Why would you expect to be able to use a creditcard in a physical shop in the Netherlands? Surely you knew? It works if the payment terminal has support for it, but since no Dutch person uses a creditcard outside of the internet, your kinda going against the grain.
That's not really true. Especially in the more touristy places, credit cards are generally accepted and it'd be unusual for it not to be. If you're out in a village in, I dunno, Brabant, then sure. But the places that visitors are likely to be I'd expect cards to work.
I think even AH accepts credit cards these days, though I haven't tried it myself.
Why would you expect people not living in the Netherlands to just know this?
In South Africa where I live, anywhere that accepts cards accepts Visa and Mastercard. Outside of the "informal business" sector (e.g. tiny "businesses" like a roadside stall), card acceptance is so ubiquitous I don't carry cash anymore and it's very rarely an issue.
> Why would you expect people not living in the Netherlands to just know this?
Because this is a thing in most of Europe. Most people don't own a creditcard, and those that do use it mostly for online purchases outside of the EU. I don't travel to another continent without looking up how to pay for things when I get there.
It's not about owning credit card, but about being able to use it in physical shop. In one of the parent comments author of comment to which I replied said:
> Why would you expect to be able to use a creditcard in a physical shop in the Netherlands?
I was just in Germany and lived on my credit card - not a single Euro used. I strongly disagree with this generalization based on extensive personal experience.
> Why would you expect people not living in the Netherlands to just know this?
It’s generally a good idea to learn something about your travel destination and not to assume everything there is the same as where you live. The world is big and diverse.
Literally just got back from a trip there and didn't find a single business or transaction that I couldn't pay for with various US-issued (Chase + BoA) Visa credit cards via tap.
Even more surprisingly to me - a pretty decent chunk of businesses even would accept AmEx. By no means all, but I recall it being basically nonexistent not that long ago.
And to be clear - much of my time was not in areas that get a ton of foreign tourist visitors.
Not saying your experience didn't happen, but given our very different experiences it might be something with your particular bank/issuer/card?
My experience matches yours. I found AmEx accepted maybe 50% of the time, if not less. But Visa or MasterCard were accepted 99% of the time, both big and small businesses.
I suspect you're right: it depends on the specific card/bank, not whether it's credit or debit.
Most Americans with the means to travel also have access to credit cards with no foreign transaction fees and by selecting "pay in local currency" you get the best exchange rate.
There's still an ongoing trick that some European businesses do where they'll try and get you to pay in dollars because they can arbitrarily set the exchange rate. It's obviously within "reason" but on the higher end for no purpose other than to make extra money. I find such behavior to be dishonest and deplorable.
There's also ATMs from Euronet that are conveniently placed in tourist areas that refuses to pay out Euro if you have a Euro card, you can only get money if you do an exchange and they do a 15% or so on top of a fixed rate. Also do things like charge for checking balance on account and don't tell you about before its done.
Thankfully though a lot of times these ATMs and such are avoided by American tourists because....we just use a credit card.
By the way, those fees are split with other folks. For example you might find that American Euronext ATM in a shopping plaza or outside of a storefront. Those European businesses are getting a cut of that exchange rate.
> credit cards with no foreign transaction fees and by selecting "pay in local currency" you get the best exchange rate.
I’d be interested to compare their rates to Wise. The credit cards here in New Zealand don’t come close. However we regularly get screwed down here, and sadly it’s not just foreign companies that do it.
> I’d be interested to compare their rates to Wise.
Well for US-based "no foreign transaction fees" credit cards the rate is 0. There's no additional fee. For cards with foreign transaction fees you'll see something like 1% that goes to Visa/Mastercard/whoever and then the bank will charge a fee too, typically a percent or two.
But that's one thing, and then you have the actual currency conversion rates. I found an excerpt from an article that I think explains it well enough [1].
"Typically, a purchase at a foreign merchant is made entirely in the local currency. The cardholder authorizes the purchase amount in the local currency, and the purchase price is not converted until the payment is processed.
When you make a purchase at an international store, you may be asked if you want to convert your purchase to your home currency. This service is provided at the point of sale as a value added service and allows you to know the converted price at that moment—but don’t be fooled; it comes at a cost.
While this may initially sound like a wise way to avoid fees, these charges are in addition to any foreign transaction fees your card may apply. These fees assessed by the merchant at the point of sale are called dynamic currency conversion or DCC. You can think of DCC as an added service and just like most services that make life easier, there’s a convenience charge. Plus, even when using DCC, you’ll usually be charged a foreign transaction fee by your card issuing bank unless your card has no foreign transaction fees."
tl;dr version is, at least for an American, get a "no foreign transaction fees" credit card and save 1%-3% on all transactions you may otherwise be charged a fee for, and if prompted by a local shop to exchange currency, don't, just pay in the local currency so they can't dishonestly set arbitrarily high exchange rates. Visa and Mastercard (among others) as mentioned in the article have better negotiated exchange rates so it's better to let them do any exchange that's needed to keep costs to a minimum.
I finally started getting stronger in the gym when I stopped going to failure on everything. I got in the best endurance shape by going on a steady comfortable pace for progressively longer periods of time.
