July 22, 2012

Dutch banks charge top dollar for overdrafts

Filed under: General by Branko Collin @ 1:57 pm

Financial news site Z24 studied overdraft interest rates of Dutch banks, and came to the conclusion that Dutch banks charge as much as their German counterparts.

Overdraft interest rates are limited by law to 12% plus a variable rate that is currently 3 percentage points. The maximum interest rate for overdrafts currently allowed is therefore 15%.

ING currently charges 14.5%, almost the maximum. Z24 discovered the following rates:

Bank Rate (%)
ING 14.5
ABN Amro 14.1
Rabobank 12.9
ASN Bank* 10.0

When a bank borrows money from the Central European Bank, it only pays an interest rate of 1%.

A German consumer organisation had recently studied overdraft interest rates in its own country and came to the conclusion that with an average rate of 12.1%, German banks overcharged their customers by a lot. Banks defended themselves claiming that there were high costs involved in charging relatively small amounts, and that the chance that customers would not pay back their overdraft is relatively large.

A study by the German government, Süddeutsche Zeiting reported last Thursday, proved that the banks were lying. Overdrafts are a relatively risk-free type of loan for banks, with only 0.3% of the overdrafts leading to payment problems, as compared to 2.5% for other types of loan.

The Dutch financial authority AFM will study the rates that banks charge after January 1, the date on which new banking rules go into effect.

*) ASN Bank is a brand of SNS Bank that originally only offered ethical savings accounts, although recently they have also added current accounts to their services. Although the savings of ASN customers are invested in ethical stock, the profits go to the parent company.

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July 21, 2012

Real life tracking cookies

Filed under: Art,Food & Drink,Technology by Branko Collin @ 12:54 pm

Hacker collective Hack42 from Arnhem also experimented with laser Café Noirs.

With the new cookie law on everybody’s mind, it is not surprising that somebody decided to come up with real life tracking cookies.

That somebody was Utrecht-based events platform SETUP, who laser etched traditional Verkade Café Noir cookies with QR codes and handed them out during the Beschaving Festival at the end of June. SETUP doesn’t say how they kept tracking the cookies once eaten.

See also:

(Via Trendbeheer. Photo by Dennis van Zuijlekom, some rights reserved. Video: Youtube/SETUP.)

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July 20, 2012

Dutch bike-sharing systems poorly suited to tourists

Filed under: Bicycles by Orangemaster @ 11:02 am
velib1

A survey of European rental bike systems by ADAC, Germany’s biggest automobile club, has placed Amsterdam, Utrecht and The Hague’s bicycle and rental systems at the very bottom of their ranking of European bicycle-sharing systems (in Dutch, ‘OV-fiets’). Information is only available in Dutch, you can’t rent a bicycle without registering first through a website, and bicycles have no suspension or gears. (Pssst: there’s no mobile app for the rental, either).

The ADAC looked at the sharing systems from the point of view of tourists. Funny enough, last year, a study by the Dutch cyclists union Fietsersbond showed that 96% of Dutch users are very satisfied and would recommend the bikes to others. Others must mean friends and family, not tourists.

Are these bike even intended for tourists or just locals? Everything else aimed at tourists in Amsterdam is in several languages, what’s up with this? Weak points of Amsterdam’s system included not being able to talk to a real person, places having different opening hours, only being able to register and pay online, and other things that give me a headache just reading. No wonder tourists rent bikes elsewhere!

Europe’s top system is in Lyon (Paris’ vélib shown here, also highly rated).

(Link: www.nieuwsuitamsterdam.nl)

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July 19, 2012

Extremely rare moth found in Limburg

Filed under: Nature by Orangemaster @ 10:41 pm

The extremely rare Callopistria juventina, a moth of the Noctuidae family, was spotted in late June in the South of Limburg by a butterfly catcher. In 30 years, it has only been seen twice before in the Netherlands, in 1984 and 2000, and is usually found in this country.

(Link: www.limburger.nl, Photo of Callopistria juventina by dhobern, some rights reserved)

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July 18, 2012

The hearing impaired have no access whatsoever to emergency numbers

Filed under: General,Technology,Weird by Orangemaster @ 1:25 pm

In March, but also just last month, there have been disruptions of the emergency number 112 throughout the country. In fact, the last time a man died because an ambulance came too late, as a result of 112 being difficult to reach.

