What's the French for duck?
Well, I wouldn't ask if it was easy...
99 posts • joined 20 Dec 2007
Received that same letter the other day. I am not an accountant, but I have just modelled the charges, and I can only infer that the vast majority of bank overdraft charges must be levied on sub £50 overdraft values, as the equivalent percentage rates for these are much, much higher than on larger initial sums.
The 30 day percentage rate is anywhere between 2900% (£0.01 overdraft after 30 days) and 4.64% (£50.00 overdraft after 30 days). The 30 day percentage rates converge to be about 4.23% for values above £500.
If you were unlucky enough to leave your account overdrawn by £0.01 for a year, the AER would equate to 36400%. A £50 overdraft for a year would have an AER of 72.96%. The AER again converges to about 68.4% above a £500 initial overdraft.
Imagine if Wonga advertised that their AER for a £0.01 loan was 36400%...
Here's the last line (personally transcribed) from a voicemail received recently:
I'll drop you an email in this respect as well and hopefully we'll catch up before Thursday. Take care, bye bye.
And this is what Outlook automatically transcribed it as (see if you can spot the difference):
I'll drop you an email in this respect as well and hopefully will touch before fisted take care bye bye.
+1 on Twintris. Written by Svein Berge, who may or may not be the same Svein Berge from Röyksopp.
Although I am assured that Svein and Berge are both common Swedish names, I'm convinced it is, because their first album - Melody A.M. - contains tracks which use Amiga ProTracker style tricks such as tone portamanto (iirc 3nn on the effect code list).
+1 for the music. Sure the ST had midi built in, but the Amiga 4 channel stereo was head and shoulders above any other home computer at the time.
I think I spent more time using SoundTracker / NoiseTracker / MED etc. than playing games on my old A500. I managed to amass disks and disks of ripped Module files - memory could be scanned after a soft reset and a Module Ripper could save out the data - all to get at those precious samples for my own (terrible) tunes...
As for my favourite tunes, too many to list but include: Shadow of the Beast; Obliterator; Gods (amazing); Xenon 2 (naturally); Jesus on Es mega-demo; Pinball Dreams.
"The second the clocks ticked past midnight GMT, the bug awoke and took down Altea. 135 airlines had implemented the Altea reservation system by 2012 but the Australians were the first to go down once the clocks hit midnight."
Err, shurely everyone hits Midnight GMT at the same time?
"While you're at it grab the bastard who decided every show needs to give you a preview of what is about to happen, and then every five minutes remind you of what just happened and then at the end show you what will happen next week. Whoever you are please, please stop!"
You are aware that this is a method of turning 1 hours programming on the BBC into 1 hours programming on a commercial repeats channel by editing out the "coming up", "next week" and "previously" segments and replacing with 15 minutes advertising space, thus increasing resale revenue.
Likewise, when did you ever see the "news" section in a repeat of Top Gear on Dave?
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