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Food for Thought

September 2, 2010

Faith healing as cause of death?

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Surfing the news and came across this article about a sad story involving faith healing and its alleged cause of the death of a premature infant.  Basically, a couple that belonged to a church that believes in faith healing delivered their baby boy with no one present that had any medical training.  To make matters worse, the boy was born 6 weeks premature, making the birth that much more difficult.  The boy died within a day of pneumonia and underdeveloped lungs.

And now the couple is being charged with manslaughter.  The assumption being that had they delivered the baby in a hospital or with modern medicine in general, the baby would have survived.  Despite what members of that faith healing church believe, I believe that yes, the baby would have survived.  My brother was born about 12 weeks early as was my sister’s baby, and both are very healthy now.  Is it still possible that the boy would of died even with modern medicine?  Of course.  But, looking at the statistics of infant mortality today versus say 100 years ago, or probably even 50 years ago, its not even close.  Worldwide, in the 1950′s, it was about 150 deaths for every 1,000 births.  Today?  About 43 for every 1,000.  I’m pretty sure its a lot higher than 150 deaths in the 1800′s.

Now, I don’t begrudge anyone their beliefs, religious or otherwise.  I personally think that religion only exists because we as a race/society fear death, and that if we were immortal, we would be a lot less religious as a society.  But we are not and unfortunately, I think most religious people no longer think or have their own thoughts.  They just listen to and believe whatever their religion tells them, similar to how the sheep believe whatever their political party tells them to believe.  But, whatever, that’s just what I think right or wrong as it may be.  That being said, I totally support the government charging this couple with manslaughter.  Having your own beliefs is one thing.  Forcing those beliefs on others, to the detriment of their health, well-being, and even life in this case, is a another thing.  I’m not saying that the government knows how to raise your children better than you do.  But, looking at the infant mortality stats I stated earlier, they have the evidence on their side in this instance.  And I think therein lies the problem.  Stats are about logic, science, deduction.  Religion, however, is based on faith.  All the statistics in the world don’t matter one bit because they believe, they have faith.

So, who is right and who is wrong?  Well, obviously if I said I sided with what the government was doing, I think the parents are in the wrong.  Generally speaking I want the government to stay out of our lives as much as possible, but there has to be some limits.  Subjecting your own health, life, and well being to your beliefs is one thing.  But, forcing it on another, whether it be your kid or your friend or a stranger, is quite another.  Its not like they said believe in our God and you will get a job, and thus only perhaps your economic well being was on the line.  They put a human life on the line.  You want to withhold medical treatment for yourself?  I’m all for it.  To force that on another, especially a very dependent infant?  I hope the government convicts and you spend some time in jail, though I guarantee it will do no good because they will just be even more resolved in their brainwashing…urrrrrr, beliefs and have another kid in the same means.

August 31, 2010

Paying bills used to be fun…:)

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No, I did not mistype that title.  Seriously.  I know it sounds crazy.  When I first got a checking account and checks, I did not write very many.  I lived at home, and had no real bills to speak of.  So, whenever I did have to pay some bills and mail them out, silly and stupid as it may sound, I actually got a little excited writing it out, putting it in the envelope, putting my return label on, putting the stamp in, and then balancing my checkbook.  I mean, I knew that when I wrote that check and sent it off, money would be deducted from my account, and at the time, I was as poor as I am now.  Maybe it was a feeling that I was finally becoming an active participant in society?  Using my hard earned money (life savings from gifts and lucky money from red envelopes) to buy stuff I wanted?

However, all that is so very different than now.  I don’t know when the change finally occurred, or if it slowly transitioned to how it is now.  But, now, it hurts so very much having to set up my payments online to mail out or to write a check to pay some utility.  That is my hard earned money leaving my already low checking account.  I had to work hard to get that money and with the click of a mouse or a stroke of the pen, gone!  I will admit that when I sent my very first mortgage payment, there was a hint/gleam of that excitement.  My very first payment in owning my own home!!  But, I just paid payment #2, and let me say that the excitement for #2 was no where near existent!  It was more like an Ouch!  My account just dropped by that much????

I’m hoping that over time, when I can slowly save more more money and pay back the people I borrowed money from to fix up my home (which I freaking haven’t moved into yet) that these bills will be, if not exciting, at least less painful and just a chore more than a gasp.

