Seldo.Weblog: March 2007

A question of scale

Today I had a long chat, rather too early in the morning, with a surprisingly pleasant man from Ernst & Young about how taxes work in the US and how to avoid getting double-taxed as I move between continents. Worrying about this kind of thing makes me feel worryingly grown-up. Luckily, I have no assets and no savings, so my tax situation is very simple. Yay! Fiscal irresponsibility pays off!

Getting a bank account has been one of the most incredibly painful parts of the move. I made the huge, huge error of attempting to get a bank account via the Citibank Global Executive Banking program that came with my moving package. It was terrible. They open an account in New York, process it in Florida, and despite the fact that it's all the same bank in name, dealing with Citibank branches on the West coast is like dealing with a totally different bank. It took 3 working weeks to open the account, when they finally opened it the PIN they sent me didn't work in my ATM card, they won't give me a credit card because they think I live outside the US even though they have my address in San Francisco, and they don't return my calls.

Not that HSBC were any better, frankly. HSBC were my bank in the UK: they already know who I am, and they're a global bank, so it should be easy to set up an account for me in the US, right? Wrong. You have to fill in a boatload of forms, and then somehow it manages to take them 20 working days to open an account at their own bank. This would be inconvenient enough were it not for the thoroughly useless clerk who handled my application with them, who forgot to submit the forms and outright lied about how long the process would take, promising the end of the week rather than 20 working days.

There's a broader principle at work here, which is that globalization runs into scalability problems. As an organization grows, increased scale means you get benefits from increased buying power, mass production, and lower overheads as a percentage of total revenue. But as the organization grows, the complexity of systems needed to maintain an organization of that size grows, and not linearly -- when you grow by acquisition, as many companies do, the integration of systems from completely different companies often means the complexity curve is closer to exponential.

Eventually, acquiring any more companies will begin to increase your overhead, as the complexity of integrating yet another different system causes cascades of changes across the company. Large multinationals like HSBC and Citibank are already beginning to run into this. The reason Citibank on the West coast is like a totally different bank is because until 2002 it was: Citigroup acquired California Federal Bank. The systems haven't been integrated fully, so it really is a different bank, it just uses the same brand. This is why it takes 4 working days for a Citibank cheque deposited in a Citibank branch to turn up in a Citibank bank account.

This is why I don't get so worried about globalization. Humanity is a lot more resistant to homogenization than we think. McDonald's has to serve salads in the UK and can't serve beef in India. Multinationals that ship their call centres to India discover that cultural and linguistic problems cause customer satisfaction rates to plummet. Coca-Cola has to change its recipe in every nation it goes to. Globalization is self-limiting.

Bob

01 March 2007
I'm not sure your examples show that globalization is "self-limiting". I think they show that the curve of growth flattens off -- effectively a comany's progress reaches barriers and friction to further group -- but the biggest companies do still go on getting bigger. Scalability applies breaks, but the juggernauts aren't coming to a full stop, because there's plenty of power in the engine.

Laurie

01 March 2007
A flattened growth curve implies an eventual plateau, and that in turn implies diminishing returns on capital. Once a multinational grows beyond a certain size, it will find itself being outcompeted by smaller companies.

The existence of competitors with better returns on capital will cause its stock price to fall (relative to the market). In response to a stock price fall, it will get smaller, either by cutting back its work force or by spinning off one or more non-core divisions. We hear about companies doing this kind of thing all the time, and this is why.

a well wisher

01 March 2007
Bank of America. The best bank in the US. Fuck the other banks. Sure BOA is a bunch of blood suckers and they scam you-which bank doesn't?
But I've taken under an hour to set up all my business with them.

Ed

01 March 2007
BofA is just as bad as everyone else. They debited a friend's account when they should have credited it, which led to him having a hugely negative balance for weeks while they sorted it out.

I agree with your broader point, Laurie, but because I enjoy nitpicking -- McD's sells salads here too. They're completely unhealthy because they are packed with fried chicken, but still.

Ade B

02 March 2007
They are the same salads over here. They discovered that the salad with dressing had more fat then the big mac.

ed

03 March 2007
Also, the implication that Brits are more health-nutty than, say, coastal Americans is pretty ridiculous. Surely spending some time in SF, the organic food capital of the world, has disabused you of that notion.

Mikey

03 March 2007
Ah, but Laurie thinks organic food is spawn of the devil and is the sole reason why we don't have GM food on the shelves

Citibank: Worst bank ever?

I am almost incoherent with anger right now.

In a continuing run of bad luck with me and banking, over the weekend I misplaced my long-fought-for Citibank ATM card. This was very, very irritating, because Citibank on Tuesday this week was finally going to give me access to funds that I had deposited into that account last week Saturday -- a full 11 days, 7 of them working days, to deposit money from a cheque drawn on a Citibank branch, deposited at another Citibank branch, into a Citibank account. So after waiting and waiting, I finally have the money, but now the ATM card is gone so I can't spend it.

Ok, no problem, right? I'll report the card lost, then transfer money from that account into my shiny new Wells Fargo account, where I will have an ATM card sooner than the replacement card from Citibank will arrive. Or even transfer money into my UK bank account, where I already have an ATM card, though that will take almost as long.

But guess what? Apparently your online banking ID is linked to your ATM card number, so when you lose it you get locked out of online banking. So, just when you don't have real-world access to your money, you get locked out of online access to it as well. Phone access? No way, they don't do money transfers over telephone banking. No, not just because the account is locked: not ever.

Okay, I'm not entirely faultless here. I lost my ATM card, that was stupid. But I bank with three other banks. I know for a fact that two of them have their online and ATM card ID systems completely separate. Those two also do money transfers over the phone. This is not rocket science. Why on earth would you lock me out of online banking, anyway? My online banking requires a username and a password -- not my ATM card number or my PIN, even if my ATM card had my PIN scrawled across it in neon lettering.

