far as I know Adobe was a billion-dollar company decades before forcing subscriptions on users


Ironic quip:

The guy who apparently got Adobe to switch to subscriptions was on the Hacker News cofounder matching, claiming that as one of his big accomplishments. I almost wanted to try and match with him just to impart the magnitude of the pain that decision had caused in the user community, and how it ultimately has opened the door for photoshop competitors even if it has juiced short term profits. Definitely a short sighted business move that is going to eventually end Adobe's market dominance.


Poppycock. We gladly buy payed upgrades. If and when we deem it worth it.


As far as I know, Jetbrains, HashiCorp, SublimeText etc. has not yet gone bankrupt.

When a product(or service) generate real value, people will happily hand over their money. The only people having issues with giving away something free are mostly generating negative value overall in my experience, hence they need dark patterns.


Jetbrains is subscription, at least if you click on 'store' :)

Only if you click much further you find out that you retain the rights to the last major version. If that's still true.


What? What you replied to had nothing to do with ‘not paying,’ or ‘getting things for free,’ it only discussed their dislike for the subscription model.


I recommend The Geocities Gallery [1] to go back in time and experience the 90s web yourself, there is something beautiful about all these personal web pages. Each one has a distinct look that alone can tell a lot about the author's personality, usually contains some bio info together with several random personal pictures, lists of recommended links with short descriptions, loose talk about their hobbies and so on - it's just so personal and calming, a striking contrast to today's social media where each profile page looks the same (bland and boring), with overwhelming, ever growing amount of content and a pressure to maintain a certain image of one's life.

[1] https://geocities.restorativland.org/


Man, thanks for the rabbit hole. I spent a while there, both trying to find my old site (I don't recall which directory under Area51 it was in, and it may never have been archived) and just reliving it.

Memory is weird. Somehow viewing Geocities made me recall the smell of the old internet. Probably just the smell of the family room where the computer was.


I remember using the brick background from windows, combined with transparent GIF graffiti in the mid 90s to create a pretty cool effect.

Early efforts from the BBS art groups like ACID, ICE, FIRE etc was also very cool at the time.

Anything more advanced prior to IE5/6s dominance was relegated Flash though. I built a framework similar to React around E4X in the early 00s. ActionScript/Flash/Flex, Mozilla/Netscape supported it and VB.Net's XML literal notation was similar.

MS and Google wouldn't adopt it and then JSON became king.


I bought CX-3 5 years ago and it's a really fun (and reliable) car to drive and I say that as someone who previously was daily driving a sporty roadster for many years :-) Unfortunately they stopped producing the CX-3 line and replaced it with CX-30 which is very similar, but I prefer the look of CX-3..


Note that there's also a less known type of Acid Reflux called Laryngopharyngeal Reflux (LPR), also known as Silent Reflux, which doesn't manifest with "usual" symptoms like heartburn or a sour taste in mouth, but instead with symptoms like sore throat or hoarseness. For a long, long time I didn't understand why so often after eating my throat was full of phlegm and I had to constantly clear it, I thought it has something to do with paranasal sinuses because I rarely experienced symptoms commonly associated with Acid Reflux, but after some research I found out about the Silent Reflux so I modified my diet and the symptoms mostly disappeared.


I battled what I believe to be silent reflux for years. For me it started out as a weird persistent sore throat. Then after months I started getting bouts of nausea and a feeling of swelling in my ears and throat. After a lot of doctor visits (who kept repeating GERD) and various medicines, I totally gave up coffee. It wasn’t immediate but after a few months I felt better and after a year I was totally back to normal.

In case someone out there is searching for a success story.

It was really hard because nothing worked immediately. I still can’t be completely sure it was the coffee but I feel better now and will never go back to try again.


I have a little bit of silent reflux, and it will cause me to gag occasionally. I definitely attribute it to coffee + alcohol. While I've cut alcohol down dramatically, I've also tried lowering the acidity of coffee, using darker roasts, adding more water, seems to help a little.


Lots of internet recipes to add baking soda to each cup of coffee or even your batch of coffee powder, to improve both taste and acidity.


Ugh, I’ve had this for over a decade. It’s a real bummer. Unfortunately, neither diet nor medicine seems to help mine, so I just constantly feel like I have a mild cold, even if I’m not eating anything.


I had (have?) this, too. I went to my doctor because I was clearing my throat all the time. This was the diagnosis. This actually scares me, because I believe it's likely (I'm not a Dr, so this is a guess) that having silent reflux for a long period of time could cause esophageal cancer.

I understand there's lots of caution in this thread about about this paper/post. It's definitely worth a try and it seems like there couldn't be much of a downside.


I’m pretty sure I’m suffering with that. Sore throats so bad I can’t sleep. Mucus feeling at the back of my throat.

It seems to goes away if I use Gaviscon, have my last meal at 5pm and avoid spicy/fatty foods.