August 19, 2010

Ground Zero Mosque

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The latest controversy coming out of President Obama’s mouth is that the building of a mosque in New York at Ground Zero should be allowed.  I don’t really have any strong opinion on the matter either way, as I can see both sides of this argument.  My biggest thing is how everything in this country is so politicized now its crazy.  Nobody has real opinions anymore.  They just say and act in ways that will get them more votes or support their party.  As you can expect, pretty much every Republican pounced on the President’s words.  And I highly doubt that any of them even care.  What the heck does a person running for office in any place outside of NY care for?  I’ll tell you why.  Its because they know if they say that they are against it, then they will get some votes and maybe even make the opposing running mate look bad for not doing the same.  No longer are you voting for people who have strong views and opinions on issues, but rather people who say the things you think they want you to hear.

As for the actual controversy itself?  Like I said, I can see both sides of the argument.  On one side, I want to ask of New Yorkers and anybody else who disagrees with President Obama, if the people who were responsible for the 9/11 attacks were Catholic, would you be against the building of a Cathedral at Ground Zero?  Somehow I doubt it.  So I kind of wonder why its so easy to blame all Muslims for the attack or why its so insensitive for them to build a place of worship.  I believe that Timothy McVeigh was Catholic.  I don’t think the people in Oklahoma City blamed Catholicism for the attack, but rather blamed him.  Yes 9/11 was much bigger, and more tragic.  Are the people who actually did the attack too easy to blame and so it must be the fault of a whole religion?

On the other side, a lot of people died in the attacks, and so I understand how emotions can sway our decisions and thus I do see how people can be against it all.  Fair or unfair, legal or not legal, sometimes something just doesn’t feel right to people and when that’s the case, you just gotta go with it as there is nothing anybody can say that will change your gut feelings.  Just because something is legal doesn’t necessarily make it right.  The symbolism can be too strong, and feel too real.

I don’t think there really is a right or wrong answer to this as both sides have strong opinions either way.  So, here’s to hoping it all gets resolved without the entire Muslim religion being seen as bad guys.

August 11, 2010

Virus writers are pathetic

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My dad knows nothing about computers.  Well, that’s exaggerating, but to say he is a novice would be exaggerating as well.  He has gotten in trouble before with sending information he has not supposed to.  So I told him never to do stuff like that.  Most websites will never ask for personal information.  So, yesterday he gets something on his computer saying he has a virus, and this program called Wireshark Antivirus is saying it will remove the threat.  Turns out this “antivirus” program is in fact the virus or malware.  He is not able to use his browser as everytime he tries this “antivirus” program pops up and says he needs to remove a threat.  To remove the threat though, he needs to “pay for the full version” and thus enter in his credit card stuff.

What a pain in the ass.  I spent much of my evening trying to get rid of that crap.  I put people who write these viruses and crap in the same level as thieves.  Get a freaking job like everyone else instead of scamming and stealing from others.  What a joke.  I always find it funny that all the tech sites I read blame people for being dumb and opening attachments and such to give themselves viruses and such.  Well, let me break some news to you folks.  Not everyone is as tech savvy as you.  My dad has no clue what an attachment is.  He knows that he can get files sent to him through e-mail from friends and such, but I don’t think he knows that is what at attachment is.  I tell him, but its just another language to him and he has no clue.  Its like me trying to learn Chinese or Russian at my age.  I can attempt it, but it would be very difficult.

And you know what?  I guarantee my dad is not alone.  All the viruses that exists on people’s computers are proof enough.  The number of anti-virus programs and companies that exist are proof enough.  The news stories that come out every week are proof enough.  We lock our door at night and secure our cars and such, but generally we are a trusting people.  If someone tells us something, we tend to give them the benefit of the doubt even if we don’t know them, until it bites us in the ass.  And that’s how so many people get scammed out of things everyday.  Its quite sad and I wish that there was something that could be done about it.  Teaching people tech stuff is one thing, but them actually learning and picking them up is another.  I consider myself decent when it comes to that stuff, but I guarantee I will come across another virus at some point in the future.  I use a Macbook pro now, but I wouldn’t be surprised when these malware/virus writers target Apple users.  I always hear the argument that these writers don’t target Apple users because there are not enough of them out there.  I might agree with that…maybe.  However, I can tell you that I get so annoyed sometimes at Apple fanboys who act as if their Mac is superior this and that and act like Steve Job is a god even though they never met the man.  I’m surprised that some of these malware writers didn’t just write some crap to shut them the hell up.  Unless it really is true that when it comes to virues and malware Macs really are more secure…..I kind of doubt it but who knows.

