Pankkiehdot uudistuvat, juupa juu.

Pankin edellytetään ilmoittavan asiakkaalle hylätyistä maksuista. Jos esimerkiksi tilillä ei ole maksuun tarvittavaa katetta niinä neljänä päivänä*, joina pankki yrittää toteuttaa maksutoimeksiannon, pankki ilmoittaa hylätystä maksusta. Tästä ilmoituksesta veloitetaan asiakkaalta maksu 1.7.2010. alkaen.

Oikeasti.. onko tämä koko uudistus mitään muuta kuluttajan oikeuksien leikkaamista juustohöylällä joka puolelta?

Listataanpa:
1) Kaupat saavat oikeuden lisätä kassalla maksun loppusummaan kuluja
2) Luottokorttiyhtiöt alkavat lisäämään valuuttaostoihin 1.95% lisäkuluja valuuttamuunnoksesta, sen lisäksi siis että käyttävät omaa kurssiaan mikä kattaa jo kaikki kulut. _Kaksi prosenttia_ ostoksen summasta..
3) Kuluttajille tulee 150 euron omavastuu kadonneen kortin aiheuttamista tappioista. Aikaisemmin omavastuu oli 0 euroa siitä kun katoaminen ilmoitettiin.
4) Pankeille tulee turhia lisävelvoitteita joiden kulut joutuu luonnollisesti maksamaan kuluttaja, vrt. lainaus yllä. Siis, puskasta tulevia lisämaksuja pankille ilmoituksista joita ei tarvitse ja joita ei voi edes kieltää lähettämästä.

Mitä ilmeisimmin pankki- ja luottokorttiyhtiösektori on lobannut aika huolella tämän säädöspaketin eteen. Ei ihme että EU:lla on huono maine kansalaisten keskuudessa, jos ainoa joiden ääni kuuluu on sedät joilla on mittapuku päällä ja miljoonia takana.

Sony’s New Flexible OLED is Thinner Than a Strand of Hair | Inhabitat – Green Design Will Save the World

Some major advances on the field of bendable gadgets:

Sony’s New Flexible OLED is Thinner Than a Strand of Hair | Inhabitat – Green Design Will Save the World.

RIP, Ronnie

Ronnie James Dio, one of the Great Old Ones of Heavy metal has passed away. Rock in peace, man.

YouTube – Dio – All the Fools Sailed Away.

Neil Gaiman’s Journal: Why defend freedom of icky speech?

Neil Gaiman writes on freedom of speech:

Neil Gaiman’s Journal: Why defend freedom of icky speech?.

Like someone wise once said: “If you don’t support freedom of speech for people you despise, you don’t support it at all”.

Eyjafjallajökull and Katla: restless neighbours « The Volcanism Blog

There’s been a lot of mentions in the news about Katla always erupting when Eyjafjallajökull does, but no time frames have been mentioned. It was a bit challenging to dig it up, but here it is:

Eyjafjallajökull’s most recent eruption, December 1821 to January 1823, was followed by an eruption of Katla in June and July 1823

Eyjafjallajökull and Katla: restless neighbours « The Volcanism Blog.

The one before that was in 1600s and it’s a bit uncertain if both even erupted then, let alone knowing which one went first.

With these 1.5 data points it seems we might very well have some time to fly around right now.

The eruption of Katla is well past the schedule, however, so if not right now (meaning in year or two), it will happen soonish, unless something extraordinary happens. There’s record of Katla erupting from 900s to present and it has been erupting twice per century all these centuries, and now it’s already 92 years from the previous one (1918).

Maternal Health in the US

Maternal mortality ratios have increased from 6.6 deaths per 100,000 live births in 1987 to 13.3 deaths per 100,000 live births in 2006.

the likelihood of a woman dying in childbirth in the USA is five times greater than in Greece, four times greater than in Germany, and three times greater than in Spain

All this in the country that wealthier and spends more money per capita to health care than any other country in the world.