One of my favorite styles of weight training is volume based. The premise starts with something like I need 10 reps of a certain weight, but it doesn't matter how many sets it takes to get there. Each set ends if I cannot do another perfect rep. If I can't do a single perfect rep, then the exercise ends and I move on to the next thing. By requiring the rep to be perfect, it naturally keeps you from going to failure and lowers chance of injury.
There's more to it like how to pick the weight, etc... but the perfect rep piece I really enjoyed.
it gets more complicated when you need to also display something like "last comment: <author> <3 days ago>" for each post, or if the comment counts need to be filtered by various flags/states/etc.
of course, it's all possible with custom SQL but it gets complicated quick.
That's like saying it gets more complicated when you have to use loops with break statements in programming. It's just what programming is.
The filtering you describe is trivial with COUNT(flag IN (...) AND state=...) etc.
If you want to retrieve data on the last comment, as opposed to an aggregate function of all comments, you can do that with window functions (or with JOIN LATERAL for something idiomatic specifically to Postgres).
Learning how to do JOIN's in SQL is like learning pointers in C -- in that it's a basic building block of the language. Learning window functions is like learning loops. These are just programming basics.
The Phoenix.new environment includes a headless Chrome browser that our agent knows how to drive. Prompt it to add a front-end feature to your application, and it won’t just sketch the code out and make sure it compiles and lints. It’ll pull the app up itself and poke at the UI, simultaneously looking at the page content, JavaScript state, and server-side logs.
Is it possible to get that headless Chrome browser + agent working locally? With something like Cursor?
When Roo Code uses Claude, it does this while developing. It renders in the sidebar and you can watch it navigate around. Incredibly slow, but that’s only a matter of time.
This will synchronously block until ‘chat.ask’ returns though. Be prepared to be paying for the memory of your whole app tens/low hundreds of MB of memory being held alive doing nothing (other than handling new chunks) until whatever streaming API this is using under the hood is finished streaming.
Yes, it does. Ruby has a global interpreter lock (GIL) that prevents multiple threads to be executed by the interpreter at the same time, so Puma does have threads, they just can’t run Ruby code at the same time. They can hide IO though.
Concurrency support is missing from the language syntax and this particular library as a concept. This is by design, to not distract from beautiful code. Your request will make zero progress and take up memory while waiting for the LLM answer. Other threads might make progress on other requests, but in real world deployments this will be a handful (<10). This server will get 10s of requests per second when something written in JS or Go will get many 1000s.
It’s amazing how the Ruby community argues against their own docs and doesn’t acknowledge the design choices their language creators have made.
Whole body MRI is fairly available in major metro areas, though not cheap and not very sensitive or specific.
The Galleri blood test screens for a range of cancers (sensitivity varies by cancer) and is ~$900, although you need a doctor to order it. You also may not technically be within the intended use population unless you have some risk factors (e.g. you are older than 50, or have family history of cancer).
Colonoscopy is a good idea, given the rising rates of colon cancer among younger adults.
The actual stats on the efficacy of early detection are extremely surprising. This [1] is a random study, among many, about breast cancer screening. Breast cancer mortality rates have been trending downward sharply, and this correlated with a sharp rise in screening. People naturally assumed this was causal, but oddly enough the exact same reduction in mortality has also been observed in people who have not participated in early screening at all. So it seems that generally better treatments are the main reason.
The 'paradox' of genuinely higher survival rates with early detection is explained by the fact that the survival rates are measured from the time of diagnosis. If a person with undiagnosed cancer is diagnosed after 7 years with said cancer, and then dies the following year, then he is considered to have had 1 year of survival. By contrast if somebody is diagnosed at year 1 and then dies 7 years later from the cancer, then they are considered to have 7 years of survival. They lived exactly the same length with cancer, but the survival times after diagnoses are markedly different.
This applies for most cancers. In my prior readings on this topic, the one screening that had a statistically significant effect on life expectancy was a certain type of colonoscopy, but even in that case the effect was quite small, something like 3 months IIRC. I think the overall take away is that outside of healthy living, do what makes you feel most comfortable. Even if they may not be highly effective, screenings would provide some people significant mental comfort. If you're one of them, more power to you. If you're fine without, then that's also great.
Talk to your doctor, and ask to be screened for all common cancers. A colonoscopy is in your future (I just had one). Also ask for a Prostate-Specific Antigen (PSA) Test. Also look into the HPV vaccine.
Don't do this. Nearly all cancer tests are overly sensitive, and not great at detecting the cancers you care about (the ones that will progress).
If you run out and get a bunch of random cancer tests, you are basically ensuring that you will get unnecessary and painful treatment for a finding that probably wouldn't have harmed you in the first place.
It's not a satisfying answer, but it's true. The reason most cancers are found late is because there's no effective alternative.
HPV vaccine has to be the biggest bang for buck. To anyone reading this, you should get it at any age because you likely haven't been exposed to all the strains that e.g. Gardasil-9 protects you from. You should also get it if you're male despite it being initially known as the cervical cancer vaccine because HPV causes oral cancers and you also don't want to potentially be a carrier.
Had to use debit.
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