I downloaded some spybot program for my dad’s laptop as well as some free anti-virus program, but not sure if that will prevent things in the future.  I have no idea how well that stuff works.  His other anti-virus program apparently did nothing.  I told him not to download things from people he does not know, so hopefully that doesn’t fall on def ears.

August 9, 2010

Progressive society???

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I know I’m not old or anything, but in the years that I have lived, there are so many things that I used to be able to do or remember being the norm that is not the case today.  They call it progress, but I actually miss most of them and consider it regressive, wondering how our society became a bunch of sissies and whiners.  Some of these are actually better today than they were when I was younger, but if I were to take it all or take nothing, I’d take them all and we would be living in a much better society today than it actually is.

1.  Pay .29 cents for an ice cream at Thrifty’s.  I think its like a buck or more now at Rite-Aid.  Damn inflation.

2.  Pay less than $1 for gas.  Damn inflation.

3.  Call Asian people Orientals.  I don’t know why this ever disappeared.  I never found it insulting to be called Oriental, but I guess people are just sensitive nowadays.  (See more below).

4.  Parents being able to hit/spank kids.  This is so pathetic.  You can’t even hit a kid with an open hand without having the nanny state we call our government and child advocacy groups breathing down your back.  The kids nowadays are so misbehaved its a joke.  When I was a kid, I got hit with so much more than just a hand.  In fact, “weapons” were in their hands.  I am not scared of my parents now or disrespect them or am misbehaved.  I turned out pretty darn well, if I do say so myself, and I can say the same for all my siblings.  My dad was beat down even harder than I was and he turned out great.  This whole time out crap is the stupidest thing I ever heard.

5.  Being asked the question, “smoking or non-smoking?”  I actually am totally cool with this since I hate people who smoke anywhere near me.  Go breathe your freaking cancer sticks where no one else is around you punk and throw your damn butts in the trash and not out the car or on the ground.  But, just something I remember for some reason and am reminded about every so often when I go to Vegas.

6.  Toys R Us’s return policy.  Inside joke.

7.  Being able to buy fireworks and set them off in the road in front of my house or in my own backyard.  Fock the idiots who don’t know how to use fireworks and cause fires.  Another instance of other people’s stupidity preventing me from doing something fun.

8.  My memory.  Dang cell phones.  I think they are to blame for the disappearance of my memory.  To this day, I still remember the home phone numbers of every single one of my elementary school friends and my old home phone.  The majority of those numbers are not valid anymore, but they are still in my head and I can recite them.  Today?  I don’t even know the girlfriend’s number.  If I lost my cell phone and Google’s servers all get destroyed, bye bye to all my friend’s contacts.

9.  My math skills.  I was da bomb in all levels of school with regard to math, finishing calculus in high school.  Today, I struggle to calculate tip.  Damn this losing of skills when you don’t use it!

10.  Being able to ride a bike without a helmet (if you are under 18).  I get it, I get it, its for your safety.  But, I still hate anything that the government makes me do in the name of our own well being.  I should be able to be in control of my own safety.  But, like I posted earlier, why the hell is it required to wear a bike helmet, but you can’t gamble?  WTF is up with these laws the deem some stuff okay but not others.  Its so stupid and lame and so we should just be allowed to do whatever it is we want if it only affects us.

11.  Being able to say Merry Christmas.  Are you kidding me?  I remember in school it was called Christmas Break or Easter Break.  Now?  Its some crap like Holiday Break and Spring Vacation.  I know there is supposed to be separate of church and state, but Christmas in this country goes beyond religion at this point and it should be be a freaking big deal if a company or school says Merry Christmas instead of Happy Holidays.  Christmas is a freaking national holiday for crying out loud.  Give me a freaking break.  Some people are too focking sensitive.  More about this as well below.

12.  President’s Day.  Back in the day when I was in school, we used to get Washington’s Bday off as well as Lincoln’s.  Now, its combined into one and just called President’s day.  Well fock that!  One less day off of work…:(

13.  Watching good cartoons.  When I grew up, we had awesome cartoons like Transformers, ThunderCats, He-Man, DuckTales.  Now?  I guess the dumbing of our society starts at a young age as we are stuck with drivel like Dora, SpongeBob, and whatever else I can’t think of.  Now, maybe its just cuz I’m old and don’t know what channels the “good” cartoons are.

