Category Archives: Rant - Page 3

UberBastards

Posted by on June 17, 2019 No comments

I just got a piece of spam mail, to my Uber email address.  I don’t recall saying I was ok with that.

The email is sketchy as fuck.  A company name of “Opinion Research”?  None of the proper CAN-SPAM hallmarks like indicating what email address this was sent to, or why it was sent.  Only because I use unique addresses for every account, do I know this came from my Uber signup.

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The survey is run by Qualtrics, which doesn’t mean much, since they’re just a survey platform, like SurveyMonkey.  This company has their own subdomain, opinionresearch.co1.qualtrics.com, so they’re at least somewhat legit (as legit as it looks so far).

As you see in the email screenshot, I did click to unsubscribe, which I thought would bring me to a page asking if I was sure.  It didn’t, it just took me off that list.  and it gave me another link to unsubscribe from all lists.  ALL lists?  How many have I been put on?

It’s really not a big deal.  If I see that my Uber address suddenly gets spammed, I’ll shut it off and create a new one.  But really, the point is, Uber has sold me out.  Those mother fuckers.

Then, I clicked on the privacy policy.  In bold type, in very simple to understand language:

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No fucking thank you.  Recall what the original email said, “…will not be used to sell you anything.”  However, they will tailor the ads you see to the information you have given to them, then will ask you why they were or were not effective, so they can try harder next time.  What is this world coming to?

As a recent implementer of Pi-Hole (maybe a future post on that), this wouldn’t have worked at all for me anyway because my entire network is actively ad-blocked.  Suck my dick, Opinion Research!

Another Glorious Microsoft Sunset

Posted by on May 9, 2019 No comments

I remember when Microsoft discontinued Live Spaces, which held my blog.  Obviously, I’ve been happily living in WP Land since them.  I remember when Microsoft discontinued MS Money.  I switched to Quicken and eventually switched back and lived with the limited functionality provided in the sunset edition.  I remember when Microsoft discontinued Zune.  I enjoyed my devices until the point that a Windows 10 update disabled the syncing capability in the Zune software, then they were thrown away.  I remember when Microsoft discontinued the MS Band.  I used it for another year after that and for whatever reason, I just started feeling jaded while wearing it.  It sat on the shelf for months and eventually got thrown out.

It was only a couple of months ago Microsoft decided to discontinue the software that drives the Band.  The hardware is useless without the software, so even if I did still have and want to slap the Band back on, I would have no way to use it.  Along with that discontinuation, they are shutting down HealthVault.  That is a major capitulation.

HealthVault was where the band stored all its data.  It created nice graphs and charts and had the capability to hold all your medical history and data.  It was the data repository for a lot of actual medical devices like scales and glucose meters and heart monitors.  And it’s all going away.  I took a look at my old data before it all disappears.  It looks like my two MS Bands recorded data between 7/17/2015 and 1/28/2018.  All my walks, all my sleeps, some random exercise sessions, and my daily step counts.

And this is something I want to say over and over and over.  FUCK THE CLOUD.  FUCK IT TO HELL.

The fact that you can’t own anything anymore is absolute bullshit.  Let’s look at my history.  Live Spaces was free and it was taken away.  I was able to preserve my data my moving it to WordPress, which is also free and could disappear at any time.  True, but, I can install WordPress on my own web server (and I do have an instance running on my web server!) and it will never go away again.  MS Money was not free and was discontinued.  I was able to keep using it afterwards.  This is how things should be.  MS Band was not free and was taken away.  Microsoft offered refunds to recent Band purchasers, but the point is, the maker should not determine when you will stop using something you paid for.  And all this cloud-powered bullshit, there needs to be an offline version available.  Is there anything that can function anymore without being online??

And this whole, giant, disgusting concept of “it’s free as long as we want to make it available” has got to stop.  It’s only a matter of time before people get burnt enough that they will refuse to use your products at all because it’s a given it will disappear at a random future date.  Make a product, sell the fucking thing, and let people use it.

