I mean, at the same time, a quick perusal of lunduke shows a pattern of jumping on hatewagons to drive clicks.
Not judging the morality of this practice, rather saying that if like me you dislike that practice in general then listening to the hate rants of companies that hatewagon for clicks may influence you in a way you would rather not be influenced.
How does UPI handle payment disputes? My impression is that the direct payment systems do not have chargebacks and are risky for anything that isn't immediate. What do you do if store won't give you return/refund for something broken? What do you if online store never ships? What if food stall doesn't give you your food?
With credit card, it isn't my money for a month until I have to make the payment. If there is a problem, I can chargeback. The possibility of chargeback makes the vendor's support more helpful
In this regard a UPI transaction is the same as a cash transaction. AFAICT it does not handle payment disputes. You can use a credit card if it provides protection against this but now you need to be sure the credit card company is not scamming you (say by charging you bogus fees). As far as I am concerned using a credit card changes nothing when it comes to fraud protection.
That's because you are used to and expect card frauds. In UPI, the only way money leaves your bank is if you enter your PIN. Even standing instructions (called payment mandates) are required to notify you before they execute and you can stop/cancel it at anytime. (like Apple App Store subscriptions, but for everything!).
What happens when you buy or order something online and it doesn’t come, is broken, they won’t take it back, or a myriad of other situations? That’s fraud.
Withdrawing money from a credit card is taking on debt. Credit and debt are related concepts. Ask yourself this will you have to eventually pay interest on the borrowed money or not?
You can have other (non credit, say savings) bank accounts for security too. It's just as easy (or easier) as getting a credit card here (in India).
> Ask yourself this will you have to eventually pay interest on the borrowed money or not?
No, because after a month, there will be an automatic payment from my bank for the balance. In that time, the bank is giving me their money and they’re on the hook for any fraud.
You are taking debt whenever you use credit card. If you miss/forget payment, some tech fault or sometimes just because you can be charged hefty interest or charges.
You can keep a separate account for your daily transactions.
Not sure it qualifies as debt. It's just an agreement with your bank to give them that money in a few weeks / days. And if you commit to spending some small amount per year with your card (usually something like $1500), the bank will offer you some nice perks on their products that you don't get by using other payment methods. If you use something like UPI and you are making some kind of deal with your bank, you are basically losing money.
Credit card annual interest rates can be as high as (or even higher than) 50%. This is not trivial, it can (and does) ruin lives. It is a type of debt (though conditional).
I don't know about other areas, but in the West the overlap between credit card users and people who can get a decent loan at a <10% interest rate is very high. Which is why for most credit card users, credit is a no go if they are not paying it back quickly. UPI counterpart's use case is to send a bit of money to your friend when you share a meal etc.
You have to remember to pay back your credit card debt before the clock runs out. Once you make a UPI payment the transaction ends there (because the money is debited from your bank account and you are not taking on a conditional loan). You don't have to remember to pay the UPI company anything after the fact. I hope this explains how UPI is different from credit cards.
> You have to remember to pay back your credit card debt before the clock runs out
In my experience paying with credit is a fire and forget action, since the money is debited automatically at the end of the month, with no interest. The UX is great, since it only takes a card swipe [as long as I have the funds to pay it back and I'm within my credit limit].
In an scenario where you are not debited right away, I agree completely. But I would only expect that to happen by accident or if the user lacks the financial literacy to understand there are better ways to buy whatever they want. I may be missing some financial corner cases.
I don’t remember when was the last time I’ve paid my credit card, I’ve set it on auto pay. Plus I accumulate enough points at the end of the year for one way trip to India.
> UPI is directly connected to your bank account. It does not go through VISA, Mastercard or whatever.
This is technically incorrect. UPI is connected to NPCI, which runs the platform and charges the participating banks for this service. Same for RuPay cards by NPCI.
I’ve used credit card for more than 10 years and I’ve never paid any interest in those 10 years. If you pay your bill in full every month then there’s no interest charged.
The word itself has no connection with India. Rastafarianism is named after Ras-Tafari, one of the epithets of the Ethiopian emperor Haile Selassie whom Rastafarians revere. Per Wiktionary, the etymology of that epithet is as follows:
> From Amharic ራስ (ras, “Duke”, literally “head”) and ተፈሪ (täfäri, “revered”) from ተፈሪ መኮንን (täfäri mäkonn, “Haile Selassie”, literally “feared (son of) Makonnen”).
Just for the sake of being circular, I will mention the rumour i once read that Ras Tafari (Halie Selassie) was in fact the product of an affair between the Pricess Woizero and an Indian enginneer, which rasies the eyebrown given his the lack of resemblence the Shuwa King, Makonnen Woldemikael. But mentioned anyhow since it would be poetic if Rastafari also meant Way fairing traveller in Hindi, but i dont know much about poetry.
https://landofpunt.wordpress.com/haile-selassie-abyssinian-r...