14.  On a somewhat related note, the Cookie Monster being able to eat cookies!  This is yet another one of those are you focking kidding me categories.  He is the freaking Cookie Monster!!  He is not the Fruit Monster, so why the fock do you have him eating that crap.  What the hell has society come to where Sesame Street now must bow to the pressure of these stupid child/parent advocacy groups and teach kids to eat healthy.  Hey Joe Dad and Jane Mom.  Your kid is not fat because he watches the Cookie Monster eat cookies.  He’s fat because you focking refuse to be a parent and feed him healthy foods or get him outside to exercise.

15.  Yet another related note, people taking responsibility for their actions.  Yes, my kid is not fat cuz I am a bad parent, but because Sesame Street shows cookies as a good thing.  My kid became bad because video games are violent.  My kid is bad cuz there is too much violence on TV.  My kid is anti-social because the internet is bad.  Its not my fault I’m an idiot and spilled HOT coffee on myself, its McDonald’s.  Whatever.  Go focking take responsibility and not blame others.

16.  Being able to tell a joke.  We are so freaking sensitive nowadays and politically correct that you can’t utter a sentence nowadays without insulting some idiot.  Nowadays, unless you are a stand up comic, you cannot tell a joke about a race besides your own.  Its a damn joke for crying out loud.  There are so many things I read nowadays that are so lame it makes me cry for the days of yesteryear.  I always hate it when I read some article analyzing something and it says like, “In today’s society you just can’t say such and such.”  Why the hell not?  Focking oversensitive losers.

I probably insulted half of my 2 readers with this post, but fock you, I don’t care if I only have one reader now.  And I probably would of lost that other reader as well because I’m sure I could think of half a dozen more things from back in the good old days.

August 3, 2010

Are humans dumb and need intervention?

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I heard yesterday that there is talk that California is trying to legalize sports gambling to help its financial holes.  My first reaction was that’s lame.  How often are you going to pass new taxes or new gimmicks to fix the budget.  Here’s a novel idea.  Instead of constantly raising taxes or passing new ones, why don’t you freaking cut spending?  Every year its the same thing. Let’s tax the rich.  Let’s increase the cigarette tax.  Let’s tax soda.  Ummmm, why does the solution always include raising taxes?  Half of these damn social programs out there are wastes of money that just give people free rides.  If it was my choice, I’d rather have no taxes at all and just pay for whatever it was that I wanted.  I’d have no problem driving on toll roads if it meant that I didn’t have to pay taxes to fix the roads.  I’ll just pay when I need to use them.

Anyways, that’s actually not what I wanted to talk about….just my normal rant about how taxes suck mainly because governments wastes the money that they steal from us every paycheck.  What I really wanted to discuss was how much of a nanny state our government really should be.  Already it is illegal to use certain drugs, to gamble in most states, to smoke or drink under a certain age, to have more than one spouse, to pay for sex, etc., etc.  My question to all that is, is it really necessary?  When is too much too much?  Why the heck should it be illegal for me to place a bet because some loser down the street from me can’t control himself and wastes his paycheck doing so all the time?  Why the heck is it illegal for a woman to make a living having sex with others, but she can take her clothes off in front of others with not a word from law enforcement?  Why can’t I smoke pot if I ever wanted to?  Why does the government let us do some things but not others?  Cigarettes and alcohol can cause just as much grief and deaths as, say, marijuana right?  So, what makes one okay and not another?  Just cuz the government says so?  Just cuz some politician drafted a law for one and not for another?  Just cuz tobacco can bring in a lot of money for many states so those politicians would never abolish them?  If I buy a woman dinner and we have sex, its okay.  If I take her to a movie and have sex, its okay.  If I hand her a few bills, we both can be thrown in jail.

Laws that are “for our own good” are so lame and I wish they were abolished.  I can look over myself.  I don’t need the government to be my nanny.  Its one thing to make it illegal to murder or steal from others.  That I get.  But, who the heck am I hurting if I pay a hooker?  Maybe I am just not a social guy who wants to waste time buying a woman dinner or going on a few dates or making small talk.  Who exactly does prostitution hurt?  The guy has a good time, the woman gets a few extra bucks.  Who the fock cares.  And why can’t I smoke a little pot if I ever wanted to?