It’s Not Always About The Benjamins

Posted by on April 22, 2019 No comments

The other day, I was at home and the doorbell rang.  Yay, UPS has dropped off my package!  But, no – That’s a story for another post.  I opened up the door and a dude was outside.  Yay, a solicitor!  He introduces himself as being from Spectrum.  I suppose I’m fortunate in that I don’t live in a place where the cable company has a monopoly.  Instead it’s a duopoly, between Spectrum and Frontier (formerly known as Brighthouse and Verizon – how weird).

Dude says he’s in the area to talk about their services, and who provides me my cable, phone, and Internet?  I reply that I just recently had Frontier drop my cable and phone and now I have 100MB Internet only.  Dude wants to know how much (of course).  It’s something like $75/month.  Jackpot, I can hear his brain announcing.

So, Spectrum offers 100MB Internet for something like $50/mo.  Or you can get 400MB for about $75/mo.  He’s got his clipboard out and ready to sign me up.  But I just said, no, I’m ok with what I have.  He had a confused look on his face, which really pissed me off, because there’s no way it was an honest confused expression.  It was a insulting, “are you stupid”, reaction.  And in a similarly confused tone, he asked, “But… it’s faster… for less money.”

I tried to explain my reasoning, but I don’t think it came out well.  I said that it would be a hassle, ending one service, scheduling a new install, then if it didn’t work out, cancelling the new one and setting up the old one again.  He tried to defend his company by saying they didn’t have any contracts, so you could leave at any time for any reason.  I just replied that if anything went south in my current setup, I had his card and I would definitely call.

After I closed the door, I realized what I really wanted to say.  Yes, his offering was cheaper, and I am personally biased against internet over coax, vs internet over fiber, but the point that I really wanted to make was that Frontier/Verizon has been rock solid for me for over a decade and aside from one billing issue after the ownership switch, I have zero complaints.  What dude wanted was for me to jump ship to a company I have no history with and no idea of their service or quality.  The best I could hope for is going from great to great and saving some money.  But, I could be going from great to nightmare and saving money as well.  That’s not worth the risk to me.  Besides that, there is also the installation fee.  Then if it doesn’t work out, the installation fee to revert back to Frontier.  Not worth the risk to me.

He Just Snapped

Posted by on July 19, 2018 No comments

Just so we’re clear where I’m coming from, I’m old.  In Internet years, I’m a fossil.  But I am an active user of technology, so I do have at least a small idea of what’s going on in the world.  Because of my age, a lot of things fall into the “I don’t understand this” bucket.  Not because I don’t understand how to use it, it’s more an issue of why would you use it.

I’ve only recently gotten into the modern phone game (meaning Android), having been a Windows Phone user for its limited lifespan.  And I recall one must-have app that caused a lot of WP users to move on to Android or iPhone – Snapchat.  So when I did upgrade to a can-do mobile OS, I was sure to install and utilize Snapchat.  Snapchat falls so hard into the “I don’t understand this” bucket, it punches a hole through the bottom.

First, the app offends me from a technical perspective.  I do understand that all modern applications have eschewed any form of friendly UI design and that design quality is called “clean” or “immersive”.  That design style involves removing all identifying command buttons, so you have mystery navigation where you have to randomly tap and swipe to figure out what the apps capabilities are. This app is no different.  Resource-wise, Snapchat is a killer.  I will give this a pass because the real-time video filters are impressive.  But, man, it hurts my phone.

Next, the app offends me as a photographer.  Here is the full text of their website home page:

Snap Inc. is a camera company.

We believe that reinventing the camera represents our greatest opportunity to improve the way people live and communicate.

We contribute to human progress by empowering people to express themselves, live in the moment, learn about the world, and have fun together.

I am painfully aware that the word “photography” is not used anywhere in that manifesto.  And if you wanted to take issue with my issue about Snapchat offending me as a photographer, you could use that against me.  But for the main populace, a camera is the gateway to photography.  And photography is about recording a moment in time.  And what does Snapchat do?  It makes photos that disappear.  That’s the opposite of photography.

An advertisement for Snapchat says: “It’s a camera for talking because a Snap says more than a text.” This is probably true in the sense that a picture is worth a thousand words.  But if that picture disappears, your words have been lost.  You have said nothing of value.  The ad also says, “So, yeah, Snapchat is a camera—where how you feel matters more than how you look.”  This is clearly a dig at Instagram.  I have read elsewhere that Snapchat is intended to be used spontaneously instead of having heavily “produced” photos like those in Instagram.  But that goes back to recording a moment.  You plan and produce an Instagram shot to capture a mood (or feeling) to be shared. So yeah, Snapchat is a camera, where how you look or feel doesn’t matter.

Next, the app offends me as a communicator.  If you haven’t noticed, I blog.  I also email and text.  When I write something, I am creating something.  It’s meant to persist.  And what happens in Snapchat?  It doesn’t.  It doesn’t matter whether it’s a picture or a chat, it’s all disposable.  It’s “living in the moment” as Snap wants you to.  It’s a YO-fucking-LO, get out of jail free card, where your past can’t be brought up to hold you accountable for your actions.  At the same time, it’s an admission that you don’t matter.  The things you create are not worth permanence.  The past is useless and there is no reason to preserve it.  How depressing.  And maybe that’s how things are for the youth of today.

But how about those filters?  I said, they are impressive.  It’s a very clever use of technology, but it’s also pointless.  The issues I take with Snapchat dovetail nicely with the filters.  “…How you feel matters more than how you look.”  Oh really?  I’m going to call bullshit on an app that distorts every face into an anime-grade caricature, smoothing out skin blemishes, enlarging eyes, contouring cheeks – it’s all about how you look.

But it doesn’t really matter anyway, because it’s all transitory.  The silly augmentation filters, while good for a laugh today, are going to be the MySpace embarrassment of the future, if any images manage to survive.  Wait and see.

The Flippers

Posted by on April 16, 2018 No comments

You know what really grinds my gears?  Family Guy.  And other things, too.  One of the things that really gets my goat (Whatever the hell that means… actually the all-knowing Internet says that goat used to be a slang term for anger.  So, there you go.)  Yeah, so anyway… You know what really makes me angry?  Flippers.  Middlemen. Value-adders.  Brokers.  Leeches.

The most obvious case of this is in real estate.  HGTV should be ashamed at what they have wrought upon the world.  The glorification of gentrification.  And while the rest of the country is freaking the hell out about wage gap and the unaffordability of housing, these shows are the most popular AGAIN.  I mean it’s not like one “Flip or Flop” is enough, now there has to be regionalized versions so we can see how fucked up things are getting in multiple places.

I shouldn’t have to explain the problem but I will, because otherwise the post will be too short.  In brief, someone buys a house that is distressed (a polite term for shitty) and fixes it up so it can be purchased by people who could not do the repair work themselves or who could not afford to buy the house outright at all.

As a brief aside, let me explain a case where I tried buying a foreclosure.  I was in a bind in my personal life and wanted to get a separate residence.  I found a foreclosure for cheap and scoped it out.  The problem was, the house had no kitchen and no water heater.  It was gutted.  Because it was gutted, I was unable to secure a loan to buy the property.  Despite all my financial plans for affording the place easily, I just couldn’t get it because I didn’t have $50k in cash sitting around.  So I lost the property and everything worked out fine for me in the end, but it irks me that I missed out on that place to an investor.

So anyway, these investors/flippers/whatever.  It should be a noble thing they are doing – cleaning up a property and making it habitable for normal people.  But it isn’t.  Because, gotta get paid.  And there’s no money in selling to normal people.  You need to sell to richer people who can give you a bigger profit.  The problem is, richer people are fewer people.  And as more of these houses get improved on, the fewer the number of buyers are.

But I’m sure you know all of that.  I wanted to point out that this flipping situation is not exclusive to real estate.  On a forum I frequent for music collectors, there is a regular bitchfest about “Record Store Day”, which was supposed to be an event to drive customers to small-town record stores.  The incentive for this is that a collection of albums are released that are extremely limited edition or have been out of print for a long time.  For music lovers, that’s pretty cool.  But, the flippers smell a buck, here.

Inevitably, the flippers mob the store and buy up all the limited editions, then within the same day, resell them on EBay for huge profits.  So, regular people just avoid the crush and Record Store Day is just another disappointment.  Did the record store make any money?  Ironically, not as much as the flippers do.  One has price controls, for the other, the sky’s the limit.

Did you know this also happens with beer?  A co-worker of mine flips craft beers and makes decent money at it.  The investment for him is time – standing in line at small breweries, waiting to buy a single bottle of beer.  Sometimes he will bring the girlfriend along so he can get two.  And wouldn’t you know it?  He’s reported that sometimes a flipper will “hire” a bunch of homeless people to wait in line to buy a bottle of beer each.  It’s absolutely disgusting.

And at the root of all of these cases is the great American dream of “something for nothing”.  Inject yourself into the middle of a process and take a little off the top.  You add no value, you only add cost.  Some may argue that the value they add is the knowledge of the source and the skill at marketing it to a broader market.  That’s bullshit.  It’s one thing to market a product to a larger audience.  It’s quite another to scoop up everything of a limited quantity and sell it because you can’t get it anywhere else.  It’s a self-made monopoly.

And here’s something that I’m currently fighting with myself about.  I have two very valuable CDs that I was fortunate enough to find for very cheap.  I am sure there is a collector out there that would prize them for their rarity much more than I do.  I don’t need to make a 100x profit on my purchase if it would make someone happy.  But how would I be sure that the buyer wasn’t a flipper?

And that is the problem with everything.  Let’s go back to real estate.  Let’s say you were altruistic and rehabbed a house and sold it for a fair dollar.  Who’s to say the buyer isn’t a flipper who would add a single upgrade and sell it for a profit?  All you’ve done is made someone else’s job easier.

Simple, Unhealthy Pleasures, Made More Expensive

Posted by on March 22, 2018 No comments

I read a recent announcement that a new burger place was going to be opening in my town.  You would think I would be excited about something like that because I like burgers.  But unfortunately, the burgers of my era don’t really exist anymore.  They have been improved, upcycled, and gentrified.  They are now Gourmet Burgers.  And I fucking hate them.

Remember a time when you would go and have a beer?  Well, I don’t personally, because I don’t drink.  But I remember the reputation of people who would go and have a beer and it was, well, hmmm…. blue-collar.  But then, craft beers came along and drinking beer was hip and trendy and super cool.  And they also got super expensive, and there were so many variants it seemed impossible to keep track of what you might like, if anything.  And drinking craft beers gave you a way to serious discuss the various ways you get yourself drunk, with organic hops and brew cycles and fermentation in only the highest quality drums and ABV or drunkerness-value.

Remember when cupcakes were a simple treat?  You’d buy a half-dozen from the grocery store and eat them at a party or over a week or something?  Then came along a concept of gourmet cupcakes, where you buy one super-expensive cupcake and savor the fuck out of it to get your money’s worth.  But no one just eats one cupcake, so in the end, you’re just spending a hell of a lot more money.  But you justify it because the cupcake is of a much higher quality.  And the cupcakes aren’t just something simple, it’s a mishmash of crazy ingredients and flavors just to prove to yourself and everyone else that you have such a refined palate.

Remember burgers?  A chunk of mashed beef on a bun?  Well, that’s just too simple for the hip, modern person.  A burger can be anything according to these assholes.  Sure, you can put ground beef on a sesame seed bun, but where’s the challenge in that?  What if you want chicken?  Or fish?  Or vegetables?  Or… What if you want a wheat bun?  What if you want lettuce as your bun?  Those are all burgers!  A bunch of vegetables wrapped in lettuce – look at my fucking BURGER!  Bullshit!  Sacrilege!

Oh, and toppings?  Well, let’s just go right off the rails on this.  I haven’t seen it yet, but I suppose you could potentially get a ground beef patty as a topping for your chicken burger.  Why not?  There’s no damn rules anymore!

You know the people that don’t go to Starbucks because they feel they’d be laughed out of the shop for ordering a coffee?  “Get out of here, peasant!  Go to Dunkin Donuts for your… coffee!”  Well, that’s pretty much how I feel going to these places and asking for a plain cheeseburger.  I’m offending them.  And in a way, they’re offending me, too.  I don’t see it as a place that has to elevate something simple to the point of eliminating the basics, I see it more like, we can’t do the basics well, so we’ll hide behind fancy buns and toppings and other ingredients to make up for that shortcoming.  And people eat that shit up, literally.

This problem is everywhere.  Remember when you could buy a candy bar?  Now you can’t buy one.  You have to buy two.  They call it King Size, or Sharing Size, or whatever.  Pretty soon, they’re going to start mixing different candy bars and saying it’s the new hip thing to do to when you get say, a Mounds and a Peppermint Patty together and eat them together like a fucking BURGER.

Remember when you just went and bought ice cream?  Cold Stone Creamery took care of that.  Remember when you bought a fountain drink?  Coca Cola Freestyle machines to the rescue.  Remember when you smoked cigarettes?  Vaping gives you 50,000 different flavors and buzz levels.  Remember casino slot machines with three reels?  They got SO complex they couldn’t even be mechanical anymore.  They had to be virtual reels on a touch screen.

I’m old.  There, I said it.

Black Knight Of The Highway

Posted by on March 8, 2018 No comments

I had an incident a couple of years ago where I was involved in a collision on the highway.  I was going full highway speed and got rear-ended by someone going much faster.  This morning, I had another collision, with slightly different circumstances.

I’m doing my usual morning commute to work and just about ready to turn off at my exit.  Something catches my eye and I look in the rear view mirror and a semi truck is right on my ass.  The truck had moved into my lane to pass another semi that was to my left.  I look in the mirror and say, “You motherfucker.  Why don’t you get a little closer.”  So he did.

Now, I’m saying, “Whatever, fucker.  You can wait until I get off in a few seconds.”  But he didn’t seem to care.  He got even closer.  Even more pissed off, I put on my turn signal to let him know I’d be out of the way soon.  What I did not consider is that I am a tiny, tiny car.  He is a massive semi truck.  Not that it’s any absolution, but he probably never even saw me.  His huge hood probably blocked me from his view entirely.  And so, it’s probably no surprise what happened next.

I got bumped.  My car swerved to the right, into the exit lane and he pulled up alongside me.  I’m still not sure if he even noticed me at this point.  I sped up alongside him and blared my tiny, tiny horn at him, but I doubt he even heard it.  The median guardrail was coming up quickly, so I had to abort and stay in the exit lane, leaving him to go on his (probably) oblivious way.

At the stop light at the end of the exit lane, I immediately jumped out and checked the damage to my car.  It’s just some very minor scuffing on the bumper that can probably be polished out.  I went the rest of the way to work and it was at that time, I realized I left my phone at the house.  This will be a great day.

But you know what?  I have a dash cam.  Granted, it doesn’t have a rear-facing camera, but I still have evidence I was hit.  Just as an aside, a rear dash cam would be outrageous.  Everything scary and crazy always happens behind me.  So, in the parking lot at work, I saved the segment of the incident and later, I reviewed the video.  The quality is pretty good.  I am able to make out the trucking company name and their DOT license.  Hopefully that’s enough of a lead to make this guy’s life miserable.

In the time I’ve had to think about this, my thoughts on the event have changed.  My initial thought was that I got bumped because I was going too slow for this truck driver and he was impatient to pass this other truck.  As I’ve thought more about it, it’s probably just that I was invisible to him.  Again, that doesn’t make him any less at fault here.  But, it does make me extremely lucky that when the truck moved into my lane, I was in the position I was.  If I was in his blind spot when he changed lanes and he was that close to my rear when he came in, it’s not unfathomable that I could have been a foot or two farther back and he would have clipped my rear bumper, sending me into a spin.  Things could have been far worse.

But, in spite of the fortune granted on me, FUCK ALL YOU MOTHERFUCKERS!  YOU SONS OF BITCHES ARE FUCKING MENACES ON THE ROAD AND YOU ALL NEED TO DIE!!  LEARN TO FUCKING DRIVE, LEARN TO HAVE SOME PATIENCE, LEARN THAT IT’S NOT JUST YOU ON THE ROAD!  IT’S NOT YOUR FUCKING ROAD, WE ALL HAVE TO USE IT.  WE ALL HAVE TO WORK TOGETHER TO MAKE THIS EVENT SAFE AND EFFICIENT.  SAFE AND EFFICIENT! GOD DAMN IT, YOU BASTARDS!  I FUCKING HATE ALL OF YOU!!!!

Let me be clear.  I don’t hate you as people, I hate you as drivers and the people you become when you start driving.  Seriously, you do not think of what the consequences could be.  Every time you change a lane, that is an opportunity to sideswipe someone.  Each time you are checking the lane you want to get into, you are not checking the lane you are in and the cars in front of you.  Every time you speed up into a passing lane (especially to the right), you have the chance of finding traffic stopped in front of you in that new lane.  If you’re a large truck, you need to look beside you and not just behind you when changing lanes.

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And you, Mr. Red Truck, working for Trimac Transportation Inc., you’re going to hear from me very shortly.

My Cat Is Suffering Because Of Your Shitty Design

Posted by on January 28, 2018 No comments

My poor cat, Rump, has been struggling for a while ever since I bought her a new feeder.  Her last feeder was pretty much wrecked and a new one was needed.  She’s a pretty big girl, so I always get the largest feeders available.

The previous feeder that I had was a Le Bistro model.  This seems to be made by both PetMate and Aspen Pet.  Over the years, it was redesigned and it was redesigned in a very shitty way.  See the difference between the old design on the left and the new one on the right.

Old  New

Do you see the major difference?  The bowl on the new model on the right is a goddamn waterer bowl.  The only difference between this and their waterer is the hopper.  The waterer hopper is sealed, but the feeder has a removable lid.

Obviously this was the company saying, “Why do we have two bases for these two products?  We can save a shitton of money here.  It’s the same thing.”  You assholes, it’s not the same thing, and I’ll tell you why.

The first problem is that the food doesn’t come out.  You see the slide on the old model?  You see how the opening of the chute is higher than the lip of the bowl?  That lets the food come out.  Food doesn’t act like water, in case you didn’t know.  On the new model, there is no appreciable slide and you will also notice the new model’s chute opening is half the width of the bowl and the hopper’s neck is more narrow.  That would all be sufficient for water, not so with food.

My poor cat gets noticeably anxious when she sees the hopper empty.  There can be food in the bowl, but she understands what the reserve supply looks like and when it is not there, she starts crying.  Now, she has to deal with the fact that the bowl is empty, because the food doesn’t fall, but there is a visible reserve.  That’s damn cruel.

The second problem with this design is that stupid lip.  Again, for water, yes, you need a lip that is uniformly high all around the bowl.  For food, my cat has to to jam her head down into (I want to stress, into) the bowl to get food.  And when the hopper doesn’t flow the food, she has to stick her head even further in back to get food.  I said, she’s a big girl and she has a big head.  It’s not a good situation.  The bowl needs to be lower in front, especially because the hopper supplies so little food.  One other shitty design aspect is that the old lip rolled to the outside and smoothly transitioned into the bowl wall on the inside.  The new design has a lip that overhangs the interior of the bowl wall.  Why would you ever have that on a pet bowl anyway?  Animals push food against the wall to get to it, they don’t want their face bumping into a protruding lip.

So I’m off in search of a new feeder, but everywhere I look, it’s the same crap as this.  Great job on cornering the market with your shitty new design.

Tip Fraud

Posted by on January 26, 2018 No comments

Again.  Fucking AGAIN.

A restaurant altered my credit card charge post-sale.  This time, it wasn’t the usual $1 tip added on.  This time, they took a $2 tip.  Just for the record, this bullshit happened to me only 3 months ago.

Ok, ok.  Calm down.  After talking to the restaurant manager, it turns out that it wasn’t a case of theft, just incompetence.  Another person’s tip was put on my card.  But it still remains that tip fraud is a very real and a very easy-to-do form of credit card fraud.

I have an issue calling out these restaurants for this fraud.  The places certainly have a small hand in the problem in that they’ve hired a piece-of-shit thief, but it’s not their policy to hire thieves and I’m sure they would be fired once exposed.  So, you know, I can dispute the charge with my CC company, but that just hurts the restaurant.  The thief gets away with their scam.  I could write a yelp review calling the place out, but again, that just hurts the restaurant.  I need a name.  I want to expose this person and make it difficult for them to just move on to another restaurant and continue their scamming operation.

As I’ve said multiple times in the past, I log my receipts then reconcile them with downloaded transactions from the bank.  If you aren’t doing this, you will be unaware that you are being stolen from.

There is a way to retroactively check and see if you have been ripped off.  But it will require that you remember how much you tipped, if you tipped at all.  First, you need to enable alerts on your credit card so you get an email or a text message for every charge on your card.  I originally had mine set to alert me for charges over $20, but now I’ve set it to $2.  When you have this alert set up, you will then have a record of the pre-tip amount.  You can then compare the amount in this notification to your CC statement to see if it differs from your finalized amount.

I have an idea to assist in exposing cases like this for people who do not log their receipts.  With many people relying on online-only solutions like Mint or their bank’s website, there needs to be a way to capture the tip amount prior to finalization.

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My Capital One card shows me pending transactions.  What if I could view the details of the transaction and enter the tip amount I charged, then that new total could be used when the transactions settles to see if there was a discrepancy?  Sounds pretty wonderful right?

But I know that many people aren’t going to log in to their CC website and enter their tips any more than they would use MS Money to track their transactions.  So here’s another idea.  Bots are the new hotness in the programming world.  People are also very responsive to talking with computers now.  What if Capital One texted me with new transaction notifications?

CapOne

Doesn’t that sound amazing?  So if the transaction settles for anything other than $14.48, you would get an alert of the discrepancy.

The Haves And The Have-Nots

Posted by on January 25, 2018 No comments

There’s something I want to bitch about.  It’s nothing new or profound or even really interesting.  It’s the issue with income inequality in America.

The people in charge of America recently made a change to the taxes applied to corporations.  They lowered the top tier from 35% to 21%.  This was promised intended to save a lot of money for businesses and help save jobs and keep business strong and profitable.  Then, recent news says that the corporation Kimberly-Clark is going to eliminate 5k jobs.  And even more recent news say that they are using the money saved from taxes to pay for the costs of downsizing their business, including the layoffs.  That doesn’t sound like the expected result that was sold to us.

For all the bitching that could be done on that specific case, what I want to focus on is the fact that when KC announced they were cutting jobs, their stock price went up.  This is a double-insult to the working class.  I am fortunate to have a 401k plan, but I am acutely aware that many do not.  And those people are not reaping any – ANY – of the growth that has been going on in the last decade.  And that really pisses me off.

Some people, who are oblivious to the pains of the working class, would ignorantly say, “All you have to do is put some money in the stock market and you’ll get the benefits.”  Sure, it doesn’t matter whether it’s a 401k, Roth IRA, or simple mutual fund.  They are correct.  But the part they ignore is “What money?!”

Wages aren’t going up for the working class.  Expenses are going up, though.  Think about that for a minute.  If there was some available money, that money could be growing.  But because there is none, there is no growth.  It has to be the most painful thing ever to see someone making only slightly more than you pull away in net worth because they have that small bit of extra income.  You either have money to invest or you do not.  And there is a world of difference between the two.

That’s my biggest sticking point is that corporations are holding back prosperity from their employees.  They are making changes that only enrich the already-established instead of considering how to enrich everyone. 

Somehow, we need to increase access for everyone to be able to take advantage of growth opportunities.  Increasing pay is the easiest, most direct way for that.  “But, the company will suffer because it’s an additional cost!  The stock price will drop!  My monies!”  But, with more people being able to put money into investments, the stock price will rise from the additional demand.  There is a common aphorism for this: “A rising tide lifts all boats.”

It’s not difficult.  All it takes is is a little less greed.