They also have a number of subsidiary stupidities that make the process more painful. For instance, their website lists contact information for lost or stolen credit cards. Except that number doesn't work properly: I have to call it three times to get it to even ring. Once I get through on that number, a pleasant man asks me to identify myself with various pieces of personal information. I do this, and then he informs me that no, this is the credit card number. ATM cards are a different number. Is that number on the website? Had I missed it? No, it's an internal number. He'll transfer me.

He transfers me, and an automated prompt asks me for all the same information again. I enter that information, and somebody picks up. The system has worked out that I'm a Global Executive Banking customer, a special designation which, despite the name, seems to mean "make things inconvenient for this guy. Not just a bit tricky like normal, but really stupendously unhelpful." A man answers the phone and asks me for the same personal information again. Why, I ask, is it necessary for me to identify myself to him if I identified myself before he even picked up? Apparently "that's the automated system". Yes, I know, and all the other automated banking systems I've ever dealt with are quite capable of flashing up my verified identity on the screen of the person who answers the phone. No, not Citibank, not for their global executive banking customers, apparently.

After I discover the bad news about the online banking, I immediately call them back trying to transfer over the phone. No, I can only do it over the phone or by going into a branch during working hours. Oh, wait, you're a Global Executive Banking customer, a program which, let's remind ourselves, is supposed to be designed for people who live outside of the US and therefore can only conduct banking over the phone. Well, of course you have a way to transfer money by phone, sir. You have to call another number though. Between 9 and 5pm. Eastern time. Sucks to be a Japanese global executive, huh? You can only do your global executive banking in the middle of the fucking night!

I am disgusted at the levels of service these bastards have shelled out to me, while insincerely thanking me for my custom at the end of every call. As soon as is technically feasible I am shunting all my money straight out of there and closing the account. And if I could set fire to their web page, I'd do that too.

It has not been a good day.

Stephen

06 March 2007
> And if I could set fire to their web page,
> I'd do that too.
Why, actually ... http://stake.quasimondo.com/

Mikey

06 March 2007
And when you shunt the money to a different account, I suggest you flaunt it :) Send a letter to the Citibank and to whatever Consumer protection body they have their? Assuming US knows what consumer protection is, of course.

I am guessing this is just a part of the North American Banking Syndrome. I've been trying to transfer some money from one of my Canadian accounts to another. These are banking accounts designed *specifically* for people who involved in immigrating to Canada (and thus are not necessarily in Canada). They refused to do any sort of phone transfers and their online transfers are limited only to 500 *Canadian* dollars a day and to 1500 per week. Oh and any non-internal transfers are forbidden entirely!

ed

08 March 2007
Tip! If you lose your credit/debit cards, you can just ask the issuer to expedite your replacement, which gets a new card to you within a couple of days. Issuers will generally do this for free, since it's in their interest to get you spending again ASAP. For some reason, though, they won't expedite by default, so you have to request it.

greg

09 March 2007
I think your unconscious meant to say "minke whale"...

I will still swear on a stack of bibles that foreigner-banking service in the UK is even worse... I mean, at least you got a debit card in the first place, which, after banking with HSBC for more than a year, I never did. Then again, I had a lot less money than you.

suraj

15 September 2007
A fucked up bank and bank people are more than that...if I had power I would have screwed them all...bloddy Bastards..

SONGAPORE_JACKIE

29 September 2007






We applied for mortgage loan after having 6 years of good experience and trust with credit cards.
Loan officer never calls back until there is any deadline and you leave voice mails and emails for 2-3 days and call their manager or customer service department.
We applied with them 45 days prior to our closing date, submitted all the papers. We didn't get any reponse until our loan approval date and after 2-4 days effort to contact loan officer. Then by evening we were told about missing papers and request for date extension.
after next extended date , same process no response until deadline and call to manager and then told that underwriting will take another 5 days.
Every time we were given lame excuse like due to their cash back promotion they have heavy call volumes.
for $1000 cash back you will get $10000 stress and will give another $10000 stress to seller in this market
MCAP MORTGAGE SERVICES - THE WORST MORTGAGE COMPANY
Posted: 2007-09-29 by Robert A [send email]
MCAP MORTGAGE SERVICE IS NOT HONOURABLE

Complaint Rating:
IF YOU HAVE A MORTGAGE WITH MCAP MORTGAGE SERVICES, THEN GET OUT NOW AND DO NOT RENEW YOUR MORTGAGE WITH THEM.

THEY HAVE THE WORST REPUTATION WHEN IT COMES TO CUSTOMER SERVICE. AS A LENDER THEY MAY OFFER YOU CHEAP RATES, BUT ONCVE YOU ARE A CLIENT YOU SHOULD BE WARY AS THEY WILL NOT HONOR ANY COMITTMENT LETTER.

TAKE YOUR MORTGAGE ELSEWHERE IF YOU WANT PEACE OF MIND...
Complaints on ""MCAP.COM WILL NOT HONO0UR ANY OF THEIR COMITTMENT LETTERS"
Read more complaints on this Company
"MCAP.COM WILL NOT HONO0UR ANY OF THEIR COMITTMENT LETTERS
Posted: 2007-09-29 by S. DEVINCE [send email]
MCAP.COM DOES NOT HONOUR THEIR COMITTMENT LETTERS AND ONCE THEY HAVE YOUR BUSINESS THEY WILL

Complaint Rating:
If your mortgage broker provides you a comittment letter from MCAP Mortgage
you should know it has no value.

At the last minute they will dedcide not to honour their comittment letter.

Mortgage brokers and realtors have recently started to advise clients not to deal
with MCAP as they are completely untrustworthy.

MCAP is Canada's worst mortgage COMPANY

I have tried to devise the absolute worst mortgage loan that I can imagine. Fortunately, this loan commitment received is nothing more than a figment of my imagination -- at least, as far as I know.

