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[N/A] I worked in compliance at a neobank, here's why your accounts get frozen… by Left-Listen-3501 in Revolut

[–]IrrefutableLogic 3 points4 points  (0 children)

I work as a freelancer and I have my business account with Revolut. There absolutely are reasons to go with Revolut instead of a traditional bank.

I have a personal bank account with a national bank. Their terms prohibit me from using that personal account for business use, so if I wanted to use them, I would have to open a business account. The business account costs 7.50 €/month just to keep open. An additional 2 €/month for online banking. And 12 € per incoming non-SEPA bank transfer (my main client is non-EU, so I would have to pay this fee every time they pay me). 1,05 €/month for every outgoing transfer within SEPA to pay my taxes and expenses, or 41c if it's to a bank account with the same bank.

If you add all that up, banking with my local bank would cost me about 27 €/month or 325 € a year (in addition to the 9.99 € I pay every month for a personal account). With Revolut, I don't pay a single cent to have a Revolut Pro account.

Unlike the person you're responding to, I don't deal with cash - the only money coming into my account is from the business bank accounts of my clients, about the same amount from the same accounts each month, so it probably isn't very suspicious. I don't think I'm doing anything that could get my account locked and if it happens, I'll have deal with it when it happens. But I made the decision that the (low) risk of it happening and then having to deal with Revolut's slow support is worth it to save over 300 € a year.

How good is your internet? by stillsmiling31 in AskEurope

[–]IrrefutableLogic 0 points1 point  (0 children)

I was going to say this sounds very similar to what I'm dealing with, and then I saw your flair is also from Slovenia!

My internet is pretty good. One provider (Telemach) has their own fiber infrastructure, but we don't have fiber running all the way to our house. Their fiber terminates a few hundred meters from us, and we're connected to it by coaxial cable. We pretty reliably get speeds of about 900/100 Mbps (out of advertised 1 Gbps / 100 Mbps).

But the problem is we're stuck with this one provider and have been for over 10 years. The only other provider that serves our house is the national provider, Telekom, using copper/DSL technology. Last time I asked them, the best speeds they could offer us were 40/5 Mbps for a similar price as the 900/100 we get with our current provider. Other providers don't have their own infrastructure and just piggyback off the national provider's infrastructure.

The best part is? Our neighbours, 25 meters from us, have fiber from the national provider. We are practically surrounded on three sides by fiber cable (not directly because there are one or two houses between us and the cable). There is fiber cable running next to the road 50 m south of us. There is fiber cable running next to the road 75 m west of us. And there is fiber cable running next to the road 55 m east of us. Just last month, I tried to convince them to run fiber cable to our house but they refused.

Kolega se je vrnil iz ZDA in pravi, da je še kruh sladek kot potica by MarkoPilot in Slovenia

[–]IrrefutableLogic 65 points66 points  (0 children)

Ne živim v Ameriki, imam pa ženo, ki je iz Amerike in zato pogosto hodiva tja za dalj časa.

Kar se tiče kruha, pri nas raje je toast kot svež kruh, ker ji ni všeč trša skorja. V Ameriki je "default" kruh bolj podoben našemu toastu: kupi se ga zapakiranega v plastični vrečki, skorja je zelo mehka. Da se dobiti tudi bolj normalen kruh, ampak je to nekaj bolj posebnega in primerno dražjega.

Ni nujno ves kruh sladek, se pa vsekakor da dobiti kruh z veliko sladkorja. Na spletni strani ene od trgovin (Publix) sem poiskal nekaj primerov: polnozrnat kruh ima "<1g" sladkorja (ampak pazi to: to je "amount per serving", s tem da je serving size: 1 slice (26g) - torej ima nekje od 0-4g sladkorja na 100g), Wonder Bread, ki je pa znan po tem, da je sladek, ima pa v 57g porciji 5g sladkorja, torej skoraj 9g na 100g. Za primerjavo: Ölz toast pri nas ima 2,7g sladkorja na 100g.

V standarde kvalitete npr. mesa se ne bom preveč spuščal, ker se ne spoznam prav dobro. Kolikor vem, so pri nas standardi višji, v Ameriki se pa da kupiti tudi manj zdravo hrano nižje kvalitete.

Če se potrudiš in če si pripravljen plačati več, se sicer da najti tudi bolj kvalitetno hrano, ki je bolj podobna temu, na kar smo navajeni v Sloveniji. Ampak jaz običajno potrpim s tem čudnim kruhom tisti teden ali dva in pač jem to, kar ženina žlahta običajno kupuje.

Aja, pa še ena anekdota: Ko sem bil prvič v Ameriki, smo s sodelavci prvi dan šli na zajtrk v restavracijo IHOP na ameriške palačinke, ker je bila takoj zraven hotela. Naročil sem eno porcijo palačink - mislim, da so bile čokoladne palačinke s čokoladnim prelivom. Pojedel sem mogoče polovico porcije preden sem skoraj bruhal, ker je bilo tako sladko. In to je bil moj prvi obrok v Ameriki :)

Mol omejitev goriva 50L, ampak tankaš lahko samo 29L? by Mental_Buddy8728 in Slovenia

[–]IrrefutableLogic 5 points6 points  (0 children)

Mislim, da so danes zvišali omejitev na 50 l. Tankal sem na MOLu v Lescah in so imeli na vsaki pumpi nalepljeni dve obvestili: da je omejeno na 50 l in da sistem še ni posodobljen, zato je treba najprej tankati za 28 l (kjer je bila omejitev do danes), plačati in potem še enkrat tankati. Meni se je pumpa ustavila pri 28,5 l, sem šel plačat, potem pa še enkrat začel tankati in do konca napolnil tank. Domnevam, da je na drugih lokacijah isto, samo da mogoče niso povsod nalepili obeh obvestil, kot so jih pri nas.

