Posts tagged “fees”

ChittahChattah Quickies

Separating You and Me? 4.74 Degrees – In 2008, Microsoft found the number to be 6.6; it depends on how one defines a connection. Can we infer anything from Facebook having a looser definition than Facebook?

Adding a new chapter to the research that cemented the phrase “six degrees of separation” into the language, scientists at Facebook and the University of Milan reported that the average number of acquaintances separating any two people in the world was not six but 4.74. The original “six degrees” finding, published in 1967 by the psychologist Stanley Milgram, was drawn from 296 volunteers who were asked to send a message by postcard, through friends and then friends of friends, to a specific person in a Boston suburb. The new research used a slightly bigger cohort: 721 million Facebook users, more than one-tenth of the world’s population.

Who Uses SpiderOak? – More Personas Leaking Outside the Enterprise. Just because you have personas in your development process doesn’t mean you need to make that your marketing. It’s bad enough that you think and talk about your customers this way, at least have the good manners not to talk TO them this way.

Gavin the Geek – Gavin is a geek. He has been for as long as he can remember. Instead of playing with toy guns, he was ripping apart and rebuilding the Atari – a gift to his dad when he was a young boy. In his spare time, he builds servers for friends. In his professional time, he builds servers for friends. And then he gets to administer them all. Making sure they are all backed up, frequently, painlessly, and securely is crucial in maintaining his sanity. SpiderOak bounces into Gavin’s domain. Now, he can load SpiderOak on all of the servers, keep all the data secure, run everything from the command line, keep out of trouble, and never have to worry if, by chance, he didn’t build the server just right…

5 Ways to Think About Nuisance Fees [] – Some great deconstruction of the way we respond to different types of fees, pointing towards some design principles for the creation of fees. The examples in this article are consistent with what we’ve heard in a number of studies.

The discussion starts with a three-pronged test of whether the fee is reasonable: is it fair, is it disclosed and do you have a choice about paying it? Fairness is the least clear, but Robin Block, a retired actuary in Manhattan, argues that the fee must have some relationship to the actual cost of providing the item or service. By that definition, the 3 percent currency conversion fees that credit and debit card issuers levy are unfair. Ditto the $10 or so a day that rental car agencies charge for GPS devices that retail for $100. Bank of America’s effort to charge $5 a month for debit cards is an interesting case study in this context of cost, given that it said that it all but had to add the fee because of new rules that limited what it could charge merchants for accepting the cards.

Ambidextrous magazine shuts down – Although their website is not with this sad news, here’s the email I just got. You can see my contributions here, here, and here.

We know it’s been a while and you’ve maybe wondered what has been going on with us. The global financial crisis, revolutions, The New York Times now charging online… a lot has happened. And with the downturn and the state of publishing, it has been tough. We fought as long as we could and unfortunately must now close Ambidextrous. The magazine has been a labor of love, but it has unfortunately not been organizationally and financially sustainable. Since 2005, we’ve done our best to help designers share their stories and to build a movement around that. As a movement, Ambidextrous will live on, and we should have conversations about what great next steps are for fostering intellectual discussion and sharing in the design community. It’s the community that makes us hopeful and pushes us to find the next outlet, the next forum, the next thing for us to collaborate on. So keep in touch. Share your ideas. Let’s meet again soon.

ChittahChattah Quickies

  • [from steve_portigal] Armies of Expensive Lawyers, Replaced by Cheaper Software [] – [Spin in this article is that using computers to manage super-human levels of complex data will have employment consequences.] When five television studios became entangled in a Justice Department antitrust lawsuit against CBS, the cost was immense. As part of the obscure task of “discovery” ­ providing documents relevant to a lawsuit ­ the studios examined six million documents at a cost of more than $2.2 million, much of it to pay for lawyers and paralegals who worked for months. But that was in 1978. Now, thanks to advances in artificial intelligence, “e-discovery” software can analyze documents in a fraction of the time and cost. In January, Blackstone Discovery of Palo Alto, CA., helped analyze 1.5 million documents for less than $100,000. Some programs can extract relevant concepts ­ like documents relevant to social protest in the Middle East ­ even in the absence of specific terms, and deduce patterns of behavior that would have eluded lawyers examining millions of documents.
  • [from steve_portigal] PG&E launches huge paper chase for pipeline data [SF Chronicle] – [You think you have a lot of data to process? Obviously their record-keeping incompetence is just now being surfaced and they have taken on a data task that is beyond human scale. We can create systems that we can't manage!] For the past couple of days, forklifts have been carting pallets loaded with 30 boxes each into 3 warehouses outside the 70-year-old Cow Palace arena in Daly City. Friday afternoon, there were still more than 100 pallets stacked outside the warehouses waiting to go in. "There are 100,000 boxes in there, and you can't believe the papers spread everywhere," one PG&E employee said …"There are records in there going back to the 1920s. "We're looking at all kinds of parameters, and our data validation efforts are going on throughout the service area,…We're doing a 24-7 records search involving at least 300 employees and contractors, and we're working to confirm the quality of our data through collecting and validating our gas transmission pipeline records."
  • [from steve_portigal] Hong Kong, 2011 [Flickr] – [My pictures from our recent trip to Hong Kong for the UXHK Conference]
  • [from steve_portigal] Understanding Culture, User Research and Design with Steve Portigal – [Reserve your tickets now for either Toronto event: a lecture on March 8 and a workshop on March 9. The lecture will focus on culture, insights, and design while the workshop will be a hands-on opportunity to practice synthesizing user research data into opportunities and concepts. Hope to see you there!]

Nailed for fees

This would be funny if it didn’t piss me off so much. I called Wells Fargo and politely asked about that extra charge. They explained that (of course) this was all in the disclosure of terms that I received. Yeah, right. The point is, that you are allowed to go over a certain percentage, the card is set up for “emergency use” – that’s the point. And they charge you for it. I told them that was pretty much the end of me as a customer, that it was ridiculous, and they were unable to remove the charge. In fact, before they would let me hang up, they tried all sorts of verbal pressure tactics to get me to commit to a specific date I would pay the overage so that I didn’t receive another $29 charge. How nice of them.

Have I mentioned that Wells Fargo sucks?


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