I made it hard on myself. Although I dreamed it up, the Canada's worst mortgage provider I couldn't include anything that doesn't exist in the market today. So that disqualifies imaginary elements, such as mortgages written on acid-spraying exploding clay tablets. I just took the worst elements of all the existing mortgages and assembled them. Here's what I came up with:

Canada's worst mortgage: MCAP Mortgage Services does not honour promises. If you have a mortgage with MCAP make sure you transfer out as soon as your mortgage comes up for renewal.

MCAP WORST MORTGAGE COMPANY
I am almost incoherent with anger right now.
In a continuing run of bad luck with me and banking, over the weekend I misplaced my long-fought-for MCAP MORTGAGE ATM card. This was very, very irritating, because MCAP MORTGAGE on Tuesday this week was finally going to give me access to funds that I had deposited into that account last week Saturday -- a full 11 days, 7 of them working days, to deposit money from a cheque drawn on a MCAP MORTGAGE branch, deposited at another MCAP MORTGAGE branch, into a MCAP MORTGAGE account. So after waiting and waiting, I finally have the money, but now the ATM card is gone so I can't spend it.
Ok, no problem, right? I'll report the card lost, then transfer money from that account into my shiny new Wells Fargo account, where I will have an ATM card sooner than the replacement card from MCAP MORTGAGE will arrive. Or even transfer money into my UK bank account, where I already have an ATM card, though that will take almost as long.
But guess what? Apparently your online banking ID is linked to your ATM card number, so when you lose it you get locked out of online banking. So, just when you don't have real-world access to your money, you get locked out of online access to it as well. Phone access? No way, they don't do money transfers over telephone banking. No, not just because the account is locked: not ever.
Okay, I'm not entirely faultless here. I lost my ATM card, that was stupid. But I bank with three other banks. I know for a fact that two of them have their online and ATM card ID systems completely separate. Those two also do money transfers over the phone. This is not rocket science. Why on earth would you lock me out of online banking, anyway? My online banking requires a username and a password -- not my ATM card number or my PIN, even if my ATM card had my PIN scrawled across it in neon lettering.
They also have a number of subsidiary stupidities that make the process more painful. For instance, their website lists contact information for lost or stolen credit cards. Except that number doesn't work properly: I have to call it three times to get it to even ring. Once I get through on that number, a pleasant man asks me to identify myself with various pieces of personal information. I do this, and then he informs me that no, this is the credit card number. ATM cards are a different number. Is that number on the website? Had I missed it? No, it's an internal number. He'll transfer me.
He transfers me, and an automated prompt asks me for all the same information again. I enter that information, and somebody picks up. The system has worked out that I'm a Global Executive Banking customer, a special designation which, despite the name, seems to mean "make things inconvenient for this guy. Not just a bit tricky like normal, but really stupendously unhelpful." A man answers the phone and asks me for the same personal information again. Why, I ask, is it necessary for me to identify myself to him if I identified myself before he even picked up? Apparently "that's the automated system". Yes, I know, and all the other automated banking systems I've ever dealt with are quite capable of flashing up my verified identity on the screen of the person who answers the phone. No, not MCAP MORTGAGE, not for their global executive banking customers, apparently.
After I discover the bad news about the online banking, I immediately call them back trying to transfer over the phone. No, I can only do it over the phone or by going into a branch during working hours. Oh, wait, you're a Global Executive Banking customer, a program which, let's remind ourselves, is supposed to be designed for people who live outside of the US and therefore can only conduct banking over the phone. Well, of course you have a way to transfer money by phone, sir. You have to call another number though. Between 9 and 5pm. Eastern time. Sucks to be a Japanese global executive, huh? You can only do your global executive banking in the middle of the fucking night!
I am disgusted at the levels of service these bastards have shelled out to me, while insincerely thanking me for my custom at the end of every call. As soon as is technically feasible I am shunting all my money straight out of there and closing the account. And if I could set fire to their web page, I'd do that too.
It has not been a good day.

mcap mortgage holders it is time for you to transfer your mortgage

criss

25 October 2007
REFRAIN FROM USING WORLDWIDE BANKS, THIS FINANCIAL INSTITUTIONS ARE PROFITTING FROM PEOPLES MONEY, THEY KILL PEOPLE, THEY STEAL PEOPLES LIVES, PROPERTY & MONEY. THIS INSTITUTIONS ARE LEGAL CRIMINALS, just log on to: WWW.TRUECONSPIRACIES.COM for the real truth!!

criss

26 October 2007
BANKS are work & business of the DEVIL,,, they control, enslave and make people lives miserable ,, refrain from using and patronizing local and international BANKS,,,Just be simple and contented, log to: WWW.TRUECONSPIRACIES.COM for the real truth!!!

Ralph Goodson

10 January 2008
I cannot believe a recent report, from an apparently reputable organisation called Booz Allen, who have judged Citibank to be the best retail bank in the UK. Obviously nobody there has ever held an account with Citibank.
I hold accounts with several major banks in the UK and my experience of Citibank is the complete opposite. Far from giving me `quick and easy access to my money,’ they seem to place every conceivable obstacle in my way. There blanket solution to their many service issues is to send me another Citicard, which means I have to register another user name, another password and another e-pin.
I would list the problems I have had with them, but hey, life is too short......

Irving

12 April 2008
I hate Citibank but I hate JP Morgan Chase the most.

http://joel031.vox.com/

CRISS

26 May 2008
Banks are the business of the DEVIL, they will enslave, kill and rob you,, for the real truth in the coming days, kindly log to: WWW.3K88.COM & WWW.TRUECONSPIRARIES.COM

CRISS

26 May 2008
Be prepared,, for the horrible & survival in the coming days; log to: WWW.3K88.COM,,,stop patronizing banks, because they are the works and business of the DEVIL, read: WWW.TRUECONSPIRACIES.COM Be simple ,,BACK TO BASIC!!!

