Friday, July 20, 2007

1 step forward, to a dead end

Well, I went in to Fifth Third and talked the situation over with them. The rep there was very helpful, and admitted that Fifth Third should have a better way of notifying people that their account can't be used because of inactivity. Then he called HSBC, and explained the situation, that it was the bank's fault that the payment was late.

HSBC was willing to remove the late fee. The interest rate, however, is stuck at 20.5%; they will not bring it back down to 4.99%. Their rep did say I should call back in from time to time to see if a special rate had become available.

I learned something, and am going to be taking Mike's advice. If you pay on-line, do it from the creditor's side, not from the bank's side. It should post that same day, without any delay. Also, deposit a dollar from time to time in any accont you aren't using much.

I also made it a point to pay more than was owed on a final payment. This forces the credit card company to keep sending you statements with a negative balance for a while. Serves them right for charging interest on the average daily balance for the previous month when the balance has been paid in full by the due date.

And ... I've been making sure they keep mailing out statements, instead of just e-mailing them. Safety in redundancy.

Sunday, July 15, 2007

Simplicity is Offensive

Ever wonder at the number of terms that spring up in the English language like toadstools after a warm spring rain? We have terms like :

suicide bomber - a person who straps on an explosive device and detonates it with the intent of killing himself and as many other people as possible

homicide bomber - same as previous

car / truck bomber - similar to above, but the perpetrator hopes to survive somewhere

holy warrior - a person who is devoted to killing as many people as he can in the name of his religion

jihadist - a person who is devoted to killing as many people as he can (unless they become Mohammedans also, and even that may not get them a pass) in the name of Allah, the kind, compassionate, and merciful

abortionist - person who kills as many unborn children as someone will pay him to kill

hit man - person who kills as many people as someone will pay him to kill

The simple word "murderer" would adequately describe any of the above, but would not reveal the editorial bias of the user. That tells you something about news reporters.

Wednesday, July 11, 2007

Totally bummed.

Time for an internet banking horror story.

With cash flow low, I decided to pay an HSBC bill with a Fifth Third account, on-line. The HSBC payment was due July 3rd. On June 28th, I initiated the payment on-line, from the Fifth Third website. The confirmation said the payment would be made the next business day, June 29th. Good to go, thinks I.

HSBC always sends e-mail notices about statements available and payments received. On Monday morning, July 2nd, I had still not gotten a notice. I logged in to the Fifth Third site to see what was going on. It said I had a new message. The new message was that the payment could not be processed because my account was inactive. I had to call customer service. So I did.

The girl there explained that the account was inactive because I had not used it in the past 12 months. It was the first I had heard of such a thing; they had not notified me at all, despite the girl's insistance that a letter would have been mailed out. However, I could correct the situation by going to the local branch and lifting the hold on the account, and the bill payment would go forward.

I went to the Wadsworth branch and explained the situation to a teller. She said I would have to make a deposit to reactivate the account. It could be as little as one dollar. (That, I think, is ridiculous, but I decided to play along and get the business taken care of). Then she also said that the activation would not be effective until the next business day. This was at 10AM, and I was depositing cash!!

Nothing to do but play along. Then I asked if the bill would be paid as soon as the account reactivated. She said that it would. I relaxed just a bit, and went off camping with H&R&J&I&J.

When I got back in on July 3rd, there was still no e-mail from HSBC. I decided that I needed to check. I logged in to Fifth Third. There was a new message. The account was active, effective July 3rd, but the payment request had been CANCELLED! I immediately tried again to make the payment. This time, it said it would not be made until the next business day, July 5th.

The bill had to be paid. Thursday morning, July 5th, the Fifth Third website still did not even show the payment as a pending payment. By that afternoon, it went pending. The HSBC website said my payment was late, and they were assessing a $39 late fee. But that wasn't the end of it.

Looking at the HSBC account data, I found that because the payment had not been received on time, the balance transfer rate of 4.99% had been bumped up to the default of 20.5%.

HSBC has now reported that they received the payment on July 9th.

I am not a happy camper. I think Fifth Third owes me for this.

Saturday, July 07, 2007

Again?

The other night at supper my brother Tom asked if I had contemplated another run at Congress. Quite frankly, I've let that dog sleep. There are a number of reasons why I do not anticipate getting involved in running for a political office.

The first, of course, is the media magnifying glass. Aspirants to public office have no privacy. My family is entitled to its quiet enjoyment of life, and I'm fairly certain that a media spotlight would be unwelcome. It has nothing to do with a desire to hide the dirty laundry, but a very simple conviction that people who seek to pry into the lives of others simply to uncover possible defects are perverted. Most modern reporters are perverts.