This month, Dutch news programme Eenvandaag reports that the country’s deaf and hard of hearing population have had no access whatsoever to 112 for more than 70 days now. The clincher is that the company that provided them with a chat service to access 112, AnnieS, went bankrupt in late May, early June. Interest groups ask: why doesn’t 112 have the technology to supply this service themselves? AnnieS also helped people communicate with the tax office and other organisations as well as with one another.

Before this service, they had a text service that wasn’t great, but worked most of the time. When AnnieS was launched in September 2010, they didn’t hook up the existing text service dating back from 1997 and some deaths ensued.

The government is working on getting a Swedish company to get the AnnieS-like service up and running, which it says should be around mid September. However, in the mean time when a hearing man dies because 112 is not available it’s news, but if a deaf person dies because of this discriminatory situation, they’ll be treated as second class citizens due to the government’s inability to plan properly.

(Link: www.eenvandaag.nl)

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July 17, 2012

Should the bollards on bike paths stay or go?

Filed under: Bicycles by Orangemaster @ 4:08 pm

Cyclists union Fietsersbond says it’s high time to remove bollards from bike paths, which account for some 300 serious injuries every year in Amsterdam, and surely across the country. The city still has a lot of them (quite different from the one in the picture), but how much of a big deal is it? What if people just watched out a bit more or is that too easy to say?

Wikipedia says since trucks push over the bollards and smaller cars pass between them, the use of bollards doesn’t prevent cars from parking on sidewalks. Sidewalks in Amsterdam are currently being slightly elevated from the streets, meaning that the bollards are no longer needed to separate the sidewalk from the street.”

So why still have them on bike paths? And is removing them worth it?

When cycling home slightly drunk from the pub, tired from work or through rain that cuts down on your visibility, you can miss a lot on the bike path, including things like broken glass (nails?) à  la Tour de France. You could be that cargo bike mum arguing with your whinging offspring or being the douchebag chatting with your BFF on the phone not paying any attention to stuff on the road.

If the bollards don’t work anyways, why not just get rid of them? It would save 300 trips to the hospital. You could also assume than many of those trips are tourists, blame tourists for making this an issue and just say that people should pay more attention when they cycle.

Either way, pick the cheapest is my Amsterdam answer. I’m more worried about the douchebags on the phone, especially the ones cycling with children, reminding me what bad parenting looks like.

(Link www.parool.nl, Photo: Jihyun David)

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July 16, 2012

Netherlands leave gap in net neutrality law for principled providers

Filed under: IT,Religion,Technology by Branko Collin @ 10:06 am

Maxime Verhagen, Minister of Economic Affairs, has written a letter to evangelical Internet access provider Solcon that their filtering system does not run afoul of the Dutch net neutrality law that was recently passed by the Senate.

Solcon provides filtered access to the Internet for clients who do not want to be exposed to values other than Dutch Reformed ones (the Dutch Reformed Church is part of the Protestant Church).

When the law was passed, Solcon threatened to sue the state, although it first wanted to talk to the minister. According to Computable, Maxime Verhagen has now sent a letter (PDF) to Solcon telling the provider that the way it has set up its filters, with clients being in full control of switching the filters on and off, and clients not getting to pay less for filtered access, does not violate the law.

Back in May I outlined three conditions that I felt could guarantee net neutrality while at the same time allowing providers to filter. They were 1) the provider should offer an unfiltered service no more expensive than the unfiltered one, 2) the service should get equal prominence in advertising, and 3) users should be allowed to switch between these services at no cost. Given the nature of Solcon, a provider with evangelical rather than profit seeking goals, my second condition is obviously of less concern, so this seems like a good decision.

The tricky bit for lawyers of more profit-motivated providers to decipher is whether the minister’s answer now leaves ways to sell filtered Internet access to clients without giving them a straight discount. The minister does not single out Solcon in his letter, but speaks of ‘Internet providers’ in general, and though his second condition seems to suggest that he will not allow the use of rate differentiation to lean on clients, the fact that he explicitly mentions lower rates seems to leave room for other forms of enticement or coercion.

