Apparently few mathematics advances are discovered by people over 40 - you don't get to be a better mathematician with age apparently. However Biology related discovers are more common in the over 40's beyond a certain point at least.
Experience counts for one but not the other.
Perhaps some experiences help and some do not. Perhaps experience help in Mathematics but other factors serve to neutralize the effect?
In golf professional golfers peek between the age of 30 and 45, here perhaps experience and physical ability work as opposite interests. As Every golfer knows Golf is more about the mind than it is about physical ability. Tiger Woods turned pro at 22 won his first major at 23.
What about Chess? Garry Kasparov became world champion at 22 which he held until he was 37. Suggesting that intellectual capacity is available and important at relatively young age.
............
Sunday, February 08, 2009
Thursday, February 05, 2009
The next bloody idiot award goes to .....
ANZ
Charging me $25 for going over my account balance by $10 at the ATM. Do they have figured out that instead of saying "sorry you don't have enough funds" they just give you the money and charge $25 without warning.
They probably have some analysis that shows that customers:
1. don't blame the bank when the customer goes overdrawn
2. don't leave because of this
They then came to the conclusion that this was money for nothing and they could not resist.
This may be true in the short term, but here is at lease one customer that will not buy more from ANZ because of this. In fact banks have found it very difficult to get customers to buy other products outside the basic normal ones. While customers trust banks and are not unhappy with the service they are reluctant to buy other products from them. In part, in my opinion, because of the types of behaviours in billings and fees that I recently experienced.
Charging me $25 for going over my account balance by $10 at the ATM. Do they have figured out that instead of saying "sorry you don't have enough funds" they just give you the money and charge $25 without warning.
They probably have some analysis that shows that customers:
1. don't blame the bank when the customer goes overdrawn
2. don't leave because of this
They then came to the conclusion that this was money for nothing and they could not resist.
This may be true in the short term, but here is at lease one customer that will not buy more from ANZ because of this. In fact banks have found it very difficult to get customers to buy other products outside the basic normal ones. While customers trust banks and are not unhappy with the service they are reluctant to buy other products from them. In part, in my opinion, because of the types of behaviours in billings and fees that I recently experienced.
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