Krystle

02 August 2008
Citibank are a shit crappy bank. My husband and i finally received a refund from a even shittier American company- Storesonline, after 12 months of stress and worry. The only way of course they would refund the money, was back onto credit cards we used for our original purchase. Aren't we lucky that one of those was a citibank card (which has been inactive for 6 months as we don't use credit cards anymore!) On 29/07/08 citibank recieved OUR money from Storesonline- OVER 4 THOUSAND DOLLARS!. They won't refund it to us until our "statement date" which is friggen over 3 weeks away- despite the fact they can see the money is in our account, and have online statements anyway! THEN after 3 weeks, we have to wait 5-7 BUSINESS days for them to get off their lazy arses and post the cheque. OR they said they can charge us $170!! to withdraw the money from an ATM- ITS OUR FRIGGEN MONEY!!! I think it's hilarious, and disgusting. Meanwhile they earn interest on OUR money. It's ridiculous that big corporate companies can treat us like crap and get away with it. I contacted Consumer Affairs- their response was it would take 2-3 weeks for them to get involved!!!! What a world.

pablee

31 August 2008
citibank are a bunch of big criminal sharks waiting for your hard earning $$$$$$. what do you expect from jewish run banking system. just like the merchant of venice going for your blood mann.

Rebecca

26 November 2008
CITIBANK SUCKS!!! I requested a stop payment on an automatic withdrawal 3 weeks before it was scheduled to be taken from my account. I rec'd written confirmation Citibank would not send the money to the payee. They sent it anyway. There was another scheduled payment so I again issued a stop payment and rec'd written confirmation. Just to be sure, I requested the payee be blocked from my account and had to endure a 45 min recorded conversation with CitiBanks "customer Service" department locatd in the Phillipines. I was told "we will not send any payment to this party and they will be BLOCKED from your account so if you ever change your mind, you will not be able to pay this party by automatic withdrawal" GREAT that is what I wanted. Did the stop pay actually happen? NO. Citibank again deducted my account and sent the money to the payee that I had requested the stop payment on. Now I am over drawn. I get the royal fuck whenever I call Citibank. I am transferred from Calfiornia to the Phillipines back to Texas. It's just one big cluster fuck!! All these banks suck. All the cell phone companies suck all the cable companies suck. There just is no operating business in the United States that gives a goddamn anymore!!!

John

28 October 2009
The biggest New York City based banks are IMO the worst banks in all the United States (probably on earth). Specifically Citibank and J.P. Morgan Chase, - I have medium size accounts with both banks (in excess of $75,000 and $50,000 respectively). I will be closing both accounts ASAP. Several years ago when I was still working, I was the victim of identity theft because of Citibanks insecure, inadequate, so-called security policies which required an ATM/Debit card (or Citi credit card with a PIN) to use online banking. Then to enter your pin number online to setup an online account. Hackers had hacked into their network (or my computer) somehow and got my name, address, and pin number. They then called Citi customer service and said they were me, and they had lost their debit/atm card, changed my address and had a new one mailed to their address. I have never used an ATM/debit card and I did not want a Citibank card (of any kind), especially with their high interest rates. The only reason I even had it issued is because I was compelled to, -if I wanted to use their online banking. The criminals involved went into Citibank branches in the Southern CA area (I live in the Bay Area) and using the ATM/Debit card as identification with no drivers license, (by swiping the card at the teller and then entering the pin number) -withdrew almost $14,000 from my account before Citibanks own "safety dept." turned off access to the account for suspicious activity. When I discovered the money was missing (I was also contacted by the Citibank "safety" dept.) and filed a request for re-imbursement as fraud; They almost outright accused me of taking the money myself, and then trying to commit fraud by filing the re-imbursement request. Under Federal law (and their own policies), the account was insured by the FDIC and required that the customer be reimbursed within 30 days. It took about two months for them to complete their investigation and reimburse me, all the while causing me an enormous amount of work, phone calls, letters, stress and subsequent health problems. I should have closed my account then, but instead I forgave them because of the apologetic corporate response I got once I contacted Citibank executives and the Federal government. Big mistake. Since then (2001), I have had had one problem after another which I will not elaborate on at this time. Citibank customer service (and their outsourcing) is among the worst (of any company) I have ever had to deal with.
My CHASE bank experiences are another story (and equally abysmal). These banks in particular were in the very same business practices as the rest the Wall Street cronies and had to be bailed out by the taxpayers, only to be "gifted" other financial institutions (that were not bailed out because they were not to big to fail) for pennies on the dollar such as Washington Mutual, (best bank I ever had) by CHASE N.A. -The plain truth here is; big banks get bigger and become even more bureaucratic, care less for the customer, and more about profits. Close your accounts and/or do not open any new ones. I never even had accounts with either of these banks until they took over the banks I had originally opened accounts with (who I liked) and completely changed those banks for the worse.
Please heed my warning, -it's in your best interest

It seemed funny at the time

So, this is going to be me talking about a dream I had. If you hate hearing people talk about their dreams, tune out now. I personally like hearing about the crazy shit our subconscious comes up with, so I share my own.

So, for some reason I'm in a bar. The barman has a strong Irish accents. I'm not a customer of the bar, though, I'm more like a trainee. The barman is filling me in on the tricks of the trade, and this includes, naturally, the drinking habits of whales: "Your mink whale, that's a smallish whale with small eyes, whisky sour, and it'll drink you under, under, under the table. Completely shit faced," he says, in his charming accent. "White whales now, they'll drink you under, under, under, under, under, under the table and completely under water. Absolutely paralytic." This was accompanied by an infographic of these two types of whale on a nearby screen, showing them sinking to different depths with little stylised bottles of alcohol and double-Xs for eyes.