There's a song in my playlist where they play a recording of someone calling a hotel and asking them to page "Haile Selassie". I never understood the reference until now!
The Orb's "Towers of Dub"? Genius.com says this song's sample was a "prank call was made by Victor Lewis Smith, a British film, television and radio producer, a TV and restaurant critic, a satirist and newspaper columnist."
Dub music isn't "the chanting of Rastafari", it is a musical genre orthogonal to Rastafarianism that was developed by Jamaican musicians from varied backgrounds. Rastafarianism does have a chanting tradition in worship and e.g. Nyabinghi chants have been recorded over the decades, but it sounds little like dub music, which is, after all a studio-based genre, and it also sounds more West African-diaspora than Jewish liturgical music.
I can't agree. Dub music evolved more or less around Nyabinghi chants through Count Ossie's jazz interpretations. The Nyabinghi chants are spiritual chants, so you may think of dub music as very spiritual. Add to that the lyrics of dub music and there you are. Of course the likes of Lee Scratch and Mad Professor really brought psychedelic vibes with reverb and delay into it, but the point is what it was used for, and what the themes in it are about.
For me dub is undoubtedly psychadelic spirtual music and its sources are in Rastafari. I like it very much, even though I'm don't share all the Rastafari beliefs.
I'm not saying that Nyabinghi drumming has anything to do with Jewish liturgical music. or that Rastafari is a descendant of Christianity, for, or not. Fact is that even though it has no direct connection physically (those people were in Jamaica, right so?), they were absolutely enchanted by the idea of Ethiopian roots. Ras Tafari is Ethiopian, right?
Potentially it was wrong to use "Judaism" as terminology at all here, and I was rightfully downvoted. But what I meant is Old Testament is closely related to the Hebrew Bible, which is a foundational text in Judaism.... These texts contain many of the same books that are found in the Old Testament of the Christian Bible, although the arrangement and the number of books may differ. So may wording was not entirely right, I stand corrected.
No you may not know, but Ethiopia has never been colonized, and is very proud for it. And it was one of the first countries to be exposed to Christianity (or Judaism if you want, or whatever it was called in these BC ages). There is very good reason to believe that the legendary Queen of Sheba have actually visited King Solomon, although I'm not going into arguing about Song of Songs, really. This is ... like long before Christ came to bring the New Testament.
But the point here is that Ethiopian Orthodoxy, etc influenced the Rastafari interpretations. Was it for political reasons, for Marcus Garvey reasons - I can't tell. But if you care to listen to what people sing about in the roots roots dub, try https://www.discogs.com/artist/43151-Alpha-Omega. They are for sure much more into this whole stuff - much more than you and me. Listen to the themes. The themes are biblical, and very much about characters and events that you find in the Old Testament. About Israel, Exodus, etc. This is biblical music, like it or not. And such these are the roots of dub. You find similar themes in music by Twinkle Brothers, Pablo Moses, etc...
Appropriating Jewish biblical figures into a non Jewish practice isnt making that a practice rooted in Judaism. It's just very surface level nonsense. They could be named anything.
Does YouTube know we have ADHD even before we do? This was in my recommendations this week. I did not think I had ADHD since I am rarely hyperactive. But everything in this video fits me to a tee. Been looking for adult ADHD treatment here in India but apparently every single one of them is a pediatrician.
There’s two entire halves to ADHD. The hyperactive part is the one people usually know, but the attentive half is the part people aren’t aware of.
Diagnosed myself, predominantly inattentive with bits of hyperactive, mostly fidgeting. Executive dysfunction, issues keeping my train of thought, poor short term memory, motivation issues, and more are the other half.
1. There is external hyperactivity (like Ace Ventura or any other Jim Carey character)
2. There is internal hyperactivity (Racing thoughts, excessive talking, anxiety-like symptoms, etc.).
Those with ADHD all have hyperactivity, it just manifests differently across the subtypes (ADHD-Predominately Hyperactive, ADHD Predominately Inattentive, and ADHD-Combined).
What's your opinion on "the" vs "a"? Cause in my language there are no articles. If you mean "a book" you say "any book". If you mean "the book" you say "this book" or "that book" or something to that effect. If you don't care (which is 99% of the time) - you say "book".
Do you think this distincion is worth it?
BTW I'm wondering if AI and programming will eventually create a new distinction, similar to the grammatical genders caused by domestication - it would be useful to be able to distinguish between antropomorphized but non-intelligent entities (this function threw an exception) and actually intelligent actors (this AI decided you should be fired).