Maternal Health in the US.

Better batteries for you

As technology advances, sometimes breakthroughs are made that both make our life easier and help environment. Recent introduction of so called low self-discharge NiMH batteries goes into this slot.

This far, when selecting batteries for your AA/AAA-run device (AA is what people call sormiparisto in Finland, AAA is one size smaller), you have had these options:

Disposable battery
+Not hazardous to environment
+Retains the power for years until used
-When used, lasts only for limited, sometimes very limited time.

Regular NiMH battery
+Rechargeable, can be used thousand times or more.
+Even one full charge lasts longer than a single disposable battery
-Hazardous unless disposed off properly (ongelmajäte)
-Charge wears off over time, so when you buy new batteries they start empty, and you need to recharge them often

Now we have these new kind of rechargeable batteries: low self-discharge NiHM batteries. They tackle the last bullet on NiMH cons list – they retain most of their charge for months.

Here’s some data from an independent test:
sorted data: AA and AAA NiMH low self-discharge tests–Round 2: Storage and Media Forum: Digital Photography Review.

So all in all, if you have high power devices like digital cameras or wireless mice, consider getting these new kind rechargeable batteries for them. I have used them for my cameras for months now and they indeed work. Normally if the device has been used for weeks, the batteries are in bad shape and you can’t just pick the device and go using it. With these new kinds of batteries you can.

As you can see from the link above, even if your device is used just one week after the full recharge, these all low self-discharge ones deliver more power than even highest rated normal batteries.

Here are the types I have used myself and where to get them:
1) GP ReCyko, Partco Oy
2) Varta Ready2Go, Clas Ohlson
3) Eneloop, Verkkokauppa.com

UPDATE:

Varta collects negative points by labelling several of their series “Ready2Go” and not clearly stating which of them are actually LSD batteries and which not. The ones I and some others have tested to work properly are these:

Better batteries for you

As technology advances, sometimes breakthroughs are made that both make our life easier and help environment. Recent introduction of so called low self-discharge NiMH batteries goes into this slot.

This far, when selecting batteries for your AA/AAA-run device (AA is what people call sormiparisto in Finland, AAA is one size smaller), you have had these options:

Disposable battery
+Not hazardous to environment
+Retains the power for years until used
-When used, lasts only for limited, sometimes very limited time.

Regular NiMH battery
+Rechargeable, can be used thousand times or more.
+Even one full charge lasts longer than a single disposable battery
-Hazardous unless disposed off properly (ongelmajäte)
-Charge wears off over time, so when you buy new batteries they start empty, and you need to recharge them often

Now we have these new kind of rechargeable batteries: low self-discharge NiHM batteries. They tackle the last bullet on NiMH cons list – they retain most of their charge for months.

Here’s some data from an independent test:
sorted data: AA and AAA NiMH low self-discharge tests–Round 2: Storage and Media Forum: Digital Photography Review.

So all in all, if you have high power devices like digital cameras or wireless mice, consider getting these new kind rechargeable batteries for them. I have used them for my cameras for months now and they indeed work. Normally if the device has been used for weeks, the batteries are in bad shape and you can’t just pick the device and go using it. With these new kinds of batteries you can.

As you can see from the link above, even if your device is used just one week after the full recharge, these all low self-discharge ones deliver more power than even highest rated normal batteries.

Here are the types I have used myself and where to get them:
1) GP ReCyko, Partco Oy
2) Varta Ready2Go, Clas Ohlson
3) Eneloop, Verkkokauppa.com

The cost of health care around the world Boing Boing

This is rather interesting. Not just the obvious US disparity, but also how Japan combines top-of-the-chart doctor visit count with low costs and very good results.

The cost of health care around the world Boing Boing.

Suomen Lääkärilehti – Finlands Läkartidning

http://www.laakarilehti.fi/kommentti/index.html?opcode=show/news_id=8272/news_db=web_lehti2009/type=7/ref=rss

Suomen Lääkärilehti – Finlands Läkartidning.