For some reason, this was so hilarious that I woke up laughing, and laughed continuously for half a minute, and felt compelled to write it down. Which is why, this morning, I woke up next to a pad with these words on it, and decided to share it with you.

The bar is, I guess, because I've been in a lot of bars recently. The Irishman is easy -- my landlady's ex-boyfriend, who installed my blinds (it's a long story) is Irish. The infographic was ripped straight out of Hitchhiker's Guide to the Galaxy. Whales are because I was recently looking up the movie Star Trek IV, because (as Josh reminded me) there's a scene in which you can see the Golden Gate from the windows of Starfleet Command, and I was wondering where the building would have had to have been to actually get that view (I think on Marin County headlands, but I'm not certain).

In other news...

I've not got any of my bank cards yet, but money has started turning up in my online-accessible bank accounts, so I've been able to pay my bills and I'm generally feeling a bit more positively disposed towards the world. I still think Citibank sucks, though.

Something is happening

At Widgets HQ.

P.S. Today I have discovered I am all about chai tea. But it's okay, I'm not a hippy because I don't have them with soy milk.

marc

13 March 2007
How come the workstation at camera 2 is so much less fancy than the others? Is that the time-out corner?

SueTube

Muy interesante, no?

1. How do you feel about Viacom's $1 billion lawsuit against YouTube?
Media companies need to protect their rights 18%
YouTube and media companies should negotiate a deal 29%
YouTube shouldn't be liable at all 49%
Not sure 5%

So it was pretty inevitable that if you took a site based on profiting off of massive copyright infringement like YouTube clearly is, then gave it a parent company with gigantic cash reserves like Google has (that's $10 billion and counting, folks), somebody in the media industry would decide it would be more profitable to just take them for everything they have rather than merely a share of advertising revenue.

And to be fair, the media industry does have something of a point. They hired the artists, the equipment, the sets, the buildings, the producers, and everything, spent years making all this content, and then YouTube started selling that content to other people, and has the gall to suggest that only a portion of that money belongs to the media companies. Yes, YouTube are providing a service, but nobody suggests that the guy caught selling stolen goods out of the back of his truck should be allowed to keep a few bucks because $20 TV sets are a service that everyone loves.

So like Napster, like KaZaA, like Morpheus, YouTube is going to go down and the media companies will fight over the scraps. That's not interesting, it was merely inevitable. What's interesting to me is: what the fuck was Google thinking when it bought YouTube?

Yes, YouTube announced a few major content deals with media companies immediately prior to the acquisition. Were they seriously under the impression that this was a nut they had cracked, and the other media companies would follow sheep-like into the fold? That seems an extraordinarily naive view. But in many ways Google is a naive company when it comes to copyright, for instance:

  • their genuine surprise at poor customer reaction to the announcement that GMail reads your email to discover what ads to show you
  • their "why are you pissed off?" attitude to newspapers whose content is being excerpted on Google news
  • the Google Books program, which was pretty obviously going to get in trouble for scanning in the content of thousands of books and making it available online for free
  • Plus, of course, Google Video, which was doing exactly what YouTube is doing, just less successfully

It seems in their headlong rush to make the world's information available for free, they've forgotten that not all the world wants to give away their information for free.

But the results of that CNN poll interest me enormously. We know, for instance, that ISPs are not liable for the content their users send and receive. Should GooTube get a similar dispensation?

The legal immunity of ISPs is based on twin overriding factors. Firstly, practically speaking, it's near-impossible to (cost-effectively) censor Internet traffic. The only place you might attempt to do so is at a very high level on a very large scale. Britain (via BT, which powers all but three or four of the ISPs in Britain) censors child pornography at the national level by blocking access to servers known to host it. The other country is China, which has lots of money and overriding ideological concerns.

The second, legal factor is the doctrine of "substantial non-infringing uses". This is why VHS players were legal, why cassette recorders were legal, and any number of other once-controversial technologies. Does YouTube have substantial non-infringing uses to fall back on? Does user-generated content outweight pirated content on their servers? Who knows?

Well, Google knows, presumably. Even if Google wasn't YouTube now, Google is the world's premiere* engineer of search: solving the mere problem of locating infringing versus non-infringing content shouldn't even make them break into a sweat. But they've got a catch-22: if they admit they can use their mighty search to prove that YouTube is majority non-infringing, then why can't they use it to censor out that infringing content in the first place? And, let's face it, the chances of it being majority non-infringing are low. So they're pretty much hoist by their own petard: either they admit they can't find stuff, which damages their credibility (and would probably be a lie), or they admit that they can, which opens them to legal liability.

But back to the poll: the majority of people don't want them sued. Shouldn't this mean that the law is wrong, and we should just declare YouTube a "video ISP" and waive liability? It would be nice, but it's not going to happen. I bet a majority of people didn't want Napster sued, either. This is because the majority of people (a) do not work for media companies and (b) like getting stuff for free. Just because it's popular doesn't mean it should be legal. So now what?

Well, I can't really see this going the big G's way. They've got a gigantic legal liability on their hands, and the wolves are circling. They're going to have to clamp down on YouTube, which will kill its popularity in favour of some other video-sharing startup that hasn't been sued yet (a la the Napster to Morpheus to KaZaA sequence). On top of that, they will probably have to throw a load of those cash reserves in the direction of the media companies, who will absorb the money and return to their caves to peddle their old, broken content-distribution model for a few more years. This isn't the end of Google, obviously, but it's definitely the end of YouTube, which is sad. It was nice while it lasted.

Loyalty note: "premiere" is not the same as "best", as any marketroid will tell you.

Ade B

14 March 2007
it's an online unscientific 'voodoo' poll. It's results are pretty much meaningless as it only gives us the views of those who were willing to proactively tell us them.