Do we really need all these laws to watch over ourselves?  If it was legal to gamble, to drink, to smoke, to do cocaine, to be a hooker, would we as a society cease to exist?  Are all those things illegal because the government really believes they are helping us from ourselves, or is it illegal because people consider them “wrong?”  Which brings me back to governments trying to make sports betting and online gaming legal.  I personally thing I can control myself from going crazy gambling, but apparently it doesn’t matter what I think or feel because the government has decided for me.  But, here is my question to that.  Why is it legal to have a lottery and horse racing, and card clubs and casinos on Indian Reservations in California, but not any other type of gambling anywhere else in California?  It makes no sense that some gambling is allowed but others are not.  It just seems so arbitrary.  I can buy a lotto ticket for a buck, but I can’t bet on the Lakers or put a dollar in a slot machine? So lame.  What makes it even more lame is that I know I can bet on sports any time I want any way.  Make a call or click a few buttons and its done.  So, why make it illegal when anyone who wants to do it will do so anyway.  Might as well just legalize it all and earn a couple extra bucks regulating it if you want.  We should just let people do what they want.  If they can’t look after themselves that should be their problem, and not mine.  Its my freaking tax dollars which are being wasted enforcing these stupid laws.

July 29, 2010

Superpower for me

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I’ve had this conversation with my friend in the past about what superpower I would want to have if I were to have one.  I know that this conversation is nothing original and many people have had it.  Anyway, on the heels of Comic-Con, it sounds like as good a time as any to post something about this topic.  My friend said that he would choose to fly.  And, I do not disagree with him.  That is a very intriguing power, one that I also would quite enjoy.  However, after thinking on it, it was not the power that I would choose for myself.  Me?  It would be one of two things, both of which would satisfy my huge curiosity.  What are those?

I would choose either time travel or immortality, and if I had to choose between those two, it would be time travel for reasons I will explain later.  But, why this power?  Because you do not know how often I have thought about how the world really was back in the day, not just say 100 years ago, but even like thousands and millions of years ago.  No longer would I have to read false history books which only print the jaded history of the conquerors.  I can see for myself what really happened or how life really was.  How did humans really come to be?  Did the chicken really come first or the egg?  Did dinosaurs really exist?  Evolution real?  I could find out for myself the way of the world and not have to listen or read textbooks, religions, historians, etc.  As much as they claim to know what really happened, they don’t.  They think it, or believe it.  It would be so great to just know.

And the on the flip side, I am always also so very curious about where we as a species will end up 100s of years in the future.  Will we really have flying cars?  Will we have cancer cured?  Global warming for real?  How much longer will the US last as a superpower?  What other technologies out there will exist that we can’t even comprehend now?  What will the Earth be like once humans are gone?  Or will humans last as long as the planet will?  It is all just so fascinating and I will not be around for even a small fraction of that to find out what really happens and where we end up.  It is just so fascinating to me and honestly I really wish and want to know. But alas, this debate is only for powers we wished we had, not once we actually can…

As for why time travel over immortality?  Three reasons.  Time travel lets me go back and forth.  Now, if I had only immortality, I’d be okay with that because the knowledge going forward would satisfy my curiosity enough.  It would be a much, much slower process, but it would ensure I get there till the end.  However, because I live through life to get there, nothing would shock me and I would be able to live in that time period.  If I just travel 1000 years into the future, I might not understand anything that I see!  And two?  It would suck to live that long while every generation people you loved would die away.  I think that would be just too painful and not sure its something that I’d want to endure every 75 years or so.  My curiosity is huge, but is that worth the price?  I would probably end up being a hermit because it would be less painful that way, but is that any way to live?  And finally three, what the heck am I going to do once all humans die??  Yes, I’ll know what happened, but I’d be bored as hell.  And imagine if the earth died or exploded, and I’m still immortal.  Would I just float through space for eternity, with no sound whatsoever (since there is no sound in space).  That would be terrible and not worth the price of knowledge, in my opinion.  Granted that probably won’t happen for thousands if not millions of years, but once I do get there, the past million or so years would seem like paradise as I just float aimlessly in spaces for millions more.  Who knows, maybe eventually I’d float someplace where there was another life form?  But, not worth it.  Time travel for me.