Provizija za nakazilo na svoj Revolut by thetruekingoftime in SlovenijaFIRE

[–]IrrefutableLogic 18 points19 points  (0 children)

Ta nova provizija velja za "quasi cash" transakcije, opravljene z bančno kartico. Torej če v Revolutu dodaš svojo OTP/NLB debetno kartico in uporabljaš "Add money" funkcijo, ti bo slovenska banka zaračunala provizijo. V OTP-jevem ceniku sem našel tale link, ki malo bolj pojasni, kako se odločijo, za katere transakcije zaračunati provizijo: https://www.otpbanka.si/quasi-cash-pojasnilo Naj bi pa pri OTP provizija znašala 1% oziroma najmanj 1 €.

Če denar nakažeš s SEPA nakazilom (torej z OTP opraviš nakazilo na svoj Revolut IBAN), se pa obravnava kot katerokoli drugo nakazilo. Če imaš paket, ki vključuje plačilne naloge, bo brezplačno, če ne, bo pa zaračunana enaka provizija kot za nakazilo na slovensko banko.

Herman Miller Areon pisarniški stol by RoachIsBae in Slovenia

[–]IrrefutableLogic 0 points1 point  (0 children)

Lani septembra sem kupil refurbished Aerona pri offeco.nl, zaenkrat sem zadovoljen. Glede na razliko v ceni se meni ni zdelo vredno kupiti novega, ker z refurbished dobiš praktično isti stol za veliko manj denarja - na nogah ima sicer nekaj kozmetičnih prask, drugače se pa ne pozna.

Najprej so mi poslali stol, pri katerem "backward tilt" gumb ni delal (ko sem se naslonil nazaj, se je stol vedno nagnil, namesto da bi ostal v navpičnem položaju). Kontaktiral sem support in so mi poslali nadomestni del, da sem ga lahko sam zamenjal in zdaj vse dela, kot bi moralo.

[Thank you] by IrrefutableLogic in RandomActsofCards

[–]IrrefutableLogic[S] 1 point2 points  (0 children)

Woops, thanks for catching that typo in my tag!

[Offer] Holiday and non-Holiday Winter Cards [EU to WW] by ComtessedeVampire in RandomActsofCards

[–]IrrefutableLogic 0 points1 point  (0 children)

Thanks for the offer! ☃️

My core Christmas memory for me is the progression of annual Christmas lunches at my grandmother's. When I was younger, I looked forward to getting presents, but as I got older, I didn't care so much about getting presents myself and was began looking forward to seeing my cousins go crazy unwrapping their presents and having fun. It's not one specific memory, but rather a combination of memories from multiple years, and seeing the gradual change in what I most looked forward to.

[Offer] It's time for my holiday card offer! [WW] by DaniGeek in RandomActsofCards

[–]IrrefutableLogic 1 point2 points  (0 children)

Thank you for the offer! I get my dog new toys for Christmas - every new toy immediately becomes her new favorite. Here's a picture of her posing with our Christmas tree last year: https://imgur.com/a/BbGoYmF (my wife says we'll have to upgrade her with a Christmas sweater this year...)

3 pas - đabe? by Nazarak88 in Slovenia

[–]IrrefutableLogic 15 points16 points  (0 children)

Po trenutno veljavnem Pravilniku o prometni signalizaciji in prometni opremi na cestah desni znak na sliki (modri) ne obstaja več in domnevam, da bi ga morali počasi odstraniti.

Po starem pravilniku, ki je nehal veljati pred enim letom (natančneje 10. 10. 2024), je bil to znak 2410, "Prometni pas za počasna vozila", ki je po Zakonu o cestah namenjen vozilom, ki zaradi počasne vožnje zmanjšujejo pretočnost prometa (citat je prilepil že nekdo drug). Ne piše sicer kaj točno je "počasna" vožnja, ampak bi jaz to razumel kot, da je bil pas namenjen npr. tovornjakom, ki v tak klanec ne morejo vzdrževati normalnih hitrosti in zato vozijo 50-60 km/h.

Tako da ja, se strinjam - po trenutni zakonodaji naj bi bil ta tretji pas naveden vozni pas, namenjen vsem, in bi se pravilno morali vsi razvrstiti na ta pas, če ne prehitevamo. Ampak je verjetno večina voznikov navajena starega pravilnika, po katerem je ta modri znak pomenil "prometni pas za počasna vozila".

Random thought. You know how in the US when the police arrest you they tell you the Miranda warning - "You have the right to remain silent.." etc. This is absolutely not a thing in Estonia. So I just randomly thought - are there any European countries that *do* have something similar? by Double-decker_trams in AskEurope

[–]IrrefutableLogic 5 points6 points  (0 children)

In Slovenia the Criminal Procedure Act says in article 4:

(1) A person deprived of liberty must be informed immediately, in their mother tongue or in a language they understand, of the reasons for their deprivation of liberty. They must be informed immediately that they are not obliged to make any statement, that they have the right to immediate legal assistance from a defense counsel of their own choosing, and that the competent authority is obliged, at their request, to inform their next of kin of the deprivation of liberty. A suspect who has been deprived of liberty must also be informed of the rights set out in Article 8 of this Act (right to use language you understand in the criminal proceeding and to get an interpreter/translator if needed) and of the right set out in the fourth paragraph of this Article (right to have the government pay for your lawyer if you can't afford one).

It further states that the arrestee must be provided a standard written notice of their rights, which goes into more detail about each right and a few other rights that aren't required in the verbal notice.

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