I wouldn't give the poll much weight at all.

Rest of your blog seems pretty spot on though.

edan

14 March 2007
Damnit, I was just getting in to YouTube.

On demand streamable tv, gogogo!

Laurie

14 March 2007
Obviously the poll isn't scientific, but given that it's on CNN Money (rather than, say, Slashdot.org, or weLoveTheRIAA.com) I don't see the respondents being particularly biased -- if anything, as presumed capitalists, they're more likely to take the side of the record companies.

Ade B

15 March 2007
Or youtube supporters ran a campaign on forums to vote the other way on it.

Or people got round the system and mutiple voted.

You just don't know what motivated people to vote.

Ade B

15 March 2007
Oh and Re: Hilary Clinton losing your vote - surely you never had a vote in the first place? Or have you applied for your green card already. :-)

ed

17 March 2007
AHEM. Green Card holders do NOT get to vote. They can be drafted, and of course have to pay taxes, but no vote.

I _might_ be a little bitter about this.....

ed

17 March 2007
And yes, the poll is obviously useless.

Ade B

19 March 2007
how long after your green card can you become naturalised then? It's about 3-5 years here.

ed

20 March 2007
It's 1 year if you served in the military, 3 if you're married to a citizen, and 5 if you got it some other random way. But you have to get the green card first, which takes years in itself....

A proud day

Here every creed and race
Find an equal place
and may God bless our nation
(from The Trinidadian National Anthem)

The Archdeacon of Tobago doesn't want Elton John to perform at the Plymouth* Jazz festival. Because he's not a jazz singer? No, because he's gay. And because Trinidad and Tobago is not so great at keeping its laws up to date and has altogether too many religions, there are still laws on the books against sodomy: passed as recently as 1986, the law provides for up to 10 years in prison for homosexual acts between consenting adults (but if you are a minor, and you commit the act, it's only five years... how lenient!). There's also another, much older law which prevents "self-confessed prostitutes and homosexuals" from entering the country, but I cannot find any record of it online.

It doesn't look like this will really happen, of course. Gay rights has come a long way in Trinidad in recent years. But this kind of story just makes me want to weep for my stupid, stupid, beloved country. This isn't being covered in "politics", guys, it's being carried in the "weird news" section! We are the laughingstock of half a dozen nations for even giving this idiot deacon the time of day.

* That's Plymouth, Tobago. British colonists were not good at original names.

jimmy

16 March 2007
Have a look at:
http://www.immigration.gov.tt/documentlibrary/downloads/13/Imm%20Act%20&%20Regs.pdf
"entry into Trinidad and Tobago of the persons described in this subsection, other than citizens and, subject to section 7(2), residents, is prohibited, namely -
prostitutes, homosexuals or persons living on the
earnings of prostitutes or homosexuals, or persons
reasonably suspected as coming to Trinidad and
Tobago for these or any other immoral purposes;"

What's telling is that this document was updated as recently as 1995.

Furthermore while you have experience of Trinidadians as progressive; this is by no means universal. Although I'd like to believe that Trinidad was slowly acquiring western values, statements like: "They want to Europeanize everything. They want to turn us into homosexuals. The European Parliament wants to pass legislation forcing countries that depend on them for aid, grants or technical expertise, and so forth, they want you to pass legislation so that homosexuality could become law (Finance Committee Report, Trinidad and Tobago Hansard, Sept. 22, 2000:908)" strongly suggest otherwise.

If the government and church criminialize homosexual activity and demonize homosexuals, and dancehall music calls for us to be shot, there's little hope for homosexuals in Trinidadian society in the near future.

Of course allowing Elton John to perform makes a mockery of the law. But the point remains, I would not feel safe visiting Trinidad with my partner, and equally would not feel safe immigrating as an openly homosexual man. Society demands that you hide your sexuality, and I'm no longer willing to live my life in the closet constantly in fear of being abused for who I am.

marc

17 March 2007
My take on it is that Trinidad, to some extent at least, is experiencing the Victorian age 100 years later. Victorian morality, in the sense we think of it today, rose largely because of the growth of the middle class and the fact that gentility, or the facade of it, became accessible to growing numbers of people. Fast-forward a hundred years from the mid 1800s and you've got Trinidad emerging from colonialism, the prosperity of the oil years, and the growth for the first time of a middle class in the Caribbean. Of course, religiosity is the root of homophobia as it's being manifested now, but that religiosity has its own roots in part going back thirty, forty years to grasping for respectability (the turn to religion is also based, historically, of course, in fighting colonial oppression; but at least in the earlier phases, the rise of calypso was the secular that balanced the sacred).

What results is a society that, very much like Victorian England pre-1895, is not based so much on punishment or searching out transgressors, but one in which the semblance of respectability must be maintained at all times. The Wilde trials were iconic because they forced England to confront what was, essentially, fine as long as it was kept in the private sphere and out of the public. In a similar manner, you've got a society in Trinidad in which there are numerous well-respected public figures who are generally known to be gay but continue to be accepted by society as long as they don't breach the boundary between private and public. A publicly gay figure like Elton coming to the country plays havoc with that delicate balance and, therefore, you end up with Archdeacon Asshole coming to the rescue.

In summary: we're a fucked up society.

Laurie

17 March 2007
Thanks Marc, that was eloquent and interesting, if depressing.

I'm not sure I buy your theory that Trinidad has only now acquired an emerging middle class: our middle class was born in the *last* oil boom, in the 70s, and they've been hanging around pretty solidly since then. It has certainly grown considerably in recent years, but I can't say I've noticed much growing religiosity as a result of that. But that could be because I'm so out of touch with T&T.