July 27, 2010

Techno savvy vs Handy man skills

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The more and more stuff I do to my house, and trust me when I say it is very simple like taking off wallpaper or baseboards or crap like that, the more I realize and remind myself that my handy skills are crap.  I am slow, and I am not good at it.  A terrible combination.  Why do I mention that?  Well, I guess not only to degrade myself, but also to point out something that I’ve noticed.  Before getting my home, I had always noticed that 9 out of 10 mechanics I saw had no emails addresses and/or ancient computers.  I mean, they had computers out in the garage since nowadays many of the new cars require computer systems to maintain them and such.  But, out in the office?  More often than not I see these green screen monstrosities.

Fast forward to present.  I’ve called a few people to come over for estimates for things such as putting down flooring, looking at my pool, etc.  Most of these people also either had no email addresses, or if they did, they did not respond to them so they might as well not have one.  If you have an email address, why not respond to it???  I would venture to guess that when they first got that email, no one wrote and they checked often for nothing.  So, they stopped checking it.

Anyway, one of these guys who came to my house and we started talking.  He mentioned how he just got a Mac like a year ago, but he has not been able to set it up with the printer he has at home.  Inside I started laughing.  Aren’t Macs supposed to just work???  I told him to to go to his printer’s website and he would be able to download the necessary drivers.  He said he would, but I kind of wondered if he knew what I was talking about.  I say that not to be demeaning, but because when someone talks to me about a subject that I do not have any clue about, I often nod my head in understanding even though I have no clue what the person is talking about.  After finishing up, he told me that he could send me the proposal, and silly me I assumed he meant by email.  However, he did not, and so we started talking about that.  I told him that in my experience it seemed that most hands on people like himself didn’t appear to be techno savvy.  He agreed, but he said that he could turn it around and wonder why I don’t know how to install drywall.  Touche.

Its funny how and why people learn the things that they do.  I’ve never really liked physical labor, so is that why I don’t know how to install the above mentioned drywall?  I guarantee I could find and install that guy’s printer drives for his Mac in a short time.  He’s had his computer for a year now!  It totally reminds me of myself.  If I don’t know how to do something, I so often just push it aside if it is not super important.  Obviously printing falls in that category for him.  And I bet that even if I could not find that guy’s drivers really fast, I’d spend the time it takes to figure it out and would have no problem doing it.  Why?  Cuz those kinds of things interest me more and I have decent knowledge of it, and when something interests you more and you know a little something about it, you firstly tend to put more effort into it and secondly you have an idea of how and where to look!  I guarantee if I found some instructions on how to install drywall, they would use some vocab that I had no clue what it meant.

So, I guess it all just boils down to interest while growing up.  These contractors, handimen, mechanics, etc are good with their hands.  They see things, feel them, and understand them.  But maybe things like email and printer drivers do not interest them at all.  Maybe if they can’t see them then its a complete mystery to them.  Or maybe, like me, they don’t really want to learn.  After all, I’ve found over the years that no matter how hard or how long you study for something, you will never learn it unless you want to learn it.

July 14, 2010

Business hours vs work hours

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I got my house fumigated and it will be done tomorrow.  I called my gas company and they will be turning the gas back on in my home on Friday.  I set up an appointment for Friday.  They asked if I would be free from 7 am to 5 pm, and I was like, sure what time exactly.  And then they said, they don’t know, the guy could stop by any time during that period.  I was thinking WTF, do I sound like a 1950′s housewife who is home all day for when you can come over to turn the gas on in my house?  I was like, I have to work, can’t you give a more specific time so that I can go over there.  They said, how about between 8 and 12.  Haha.  Oh wow, thanks.  Do you have any appointments on Saturday?  No.  Of course.  I asked if their guys have cell phones and they can call me maybe an hour before they show up and of course she said no.  Fock.  I just told them 8 to 12 would be fine and then decided to take a vacation day on Friday so that the guy can come over for maybe 5 minutes.  Oh well, good thing I have a lot of those.

But, here’s my rant.  We live in a very technological day and age now, and there are not nearly as many single income households where someone can stay home and wait for some type of serviceman to come over.  I guarantee the guy who comes to my house has a cell phone on Friday.  They could probably fit so many more appointments if they would use it, and it would be more convenient for the customers.  So why not do it?  Instead, people have to waste half to all their day.