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July 15, 2012

Automobile repair companies face crisis

Filed under: Automobiles by Branko Collin @ 9:52 am

Dutch car repair shops are having a tough time. Their turnover has been dropping for years, NOS reports, and it’s all got to do with improved safety of both cars and roads.

The news site says safety improvements to cars, such as automatic parking systems and adaptive cruise control, prevent accidents. Car crashes have further been reduced due to the replacement of many crossroads by roundabouts.

Trade organisation Focwa believes that turnover will drop by several percent in 2012.

With regards to road safety Eamelje (where we found this story) adds that the 2,000 alcoholsloten (ignition interlock devices) that have been installed in cars in the Netherlands are good news on the one hand, but on the other, a bitter reminder of how many drivers overestimate their ability to keep a heavy vehicle under control. An ignition interlock device is a breathalyser coupled with a car lock. Before starting the motor, the driver must exhale into the device. If the blood alcohol level is too high, the car won’t start.

NOS reports that these devices cost 4,000 euro apiece, and that convicted drivers must pay for the device themselves. Convicted drivers are also legally limited to driving cars with these devices installed—bad news for professional drivers. Only Sweden and the Netherlands make use of ignition interlock devices on a large scale. Experienced drivers that have been caught with a 0.13% blood alcohol level are typically convicted to use these devices.

Twenty percent of all traffic deaths in the Netherlands are connected to drunk driving—130 of 661 road deaths in 2011.

(Photo by Photocapy, some rights reserved)

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July 14, 2012

Dré Wapenaar’s tree tent hotel

Filed under: Architecture,Art by Branko Collin @ 2:36 pm

Rotterdam-based artist Dré Wapenaar came up with these tear-shaped tents that can be hung from the stems of trees.

Four of these tents are currently forming a hotel in Borgloon, Belgium, where they are part of an open air art exhibit called PIT. A one-night stay will cost around 70 euro, according to The Pop-Up City. Trendbeheer adds that guests can have their breakfast seated on furniture by Ardie van Bommel, a recent Eindhoven Design Academy graduate.

The temporary hotel will be open for business until September 30.

Check out the Trendbeheer article for more photos of the exhibition.

(Photo by We Make Money Not Art / Régine Debatty, some rights reserved.)

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July 13, 2012

Film director Paul Verhoeven’s bridge to Hollywood

Filed under: Architecture,Film by Orangemaster @ 6:35 am

After hearing from two curators of Amsterdam’s Eye Film Institute (white building on the left, the other is the delightfully retro former Shell building) that Queen Beatrix really liked Sokurov’s The Russian Ark, which is known for having been filmed in one go with no editing, I also find out more about Hollywood heavyweight Paul Verhoeven.

To the Dutch, Paul Verhoeven is a major director who launched the career of fellow Dutchman Rutger Hauer, starring in films such as the 1973 Dutch classic Turkish Delight, while to Hollywood he’s the guy that came up with blockbusters such as Robocop, Basic Instinct and Starship Troopers. Another face you may recognise in his films is Hollywood actor Jeroen Krabbé who played General Koskov in the Bond film The Living Daylights.

After 20 years of tinseltown Verhoeven came back to continue working on films in the Netherlands. In May he was present at the premiere screening of his restored 1980 film ‘Spetters’ (‘Hunks’ (male and female), but also meaning ‘spatter’ and even ‘ejaculation’). Lucky for some, it’s playing a few times with English subtitles in Amsterdam this month.

Spetters is being presented in its ‘uncut’ version, which means explicit sex scenes were put back in the way the film originally intended, including a blow job scene in the Rotterdam subway. Critics were very harsh on the film at the time, saying that it portrayed youth as amoral anti-gay bashers (one of the main character’s is gay) and the feminists had a field day with the blatant sexism and misogyny that actually makes the film amusing today and makes me wonder why the many women in Verhoeven films didn’t make it to Hollywood.

Here’s the Hollywood voice over trailer, with a wee bit of functional nudity:

And here’s the restored version of the trailer in Dutch. This one has explicit sex it in, which doesn’t need translation:

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