Candidates are also expected to provide three word summaries of solutions to complex problems. Those who know me best realize that such a feat is not possible; in my case, all three words would probably appear to contradict each other. The Almighty spoke the world into existence, wham! bam!, but He took the rest of the week to fine tune it. I, of course, am much less skilled or powerful.

Then there is the problem of a defining platform. It is not enough to simply say that the best government is the least government.

Government is necessary because of sin. Perfect people do not need a government. The more sinful a nation is, the more it needs controls imposed from outside. The United States was founded as a "Christian" nation, in the sense that the underlying philosphy was summed up by "We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable rights, that among these are Life, Liberty, and the pursuit of Happiness." The next statement of the declarators, however, was only partially true : "That to secure these rights, Governments are instituted among Men," (true) "deriving their just powers from the consent of the governed,..." (false).

The Scripture makes plain that it is The Almighty who institutes governments; Daniel praises Him as the one who sets up and takes down kingdoms. We read in Colossians that Jesus created principalities and powers for His own use. The "consent of the governed" has no more to do with determining the "just powers" of government than their consent to judgment by their Creator.

That said, the responsibility of man is to (1) love his Creator with all his being and (2) love his fellowmen with the same love the Creator extends to each individual. The righteous person seeks to see that his fellowman enjoys the "unalienable rights" endowed by the Creator. Whether a person lives under a monarchy, an oligarchy, or a republic, does not alter those responsibilities. In a sinless world, a righteous absolute dictator would have nothing to do, since his subjects would fulfill all their duties out of love for their Creator.

The United States began as a representative republic, was reconstructed after the Civil War as a representative democracy, and is in the process of being morphed into a parliamentary democracy. The declarators of American independence did not think through the logical end of their statement, that by means of the consent of the governed (pure democracy) the rights of the individual would be subordinated to the lusts of the masses.

Thus a political platform for a righteous candidate would not be palatable to the electorate. Recognizing the rampant sin within our culture, a Godly candidate would be required to espouse positions that would severely limit the ability of the people to exercise their destructive lusts.

A defining position of a Godly candidate (I cannot envision such a person as a politician) would be an insistance on equity. The Almighty is totally unconcerned with "fairness"; His will is to be done whether or not His creation agrees with it. Solomon wrote his instructions to his sons "to receive the instruction of wisdom, justice, and judgment, and equity", then promptly laid aside his own precepts and enslaved his own people to build his grand empire. Micah wrote that God requires that His servant "do justly", "love mercy", and "walk humbly" with his Creator. If all men are created equal, then it follows that to treat them unequally is a violation of the Creator's will. All should have equal opportunity, and none should have special privilege.

No government can function without taxation. Our Constitution forbids direct taxation unless in proportion to the census. This was a concession to the slaveholders of the south, who were allowed representatives based on 3/5 of the "non-free" persons within their states. Since private slavery has been abolished, there is no Constitutional restriction on a national poll tax. Such a flat capitation tax would be completely just and equitable, but any candidate advocating such a tax would be tarred, feathered, and lynched by popular opinion.

The closest thing approaching a flat capitation tax that might have a chance in the public arena would be a return to taxation as allowed by the Constitution -- duties, imposts, and excises "uniform throughout the United States". Because commerce today is far more global in nature than in 1787, a means of placing the tax in such a way as to grant equal competitive ability to United States enterprises would have to be adopted. Most of the trade agreements which now exist between the United States and other nations would have to be repealed.

If there were no taxes levied against production within the United States, and all retail purchases were subject to the same flat sales tax rate, an equity of taxation between the domestic and foreign producers would be accomplished. American manufactured goods would be freed from the burden of regulatory taxation, and if foreign governments sought to impose such taxes on their own production, that would remain their own obstacle to competitive pricing.

Of course, no candidate could be elected espousing such a position, and that means I would be unelectable. Going back, though, to the concept that The Almighty sets up and takes down kingdoms, it doesn't much matter to me whether such a person is electable or not. All I would care about is whether he follows God's precepts.

How high should the tax be? That is another problem. The more sinful a nation is, the more government it needs. The more government it needs, the more money it has to spend. Ergo, if the United States as a nation does not repent, it just might end up being taxed to Hell. The wages of sin have to be paid.

Friday, July 06, 2007

Jalapeno Time

Ate three nice little greenies, fresh from the garden, with my eggs this morning. Barely spicy until the bite next to the stem. YUM!