Now, this really doesn’t affect me all that much.   I am accruing too much vacation time at the moment and have to use them anyway.  But, it got me thinking.  Almost every single business out there pretty much works 8 to 5ish.  Whether it be an office job, doctor, dentist, gas company, cable company, electrician, etc.  Doctors, dentists, etc, almost never work on the weekends (except for emergency ones).  Thus, if anyone out there ever needs some type of service, they have to take some time off of work.  It made me realize how fortunate I am that I do have things like paid vacation and sick days.  There are so many people in this country that don’t have that.  I mean, if I am a person living paycheck to paycheck and I get sick and I don’t have paid sick days, do you really think that I am going to take a sick day?  You think I care if I get my co-workers sick?  I have a family to feed.  People always say that you should go to the doctor and such if you get sick, especially if you have insurance.  All you have to do is pay for the copay right?  Ummm, no.  Not if you don’t have paid sick days.  You have to pay the co-pay as well as whatever it costs for you to miss that many hours of work.  So, unless I am dying, you really think I am going to miss out on pay to go see a doctor who is just going to make me wait an hour, then see me for 5 minutes and tell me to rest and take more time off work or just take these antibiotics?  Don’t think so.  I may have insurance, but that’s pretty much just for emergencies.  I have bills to pay, and getting sick doesn’t pay for that.

Now, that being said, I always wondered why our society didn’t function in 2 sections of some sort.  Maybe have like a 6 to 3 shift and like a 10 to 7 shift, or something like that.  That way, people who work 6 to 3 can see doctors, dentists, cable guys, etc from like 3 to 7, and people working 10 to 7 can see them 6 to 10.  But, I guess that would be too radical.  We have to make the assumption that everyone does have paid time off and so can use that paid time off to go see doctors and dentists that work the same hours that they do.

June 22, 2010

Illegal bank and credit card fees

0

Over the last few months and year, I’ve read over and over again about these new regulations on the banks and financial industries.  I think I’ve read things like limiting the amount of fees that credit cards can impose, limiting how high, if at all, the interest rate can go up on cards, ATM fee limits, preventing banks from automatically enrolling customers in overdraft protection so that they can’t be automatically charged overdraft fees,  etc, etc.  And you know what?  Every single time I read one of these, I think its super lame and its not going to matter and will probably cost us more instead in other ways.

Why?  Because this is corporate America we are talking about.  They ONLY care about money, not about people.  ONLY money.  So, if you take away millions of dollars from them by preventing them from applying certain types of fees, they are not going to just say okay.  They will make up those millions of dollars by charging other fees that are not illegal, or raising the costs of other services, or who knows what else.  It is just going to cost us more in other ways because no way they just give up those millions of dollars.  I’ve already read that more and more credit cards are starting to charge annual fees now.  And almost every time I read some type of news, they talk about how credit card companies are cutting back on their rewards programs.  My CitiBank Cashback card used to give 5% back on gas and 1% back on everything else.  No more.  Now its pretty much just 1% on everything else, and I will not be surprised if/when that drops even more and maybe even disappears.

I would venture to guess that free checking accounts will disappear, or become much more rare soon.  If they can no longer charge fees in one area, where else can they charge it?  Oh, lets charge customers X dollars every month to use their checking accounts.  These fees and regulations often make no sense to me because the corporations will always find a way to get around them.  Laws will not change their attitudes towards caring only about money.  Its the same thing with tax cheats.  Take away one safe haven, they will find a loophole to hide their money in another way.

I’m not saying that there should be no laws and no regulations at all.  But, often times I think these new laws/regulations are put up just so that government can give the Americans the impression that they are trying to do something to help them out, and not because they truly believe it will do so.  To be honest, I think the new overdraft rule is lame.  Often times you just can’t protect people from themselves.  If you only have $5 bucks in your checking account, don’t use your debit card and charge $10 bucks.  I mean, its one thing if it happens once in a while, but multiple times?  It reminds me of stupid people who complained about Blockbuster’s late fees.  WTF do you have to complain about?  If you are supposed to return the tape on Wednesday and you return it Thursday instead, who the hell’s fault is that?

Anyway, all that complaining now done, I’m dreading the fact that sooner rather than later I will be seeing fees from my bank or credit card for things that used to be free, like my checking account.  Maybe I will have to move back to my credit union if those fees are too much!

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