Muukalaisia vesirajassa: Hihittävät nörtit

Erittäin hyvä kirjoitus aiheesta joka on yhteiskunnallisestikin olennainen.

Paskat käyttöliittymät, epäluotettavat tietojärjestelmät ja edellisiin liiallisesti kaadettu raha kun eivät ole mitenkään pieni ongelma esimerkiksi terveydenhuollossa.

Muukalaisia vesirajassa: Hihittävät nörtit.

The Illusion of Sex Change | Mighty Optical Illusions

Interesting and intriguing!

Optical illusion that plays with our recognition of gender:

The Illusion of Sex Change | Mighty Optical Illusions.

Yle: Kelan tukema säätiö jakoi vaalirahaa Juhantalolle – HS.fi – Politiikka

Juhantaloa äänestämällä ainakin tietää mitä saa:

Entinen ministeri ja kansanedustaja Kauko Juhantalo (kesk) on saanut vaalitukea Kuntoutussairaalasäätiöltä, joka saa rahoituksensa pääosin Kansaneläkelaitokselta.

Yle: Kelan tukema säätiö jakoi vaalirahaa Juhantalolle – HS.fi – Politiikka.

Freezing in a situation: Experiences from teaching people not to, under an imaginary threat : Janka’s log, stardate 2009

Linky to Janka:

Freezing in a situation: Experiences from teaching people not to, under an imaginary threat : Janka’s log, stardate 2009.

Insightful read indeed. Interesting topic and well written.

Via IRC, naturally.

Mind Hacks: Dramatic sexuality changes after brain disturbance

These are damn interesting, and sometimes downright scary:

a man who was convicted of paedophilia late in life, but was later found to have a brain tumour, and on removal of the tumour his sudden interest in children disappeared. It reappeared again when the tumour once more began to grow

Mind Hacks: Dramatic sexuality changes after brain disturbance.

Autovero toimii kuten haluttiin

Autoverotuksen muutokset ovat pudottaneet uusien autojen päästöjä selvästi enemmän kuin odotettiin. Samaan aikaan valtion autoverosta saamat tulot ovat pudonneet roimasti enemmän kuin valtiovarainministeriössä suunniteltiin. Ministeriössä on jo mietinnässä uusia päästöperusteisia veroja.

Ympäristöinto ja taantuma romauttaneet autoveron laskuun | Talous ja politiikka | YLE Uutiset | yle.fi.

Keskusta sai vaalitukea sairaaloilta – Suomi – Uutiset – Ilta-Sanomat

Etelä-Pohjanmaan sairaanhoitopiiri tuki keskustaa vuosina 2007-2009 yhteensä 3000 euron edestä. Samaan aikaan sairaanhoitopiirin hallituksen puheenjohtajana istui keskustan puoluesihteeri Jarmo Korhonen.

Keskusta sai vaalitukea sairaaloilta – Suomi – Uutiset – Ilta-Sanomat.

Ei näin, ei näin.

Introduction To LED Lighting | DIYPhotography.net

Very interesting read. The setups described work only for very small subjects, but the parts are very cheap and used in an innovative way.

Introduction To LED Lighting | DIYPhotography.net.

IL selvitti: Vanhanenkin päätti RAY:n rahoista | Uutiset | Iltalehti.fi

“Päättäessään Nuorisosäätiöllekin ohjautuvista RAY-rahoista Vanhanen on ollut itse Nuorisosäätiön tuen saaja.”

Kepu pettää aina.

IL selvitti: Vanhanenkin päätti RAY:n rahoista | Uutiset | Iltalehti.fi.

Näkökulma: Suomella on nukkepääministeri | Uutiset | Iltalehti.fi

Erittäin terävä analyysi ja suoraan sanottuna:

Näkökulma: Suomella on nukkepääministeri | Uutiset | Iltalehti.fi.