> Mucus feeling at the back of my throat

This is a textbook GERD symptom for me... took me a long time to recognize it as such, because I thought it was just a post-nasal drip, but it was so bad it would wake me up in the middle of the night.

Drinking a couple sips of Alka-seltzer always fixes that choking feeling and lets me fall back asleep.


Ive been wondering if I had this, since i get cold symptoms and my gf that i live with never seems to catch them.


How did you modify your diet?


Diet in GERD/LPR is a quite tricky and complex topic, when you start reading what types of food and drinks should you avoid it can easily overwhelm you, because besides obviously unhealthy stuff there's also a lot of healthy stuff (including many vegatables and fruits) that you should avoid and a lot of "basic" things that many people will find hard to eliminate like chocolate, coffeine, milk, cheese, butter, pepper, mint and many, many more. The thing is that there are certain types of food and drinks that will most definitiely cause acid reflux in anyone with GERD/LPR, but there's also a lot of stuff that possibly could cause acid reflux, but you must check yourself if it's good for you or not. Personally in my diet I have heavily reduced stuff like whole milk, cheese, eggs, pepper, chocolate, onions, lemons, oranges, tomatoes (including ketchup), anything spicy or fried, soft drinks - at first avoiding all that stuff is burdensome, but with time you get used to it.


Some of the complexity (I think) is that there are at least two different things going on:

Some foods might increase the extent to which the contents of one's stomach end up in their esophagus.

Some foods might increase the extent to which it is unpleasant if or when the contents of one's stomach end up in their esophagus.


How long does it take for you to realize if cutting something off your diet helps?

Since I feel like some foods can take days to affect my GERD it can be difficult to tell what helps and what doesn’t.


I've started changes in my diet with an "acid reflux detox" for a month, which meant eating a very limited group of foods that most definitiely shouldn't cause acid reflux and drinking pretty much only water, after that I've started slowly introducing stuff that potentially could cause acid reflux and observing how I feel, in my case I get acid reflux almost immediately after eating something that I shouldn't, so it's quite easy to eliminate.


One thing people can do is to never eat chocolate or take ibuprofen (and many drugs like it) before laying down. These things relax the sphincter at the bottom of your esophagus. If you pay attention, you'll often notice an immediate burp when you eat chocolate.

I restrict chocolate to nothing after 2pm (ish).

My gastroenterologist told me to treat my stomach like a hot cup of coffee. When it is full, be very careful to tip it over, otherwise you will get burned.


I'm from Europe and use SMS only, I don't get it how having a dozen of messaging apps and remembering who uses what is better than a simple SMS that I can send to absolutely anyone with a phone..


Pretty much this. I only ever send out SMS if I am the one who initiates the conversation on a phone, but other people send me messages on other apps.

However most of my instant messaging is done on a computer using discord, so I might not be in the prime user base of these apps


SMS is still used in France too.

> I don't get it how having a dozen of messaging apps and remembering who uses what is better than a simple SMS

Indeed, especially now that Telegram is taking off by times in Europe (in Belgium / Spain / France at least Telegram is getting used by a lot of people) and that some people now refuse to use WhatsApp.

In addition to appointment reminders from doctor/dentist/notary/whatever and delivery tracking numbers I still exchange SMS with quite some people.

It's not as if it was exactly hard to open and reply to a SMS you just received from someone: takes exactly the same time as answering using WhatsApp or Telegram.


> Indeed, especially now that Telegram is taking off by times in Europe (in Belgium / Spain / France at least Telegram is getting used by a lot of people)

Interesting, here in Germany, almost everyone I know has Signal and WhatsApp with some people using only one of them. Telegram I encountered from one US American living here, and from people into conspiracy theories.


In my experience here in Germany, Signal usage has increased drastically in the last two years. When my daughter started a new school, I got enlisted in the parents group on Signal. Previously, parent groups or anything similar was an exclusive WhatsApp territory.

As for Telegram, people mostly use it to consume news. It basically replaced RSS readers for common people. Although its install base is relatively high, I have yet to receive a single private message over Telegram.


When you're making these claims... are you actually looking at any aggregate survey or numbers... or are you doing the typical biased bubble "I've looked at 15 people I know" thing?


I thought I had added "I know", but apparently I missed that, apologies. Fixed now. The 2nd sentence had the relevant "I encountered" part, not the first.


I guess that varies from country to country. In Spain, it's WhatsApp for everybody with Telegram recently making inroads for specific topic groups.

SMS is used by companies to send notifications and asking for confirmation, even (ouch!) banks. I haven't sent one in more than a decade.


Same


I recommend games from Wadjet Eye Games studio, they're really well made, with great story, voice acting, balanced difficulty and overall they feel like created in the 90s.


The Blackwell series from Wadjet is absolutely spectacular and 100% brought me back to that 90s adventure games feeling! Super recommend them too! (I also cried like a baby at the series conclusion)


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