Laurie

17 March 2007
Man those buttons on the right suck; I wish I had time to update this goddamn site.

marc

18 March 2007
Oh, I agree with you--that's why I located the rise of the middle class 100 years after the middle decades of the 19th century (when a similar rise occurred cos of political reform, industrialization, etc), the masses gaining political power from the end of colonialism and economic power during the oil boom. This religious fervor's been brewing for a few decades. The interesting thing to see is if and when there'll be a breach in the near future. This Elton John thing's a hubbub, but it'll be a nine-day wonder cos he's considered an outsider.

jimmy

18 March 2007
You're not going to believe this...
In 2000 the Sexual Offences Act was amended. The punishment for buggery was increased from 10 years of prison to 25 years.

See the Amendment: http://www.ttparliament.org/bills/acts/2000/a2000-31.pdf (and the complete act: http://rgd.legalaffairs.gov.tt/Laws/Chs.%2010-13/11.28/11.28.htm).

" 13. (1) A person who commits buggery is guilty of an offence and is liable on conviction to imprisonment—
(a) if committed by an adult on a minor, for life;
(b) if committed by an adult on another adult, for twenty-five years;
(c) if committed by a minor, for five years.
(2) In this section “buggery” means sexual inter course per anum by a male person with a male person or by a male person with a female person."

What's nice is that if you run a brothel you'll only get 5 years in prison, but two consenting adults having sex will be locked up for a quarter of their lives.

Makes me sad :(

A Friend

15 November 2008
This is a bit misleading.

The "buggery" statute is not primarily aimed at or used against homosexuals and ha not been for hundreds of years in Britain (and them Trinidad).

It is primarily a "filler charge" as anyone who watches the news can see--slapped mainly on heterosexual rapists who the prosecutor really wants to slam.

That is is "gay persecution" is mostly made-up by activists with nothing else to do. Honestly.

Nobody can produce a gay man charged with sodomy in Trinidad or Jamaica in 50 years. I challenge you to look.

Inspirational

O'bama: barackobama.com

So today I went to see Barack Obama address a rally in Oakland, roughly the equivalent of making a trip to zone four -- not crazy far, but you don't go there much. I was glad I went. Photos of the event are already turning up on Flickr.

The first thing that surprised me was that the event was ticketed: there were huge, and I mean huge lines to get into a gated off area in front of a stage where Obama was to be speaking. The tickets were free, though, and they were handing them out outside the gates -- you just had to sign up with your name and email address, presumably so they can spam you later for fundraising purposes. Alright by me: as a non-resident alien, I can't vote and I can't donate money, so I can only very indirectly support the campaign.

The crowd was interesting in itself. Firstly, keep in mind that the election is still not for another, oh, 20 months or so. So the fact that there was a rally at all was interesting. The second is the composition of the crowd: Oakland is a very black city, to be sure (about 33% according to Wikipedia), but this crowd seemed closer to half black. Dunno if that's good or bad for his campaign, really.

The publicity said "gates open at 3pm". I was pretty sure this didn't mean he'd be speaking at that time, but I thought hey, maybe 20 minutes later. Nope: he didn't start talking until 4pm. Until then, the crowd had a warm up band. It was all very friendly. The crowd soon realized that the layout of the venue meant that almost nobody would be able to see the stage (the layout of the park in front of city hall meant it was in a depression, and most people were on a raised park), so there was almost no jostling for place: everyone was content just to hear the man speak. There was a lot of good-natured backchat, especially about the choice of warm-up music: Start it Up by the Stones, Beautiful Day by U2 and a bunch of other liberal-left-rally clich�s that have been used by Labour in the UK as well.

The mayor of Oakland gave a brief welcome speech, followed by a clumsy, stilted but heartfelt speech by a young, recently returned Iraq veteran about, well, about how much he liked the Bay Area, really. It didn't seem to be very political, it was just kind of heartwarming. Then the man himself turned up, to hugely enthusiastic cheering from the crowd. And here's where I refer to my notes, typed into a series of saved text messages on my phone. Because I didn't just want to remember "he spoke very well", I wanted to remember exactly what he said, and specifically what his campaign promises were. I know one of the main criticisms levelled at him is that he's charismatic and friendly but light on policies, so here was my chance to hear exactly what it was he planned. This is why I came to the rally.

He opened with a joke, talking about the day he announced his candidacy, a "glorious, crisp, 7 degree day" and how he was worried that it would be too cold, that nobody would show up: 17,000 people showed up. From this he moved on to talking about life on the campaign trail, and his wife, and a joke about his kids and their reaction to daddy's "president thing". These jokes didn't come off like stilted, poorly-timed one-liners (aka "Kerry jokes"). They were natural and fitted in with everything else he was saying; they were just funny. Obviously he's done this speech a hundred times and it's all been rehearsed, but so were Kerry's speeches and Kerry's jokes were lousy.

One of his kids had asked "why are we here?" on the campaign trail, and he used that to segue into a question about why everyone was here at the rally. We were here, he said, to prevent the Republicans turning the nation into somewhere meaner and poorer, to solve the problems in the country: healthcare and education, math and science scores, a lack of qualified graduates, too-expensive college education (a big cheer on that one from the Berkeley students). He wants to give this country an energy strategy, to make it less dependent on unstable oil nations (though no details). He wants to end the war (huge cheer), he wants to tackle global warming and climate change, he wants a fairer distribution of the gains of the economy; a better quality of life for everyone.

So far, so politics. But this was all delivered incredibly eloquently, with sincerity that rang in every word. It was great. But he was just getting warmed up.

He thinks war has harmed America's influence around the world, drained it financially, and made it less safe. He gave a heart-rending story about meeting a terribly wounded soldier and his family, and about how hard it was for that family. He used this to make the point: this soldier's drastically changed life, the hardship he and his family were going through, was the direct result of a decision made by the President. "Politics is not a game", he said, and politicians have lost sight of that. Politics is about ordinary people, their lives, and what they want out of them. He wants to get rid of the cynicism and corruption that has infected politics, and replace it with the politics of hope.

