I think the Grandfather was making a different point. That because rewards cards = higher interchange fee for the merchant, this results in the merchant increasing fees on everyone (the payment networks prohibit charging a higher fee to only those paying with a credit card).
>>>The money extracted by the credit card companies and Visa causes merchants to raise prices for everyone regardless of whether they have a rewards card or use a credit card at all.
>>>This creates in effect a massive money transfer from the poor, who do not use rewards cards, to the rich consumers who do.
The poor/low-FICO scorers are either A) not getting accepted into credit card programs, B) paying higher interest rates, or C)not able to make their payments in full each month.
Compared to another individual that can put all their purchases on a rewards card and pay off their balance every month.
The pricing point isn’t that complicated either. Nearly every business accepts credit card and can’t avoid the higher credit card fees that pay out to reward programs.
I did consider this but part of the appeal was learning a new skill…and proving to myself I could do it after 15 years! But outsourcing is an option.
What should I expect to spend and time to develop for a “straightforward” app? Any particular criteria to filter for if I was to go the outsource route?
Very compelling and would be fun to learn something new. Need to research if the 3 month launch constraint can be accommodated or better to outsource. However the act of coding and learning again is very attractive. Thanks.
Pair up with a friend and learn/do together. It will help push through moments of frustration and a partner will serve as a check on giving up prematurely. Good luck!
You’ve already got a lot of great advice. I’ve been in the same position and would submit I’m still in the same spot. What has helped is “scratching an itch”, trying to do basic things. The feeling of accomplishing something, even small, is powerful and motivating.
One idea I didn’t see suggested is pairing up with a friend and working on learning/doing together. It will help push through when the learning gets overwhelming/frustrating and bring some joy back into the process. Good luck!
> But, I still 100% recommend Salesforce to companies when they ask about it. Why? Data liability. Yes Salesforce is expensive - but you are outsourcing the responsibility of dealing with sensitive data to Salesforce.
This is precisely the reason why my organization, a large Canadian FI on the commercial banking side, decided NOT to go with Salesforce. They couldn’t rationalize giving up the data and went instead with a MS Dynamics implantation. This was 10 years ago.
+1 StackOverflow remains a valuable resource but there has been a very clear shift in the responses from nurturing, supporting to snarky and mean. Perhaps it was the intention but I now think twice before posting a question and half expect the first few comments to be along the lines of "Duplicate", "What's with the lame use of <fill in blank>", etc.
It really sucks the fun out of coding but alas it has far more positives than negatives.
If your goal is to find an answer to your question, then getting a link to a duplicate question that presumably already has good answers seems at least as good as getting your own answers.
Absolutely untrue. People learn in different manners, sometimes hearing the same answer, phrased or worded differently, makes all the difference in the world in understanding.
It doesn't hurt anything to answer a similar question again, it benefits the answerer with practice, and helps the questioner with getting the answer they need.
> sometimes hearing the same answer, phrased or worded differently, makes all the difference in the world in understanding.
If you don't understand the answer, leave a comment asking for clarification.
> It doesn't hurt anything to answer a similar question again
Having people ask you the same questions over and over again who don't care at all about wasting your time drives away the people most able to answer questions.
It's happened time and time again with every type of developer discussion forum I've seen – either the rules are strict to encourage people to try their best and avoid wasting human effort, or the experienced developers eventually get fed up being treated like search engines and leave, resulting in a forum far less able to answer questions. I can't think of a place that's not ended up in one of these two situations.
> If you don't understand the answer, leave a comment asking for clarification.
In SO this will get shot down and clarifications will get edited away. It's brutal there and not helpful. I firmly believe the benefit (since it is a QA site, or is it a lets re-write the manual site?) outweighs the detriment.
> Having people ask you the same questions over and over again who don't care at all about wasting your time drives away the people most able to answer questions.
Honestly a lot of the people that answer and moderate questions there are unfriendly, the snark is high, it might be good to get a new batch of answerers in there and have the old move on. Obviously my opinion.
No, I've pretty much given up on SO, it's been years so there is evidence but I cant find it now easily. I believe you can the sentiment is true based on the number of other people with similar experiences on the site.
I don't think I've seen anybody say that comments asking for clarification on an answer get shot down, and I don't think I've seen anybody say that edits to clarify an answer get reverted either. That's why I asked.
It's all good. My main point was that people learn in different manners. Sometimes people asking the question don't realize they are asking one that has already been asked. Sometimes they don't know what they don't know. So for them it might help seeing the two similar questions be answered similarly but not exactly the same.
The question begs who is SO trying to help? People who answer questions, people who ask questions, or SO so they can rewrite technical manuals?
> Having people ask you the same questions over and over again who don't care at all about wasting your time drives away the people most able to answer questions.
I see this mentioned a number of times but it seems nobody cares to do the obvious thing: impose a tiny tiny (e.g. $1 or wait n hours after creating your account) threshold to get the privilege of asking questions.
It is almost as if some people enjoy the current situation :-/
Furthermore the current situation has already driven off a number of contributors, not everyobe because they are bored but because they find it toxic.
>>>The money extracted by the credit card companies and Visa causes merchants to raise prices for everyone regardless of whether they have a rewards card or use a credit card at all.
>>>This creates in effect a massive money transfer from the poor, who do not use rewards cards, to the rich consumers who do.