Yep, that's what people were telling me an e-check was. But I haven't looked into it myself, I just haven't because I mail a check without even thinking about it. Its just been engrained in me as a habit.
I've never had a problem getting an actual, real, free checking account. I actually have several. (4 at the moment... don't ask) And 3 of them have free paper checks as well.
> I did have a vague idea that many still use cheques over there
Almost nobody uses checks anymore. I do, but I'm old and cranky. ;)
Actually, the only time I use a check is to pay rent because check or money order is the only way my landlord accepts payment. Apparently there is something called "e-checks" or something but writing out a check once a month isn't a pain point for me.
And it was required to write out a check (or money order) to get my US passport.
I work in an industry that is highly regulated and law and policy must be followed to a T. Our policies are extremely specific.
It isn't "worst-first" thinking, it is "ok, I'm replacing a critical component, does this replacement meet all the the required specifications of the thing I am replacing it with? What are the potential consequences?" Which takes almost no time, its just a question that needs to be answered in my field.
Perhaps my work in such a regulated environment has taught me to think that way.
I have family in the insurance business, and they've talked about having to deny claims for various (kinda silly in a way) reasons. And getting death threats because of it...
Interesting. Has this been compared to EEG for accuracy? I can't imagine it to be very accurate. I'm really curious because as far as I understand anything that isn't EEG is pretty much useless.
My insurance covers me in the case of theft. When I applied for my policy the adjuster asked me questions about my physical security. Do I have a deadbolt? Security system? Things like that. These variables (along with others, crime rate of my neighborhood, for example) were plugged in and I was given a policy with a premium tailored to my risk. If I lie about my risk to get a lower premium, then if I make a claim, then I won't be covered.
Consider a 100% purely hypothetical situation where I told my insurance company I have a deadbolt on my door. They issue me a policy based on that information. This policy has language in it that defines what a deadbolt is. I then replace my deadbolt with something that doesn't fit the language of my policy. I make a claim, and an insurance adjuster comes to my house. They notice that I was using a tool to secure my door that didn't fit with my policy language. Now I won't be covered because I didn't follow the policy.
Of course that's entirely hypothetical. Maybe (probably?) not even likely. But since it takes all of 5 minutes to verify if the new lock you are installing is compatible with your insurance policy, it would be braindead to not check.
Holy crap, yes, I agree, proxcards are the same as physical keys and are no more or less secure or insecure. Everything its benefits and weakness. However, its worth taking 5 minutes to consult your laws to see if what you're doing is legal even if it "should" be. Laws can be (and are all the time) written by people who don't understand the issues at hand. An ounce of prevention is worth a pound of cure, and all that. You don't want to (potentially) have issues down the line that are very very easily preventable.
I deal with extremely detailed regulations and policy on a regular basis (I work in a very regulated field) and we MUST do things that are very specific all the time. We need to follow the letter of the law (not just the intention). Looking up "hey, can I do this?" is part of my job, so I'm ALWAYS thinking that way. Policy is usually one step back from new technology. You may have laws and regulation that details specific technologies that may be used in different applications.
>No offense but what's the evidentiary basis for these statements? Are you in the insurance business, or in the lock business?
No. It was a hypothetical situation to CONSIDER. Everyone's situation is different. You should consider what insurance ramifications would be and make sure you are reporting accurately to your insurance company, because inaccuracies can potentially have bad consequences. Unknowingly. Unlikely, but worth looking into first. Check the wording on your policy, it may list things that are disallowed. It may have a different category for electronic locks (and you may even get a discount!) Not saying this is insecure or a physical lock is better, but its use may be excluded in your policy for whatever stupid or non stupid reason. Check it. Thats all I'm saying.
How do you know? Landlord tenant laws are incredibly local (you can't possibly know all of them for all locales in the world) and can be very specific and probably haven't gotten caught up to new technology. My town (just the town!) has a 30+ page document on what a landlord has to provide a tenant written in very VERY specific terms. Thats not even considering state laws. And federal.
Yeah, its all design, but they list a usability consultant on their staff page. Usability is a part of the design and if a usability constant can't pick up such glaring problems with how the design affects usability, I'm not sure what they are supposed to do.
If you report to your insurance company you have a deadbolt and then your house gets broken into. (Perhaps due to a flaw in the software?) Now your insurance company finds out you have a Bluetooth dohicky on your door rather than a physically locked deadlock lock. Your insurance now won't pay up.
I'm not sure how much those Proxcards that every business in the world uses costs, but they sure are time tested and convenient. Probably expensive though. I believe they are RFID.
Don't put this on your rental property either until you consult your local laws regarding requirements for doors and locks for rentals to see if this meets the requirements.
Ok, while I'm crapping all over your app (sorry...you were looking for feedback, right?)
The website rendered so badly on my phone I went to go check out how it looked on the desktop. Well, the video pause issue is fixed... (I still think putting a video in a jQuery modal is incredibly annoying...just embed the video)
You need to fire your "usability consultant." Your color scheme is absolutely horrible for anyone who is older or with less than perfect vision. It is very difficult to read for me.
Any time your as yourself "should I display my -main content-* in white text" the answer should be no. Doublely so if you your background is light pastel green.
Light grey on white is another combo that is extremely hard to read. So is white on very light picture of a beach.
Animated backgrounds(?) (The background is not animated in my mobile browser) are not only are incredibly distracting, but also actually, ironically, cause anxiety for me. I'm sure I'm not the only one.
I know different people have different preferences, but at LEAST give your color scheme some halfway sane contrast. And fix the rendering errors on mobile. Both issues, besides affecting usability, make you look amateurish. In my opinion.
*not saying you should never use white text, ever. Just not in paragraph form.
Looks like you have to login and your private medical data is stored "in the cloud." I have no idea why anyone would think this would be a good idea. Storing it locally would be the only remotely sane solution.
I mean, I don't mind telling someone I have an anxiety disorder (and I do have one). But the content of some of those intrusive thoughts is something I don't want anyone to know. Especially not some startup who may sell their company to, say, Facebook one day. Some of my intrusive thoughts are things that I did wrong (10 years ago...). So logging them would mean a third party would have an entire database of almost every mistake I made in my life, out of context. The potential for that to go wrong is... extreme. I'd rather have nudes be leaked.
And the stupid embedded video in a jQuery modal. Stop it, you're making your videos unusable. Let me pause. Oh wait, I can't. I need to pause the video because it runs at lighting speed, so fast it is impossible to gain any information at all from it unless you pause it.