This went down very well with the crowd and with me. The image of the Bushies making decisions without thinking of the consequences, like a giant board game, was very striking without him having to draw it explicitly. He was in full swing now, with no end of quotable quotes.

Many people, he said, point to his lack of experience. He disagreed: his experience as a community leader "showed me that ordinary people can do extraordinary things", his experience as a civil rights attorney showed him that "fairness and justice must be fought for every day". His experience in the senate had led him to introduce laws on racial profiling, reforms of ethics, and other legislative achievement. He didn't have much Washington experience, he said, but he had enough to know that Washington had to change.

And by this point I, and everybody else, was eating out of his hand. We know this, of course we know this, that the system is rotten and needs to be reformed. Keep a clear head, listen carefully: has he said anything concrete yet? Are there any campaign promises in there? Not really. But right on cue, he got into specifics.

Improve healthcare by focussing on lowering costs and improving preventative care to eliminate costly emergency room visits. Take better care of those with diabetes and other chronic diseases, to prevent them hitting the emergency room so often. And then, "and I want to be accountable for this" universal healthcare by the end of his first term in office.

Did he really just promise to give the 45 million uninsured people healthcare within 4 years? Well, no: he promised universal healthcare, by means unspecified. But that's still a pretty big promise, a pretty specific promise, and an unambiguous deadline to achieve it.

The promises continued, in the form of a parade of optimism: "we know what to do, we know how to fix these things": invest in teachers, strengthen unions (big cheer, oh dear, pandering), invest in broadband for the poor and rural areas, cap carbon emissions (no specifics), and interestingly, create new jobs and a whole new sector of the economy by creating industries based around alternative energy and environmentally-friendly technology. End the war (huge cheer) and use the money saved to solve problems at home. Withdraw troops, starting May 1st and ending before the election, but safely and responsibly, without putting the troops at risk and giving Iraqi forces time to take the place of the Americans. And to take care of those wounded soldiers, with healthcare and counselling.

And there it ended, an hour later: a pretty clear platform of income redistribution, health and education, with a strong focus on energy policy and green issues. No talk of foreign policy, no talk of gay rights (disappointingly, no mention of the ongoing Don't Ask, Don't Tell controversy stirred up by general Pace, but you can see why he's avoiding that disaster for democrats). And, yes, a shortage of firm policy promises, although universal healthcare is pretty specific and pretty audacious.

Above all, it was a message of optimism: yes, the system is broken, but it can be fixed, by us, right now. And this funny, sincere, incredibly, hypnotically charismatic man seems like just the right guy to do it.

Oldest Brother

18 March 2007
This report misses the most important thing that happened during the rally...?

Laurie

19 March 2007
I omitted the fact that you called me in order to avoid mentioning that you'd not heard of him. All the cool kids know Obama!

ed

22 March 2007
"Universal healthcare" is not a specific promise; it's a rhetorical device. "Expand Medicare to everyone" is specific. "Single-payer is the way forward" is specific. That's the sort of thing I want to start hearing from Barack.

Miscellaneous followups

So, regular readers* keep asking me a few questions about earlier posts, so I have a few loose ends to tie up.

  • Why, yes, I did find a Popstarz equivalent, and it's called Popscene. Why do indie clubs all have the word "pop" in their names? It's mainly straight, but only in as much as SF is mostly straight, so no end of gays.
  • I did finally get a replacement bed for the too-soft one that was ruining my back. It's lovely. I feel like a character out of The Sims after you buy them a 10 Comfort bed: I sleep less but feel more refreshed and my productivity has risen.
  • The weather is absolutely awesome. I love sunshine, and there's so much more of it here (although as I type this it is rainy and overcast; the first time in days).
  • It's even geekier than I thought. Futurama references are actually not geeky enough.
  • The hippies are hilarious, and ubiquitous. You just begin to take it for granted that everything you eat is organic/fairtrade/vegetarian/dusted with pixie stardust.
  • Work's going very nicely thanks, we release Widgets 4 on Wednesday at midnight, and it's okay for me to tell you that 'cause we have a frickin' countdown on the front page telling everybody. Is the website done then? Don't be silly. No pressure though.

In other terribly, terribly exciting news, I finally got around to buying myself a new computer to replace my aging 4-year-old machine, which has been struggling under the weight of my modern apps. It is gigantic and made of brushed aluminium (which I have not yet begun to mispronounce), like iTunes 3 made flesh. I have yet to buy the pair of gigantic monitors I have planned for it; those are what I'm blowing next month's paycheck on...

Whoops, I was so busy yesterday I didn't check my email. I'll get back to you all in a second.

* There are apparently several hundred of you, plus a thousand-plus casual visitors every month. God knows where you all come from.

edan

20 March 2007
Haha, same name as the indie club in 1st year of uni. Nice. Early Blur ftw.

Launched!

The countdown is over and the Yahoo! Widgets 4 is officially launched! It's fun to be able to be part of launching a product that I'd actually recommend my friends use. So go get it!

In other Widgety news, you can check out our Flickr stream (add konfabulistas as a contact; we'll add you so you can see friends-only photos) and stalk our PM on twitter. Check out posts like Why build a Widget? and some early tutorials as well as the spiffy new manual that yours truly spent quite some time bashing into a functional state.

It's now 1am. Can I sleep now?

Update: it seems people really like us.

Robert McIlveen

22 March 2007
What is it? And shouldI be concerned that I missed the first three?

Laurie

23 March 2007
It's software that allows you to run lots of useful little mini-applications on your computer, written by anyone. It's easiest to talk about them in terms of a particular Widget that you'd find interesting -- so a recent headlines widget or something.

Here comes... Dr. Tran

This has entertained me a lot recently. Then watch this: