Anachostic

Alternate Music Timelines

Posted by anachostic on January 23, 2018 No comments

This is an idea I’ve had for quite some time but it was not really big enough to really write about. You know, some things are more Twitter-length, but if you don’t want to get sucked into multiple social broadcasting/publishing platforms, what can you do? So, I just held on to the idea.

Then I had another of the same idea. Now I’m up to two and it’s almost enough to make a post about. All I need is a few paragraphs of intro/filler material (right here!) to describe the origins of the ideas so I can pad my word count. But then, I had a third idea. Now I was really set to go. All I had to do was make sure I had enough words for each idea. So, here’s the post proper.

You know sometimes when you hear a song, you think, “That sounds like this other band.” Well, like everyone else, I get those thoughts too, but I think it happens less frequently, but more intensely with me. Giving it some consideration, it’s not so much that one song sounds like another band did it, it’s more that the song would sound better by the alternative band because the song in question contains elements that that this other band does naturally. I’ll try to explain how this applies for each song.

So, for the 1000+ albums I’ve listened to, it might be strange to only come up with three cases where I would love to hear a one band’s song done by another band. And if some of my reasons seem somewhat tenuous, you do have to consider that there’s a lot of music that sounds like other music and I don’t have a list of 100’s here. To only have three instances must account for something.

Circle In The Sand, by Belinda Carlisle, performed by Fleetwood Mac.

This is actually part of a bigger “fantasy” of mine. Fleetwood Mac was a little lost after Stevie Nicks moved on to her solo stuff and eventually separated. This led to their album, Time, with Bekka Bramlett instead of Stevie Nicks, which was not well received.

I thought Belinda Carlisle would be an excellent replacement for Stevie Nicks because they both had a trademark vibrato in their voices and they both loved the fuck out of cocaine. Not to mention, Fleetwood Mac was part English and part Californian, while Carlisle was Californian but grew some European sensibilities by moving to France.

In this Van Hagar-ish mashup, I would imagine Fleetwood Mac throwing a couple of Belinda Carlisle songs into their live set to give her something to sing comfortably, and one of those songs should be Circle In The Sand. Fleetwood Mac has a real gift at creating moody atmospheres, like in Rhiannon and The Chain. If they could apply that sort of mood to Carlisle’s song, that would sound incredible. In my opinion, of course.

Sensurround, by They Might Be Giants, performed by Rush.

I’m sure that’s about at WTF as you can get. Where would I even get that idea from? Quite simply, the guitar. Sensurround is a guitar-heavy song, a style featured on many TMBG tracks, but the playing on this track is unlike others that I’ve heard. There are a few style elements that stand out to me in the song. First is the use of very dense chords. Another is the staccato chords used in the verses, reminiscent of Rush’s Natural Science. The other is the arpeggiated chords in the chorus similar to those in the chorus of Tom Sawyer.

Maybe that sounds like a stretch to only have elements from two Rush songs validate an idea that Rush could have done the song, but that’s only the genesis of the idea. To imagine how the song would sound with the drumming and bass work of Neal and Geddy would be awesome. And Rush are no strangers to quirkiness. Although they don’t have any silly songs to their credit, they do show a sense of humor in their live shows. So maybe make the lyrics a bit darker and more serious, Peart-style, and it’d be complete.

Give A Little Bit, by Supertramp, performed by Yes (circa 1970).

I recently purchased a Supertramp compilation CD and although I’ve heard this song before, I didn’t know who had done it. As I listened to the song, it reminded me of some jangly Yes songs, particularly, And You And I. The vocal line seemed to be well within Jon Anderson’s range and even the lyrical subject was similar to something he might write, maybe from the Anderson-Bruford-Wakeman-Howe era.

I’ll Take Spam For $400, Alex

Posted by anachostic on January 21, 2018 No comments

Those of you WordPressers who have been around for a while probably know that spam comments are inevitable. WordPress has a pretty good spam catcher built into it, so you may never see any comments come in that are flat-out fake. But, spammers are a persistent bunch. Well, I wouldn’t actually call them persistent, but they do have cheap and easy scripts that will blast any blog with stupidity. And yesterday, I was hit by a gentleman named Alex.

Obviously, Alex is not a real person. But Alex’s profile is run by a real person. A real shitty person. What’s the purpose of these spam comments? Alex doesn’t have an associated website, so it’s not trying to create linkbacks to improve a spam website’s search ranking. Maybe they’re trying to build a profile with some posting reputation to increase the status of a future blog on some nefarious subject?

Anyway, the gold is in the comments, right? So let’s see how Alex felt about my posts.

Alex liked this post so much, he commented twice.

I am now not positive the place you are getting your info, however good topic. I needs to spend a while studying much more or understanding more. Thanks for great information I used to be looking for this information for my mission.

and

You actually make it seem so easy together with your presentation however I find this matter to be actually one thing that I think I would never understand. It sort of feels too complex and very large for me. I am looking ahead to your next submit, I’ll attempt to get the hang of it!

Then he moved on to another post and left me this comment:

Excellent blog here! Also your site so much up very fast! What host are you the use of? Can I am getting your associate hyperlink in your host? I desire my site loaded up as quickly as yours lol

Then Alex handed the reins to his friend, Madeline Whitehead. She commented on the same post:

you’re really a excellent webmaster. The web site loading velocity is incredible. It seems that you’re doing any unique trick. Also, The contents are masterwork. you have done a great activity in this matter!

Alex and Madeline went off and had sex and in a virtual universe where events happen at breathtaking speed, they had a baby, who grew up and married a dirtbag at the age of 8 (the age of consent in Spamtopia). And within 6 hours I got her first work of art. Behold the handiwork of Kristin Harding:

You actually make it seem really easy along with your presentation however I find this matter to be actually one thing which I feel I might by no means understand. It sort of feels too complicated and extremely broad for me. I am looking ahead in your subsequent submit, I’ll attempt to get the dangle of it!

Clearly, she is Alex’s spawn as she plagiarizes his work quite well. But being the spam slut she is, she couldn’t help herself by mentioning she wanted my dangle.

It’s All Great. Everyone’s Awesome. More, Please.

Posted by anachostic on January 17, 2018 No comments

So, how’s things? Pretty good? I understand it’s just so pompous to make the assumption that everyone’s killing it and is successful and is raking in the cash and rocking the job market. I understand that truly not everyone is doing all that well. But for all you people who are… ALL. YOU. PEOPLE.

Begone! Vamoose! Fuck off!

I remember a time, a seemingly forgotten time, a whole ten years ago (they call that a decade). In that golden era, there was a reaping. I felt a great disturbance, as if millions of voices suddenly cried out in terror, and were suddenly silenced. In fact, they had all lost their jobs because of the housing crisis.

And you know what happened? Things got better (for me). Traffic was much lighter, restaurants were emptier, everything ran smoother. I even blogged about the employment situation at the time in an insensitive way. And in other ways, things got better for everyone else, too. (Well, everyone that escaped the wrath of Moros.)

But now, at the frenzied peak of exuberance, we stand. Have you seen the stock market? Everyone thinks it’s incredible and wonderful. I think it’s terrifying. How about that Bitcoin? Millions to be made there! Millions of what? The only thing that Bitcoin has to justify its value is scarcity. There’s plenty of scarce things in the world today. But you know what’s not scarce?

People. There’s so many, they have lost their value.

The rally cry for 2018 must be, “There is much to be done. And much of that much involves much less.”

But my point is, there’s a lot of people out there right now being productive. They’re driving to jobs and clogging up my highway. They’re eating out a hell of a lot and making me wait for a table. And they’re buying stuff and causing stock shortages and shipping delays. In order to fix everything, everything must be broken. This day is coming.

And even though there are so many people now, it is also a time of extreme self-centeredness, of greed, of narcissism, of pure Americanism. Indeed, my post is embracing it, too. We’ve been here before, maybe ten years ago, maybe a decade.

I’ll see you on the highway someday soon. Or not.

How To Close

Posted by anachostic on January 11, 2018 No comments

It’s in the news that Walmart has closed a bunch of Sam’s Club locations. Just for the record, I despise Walmart for many reasons, so don’t be surprised at the stance I’m taking with this most recent news.

A while ago, a regional Walmart closed down unexpectedly for “plumbing maintenance”. It was part of a series of closures as well. At the time, there was a massive conspiracy swirling around that the store was shut down to quell a union organizing. And, on schedule, the store reopened, with an all-new crew and no union considerations among them. Who’s to say what the real reason was? Maybe it was plumbing?

In both that case and this new case with Sam’s Club, the closures were done with no warning for either employees or customers. This is the part that really bothers me. It reminds me of a time when I was working for a pizza chain and there was a coordinated closing of a bunch of neighboring stores. The manager would show up in the morning and the district manager was already there to inform him the store was closing immediately. The other employees would find out eventually, whenever or however. It’s a shitty way to do business.

That Walmart is operating this way says a lot. However, I’m not sure if they are making a commentary on their customers, their employees, or both. In all cases, including my own near-closing experience, it’s all about a lack of trust. It’s a disdain for people and an assumption of the worst in people. The owners believe that if a closing date was scheduled, their assets would be at risk for theft or damage. So, to mitigate that possibility, they surprise everyone with the closure.

I say that this really bothers me, but I really do understand it. I can easily see an employee pocketing some merchandise, because, “Why not? I’m only here another week anyway. What will they do, fire me?” I can see an employee turning a blind eye to shoplifters, because “Why should I care?” Hell, I can see this happening at Walmarts that aren’t even closing. And that’s what makes me think differently.

Walmart has built an entire culture on worthlessness. All their products are cheap and disposable. They’ve created a culture of customers that think this same way. The customers have no pride for shopping there. The employees clearly aren’t trained to actually care about their store and take pride in their jobs. How can they when the chain has the reputation it does and the customers reinforce that belief every day?

Is it possible to create a culture where employees will be loyal to the end? Maybe if given a fair severance? Maybe if treated well during their entire career? Maybe if the corporation was respected? Maybe if the employees and customers took a little pride in their store.

Here’s a little factoid about me. Sometimes when I’m shopping somewhere, I’ll clean the place up. I’ll rehang a shirt from the floor or straighten a display. I’ll organize things (especially CDs) as best I can. I leave the place better than I found it. But, sometimes, I don’t. And in the cases I don’t, it’s a gut feeling that it’s of no use, that it would never be appreciated. And, in the extremely rare instance I’m in a Walmart, my only desire is to leave, not to try and make things better.

Because, when I’m in a store I enjoy, I want to be comfortable there. I want it to look nice. I want other customers to enjoy it as much as I do. Yes, that’s a role for the employees to fulfill, but there’s no reason there can’t be a family-type feeling in the place. And if I remove one source of disarray and the result makes another customer more cheerful at how non-disheveled the place is, then the store will succeed and I’ll get to keep coming there.

And I would hope, that on the day my favorite stores have to close, there is a nice structured ending. Kind of a farewell parade – a little bit sad, but dignified. And nothing like the shotgun finalities of any of Walmart’s closures.

My GPS History

Posted by anachostic on January 5, 2018 No comments

It was back in 2008 that Woot sold me my first GPS unit, a Mio 720T.

Being new to the GPS world, I was pretty enthralled. This particular unit I ended up giving to my now ex-wife, and I bought a lower-end model, the Mio 320.

This one didn’t have a lot of the nicer features of the 720, but it was very hackable, and I was able to add voice navigation and spoken road names, which wasn’t a feature that came natively. In fact, the device was rootable, and I had installed a lot of different software on the device. You could actually get to the desktop of the base Windows CE system. It was a cool experience.

One of the other things I remember about that unit was its pickiness about the power cable. It always wanted to jump into USB storage mode, like it was plugged into a computer. I don’t remember exactly what I did to fix it, but I suspect the rooting of the device assisted in that.

The problem with the Mio is that it was inaccurate. The UI was really awesome, though, so I put up with it for a very long time. It wasn’t until 2014 that Woot offered a decent replacement, a Garmin Nuvi. A totally no-frills GPS device.

This was a great little GPS. It did everything I needed, which wasn’t much. After I learned to make the UI a bit more data-happy, it became the ideal device for me. This device lasted a little while, but failed due to the USB connector breaking in the back. One day, I was simply unable to get it to charge anymore and as the battery wore down, I felt a little sad. Like this was the last time it was ever going to operate. There was no way to recharge it. The long walk down the green mile.

In 2016, Woot sold me a new GPS, this one with a dash cam built in. Prior to that, I had experimented with using a cell phone as a dash cam and the results were sort of mixed. I was driving without a GPS and I missed that convenience, but I couldn’t see mounting both GPS and dash cam devices on the windshield; that was ridiculous. That meant my next GPS unit was a Magellan.

This unit was kind of a shock to me, because I had gotten so familiar with the Garmin UI. Everything that was different about the Magellan, I hated. Over time, I learned to live with it, but I never really liked it. It wasn’t worth the effort to become emotionally invested anyway, because the device quickly developed a problem where the touchscreen would not register your touches in the right place. Your clicks would activate buttons a quarter-inch to the right of your finger. This made it impossible to click buttons on the left side of the screen. And that gap grew over time, eventually making the device unusable. It had other issues too, like never really muting. It would screech whenever the speaker would normally make sound, even though it was muted. It was unpleasant.

A little over a year later, Woot offered a Garmin DriveAssist 50LMT dashcam/GPS and I jumped on the chance to get it. Looking at the specs, I was pretty awed. It was a technological marvel. But the reality of this device is what I am writing about today.

To say that this device is overkill is an understatement. There are so many features packed into this thing that I’ve disabled, and there’s more I want to disable if I can find out where to do it. But let’s start right at the beginning. Garmin is kind like the Apple of the GPS world. They’re the biggest and the most popular, so they feel they can write the rules. And like Apple, they lock you in. The GPS won’t charge unless you’re using an actual Garmin power cable. That is bullshit. Fortunately, the Internet can show you how to modify a USB cable to work with these devices. However, the unit complains every time I start it up that the power cord doesn’t have a Traffic Antenna in it, so traffic reporting is disabled. That’s fine, but the dialog doesn’t time out; you have to click OK every time. Ugh.

So I have it powered up and running, now I have to deal with the map. They have icons for everything – food, gas, bank, attractions, whatever. There’s no room to see the roads! Then there’s the notifications – school zone, speed limit changes, sharp turn ahead, railroad tracks. Then there’s the alerts. This thing will tell you when traffic starts moving in front of you, when you drift out of your lane, or when you’re going to collide with someone. The end result is that something is happening on that fucking screen all the time. All the time. That is not what I want from a GPS. And it’s not something anyone should want. Seriously, like I hear an alert and look over to see “Forward Collision Warning” when I should a) already know this is a possibility and b) be looking ahead to take defensive action.

It has really opened my eyes as to the practicality of these warning systems. I’ve recently seen a commercial for a car with accident avoidance that alerts, “Brake!” It’s probably too late to do anything about braking at that point, despite whatever distraction the alert causes. I got a lot of false alarms last night that I was going to collide with a truck that was passing me on the right and others saying I was drifting out of my lane. How accurate is this technology?

I’m unconvinced that alert systems are beneficial. I think we need less alerts and more information. I think 360 degree cameras would be a great benefit. Of course, I say this while I’m surrounded by idiots who don’t think going 20 MPH over the flow of traffic and weaving between cars is any sort of danger. But for now, I’m turning off every alert I can and just returning this state-of-the-art device to the same functionality level I had from my 2014 Garmin.

Bringing It Back

Posted by anachostic on January 4, 2018 No comments

A couple of months ago, I picked up a new keyboard at a thrift shop. As the holidays were approaching, I only had a few moments to spend any time with it. I did a quick cleaning and test of the device and found it was… weird. Something was really odd sounding about the patches when I played them. I don’t have perfect pitch, but I can hear well enough to know when something is out of key. And that’s what the problem sounded like.

The phenomenon was very weird, because as I would play songs that are completely familiar to me, I would screw up while playing them. Not because of any sloppiness or difference in the keyboard action, it was because my ears were hearing a different pitch than I was playing on the keyboard, so my fingers would try to compensate for that and stretch to the wrong next key. Like I would play a C and know the next note is a D, but my ear hears a B and my fingers think I have to stretch over an extra key to get to the D. Just a mess.

I did try some repair on the keyboard a little bit afterwards. After opening it up, I found the pitch and mod wheel cable was disconnected, and it looked like something had been spilled inside. I pulled the keys that looked like they’d been affected by the spill and cleaned them. The contacts looked fine. And then, right in the middle of that procedure, the holidays came back, so I had to close the keyboard all up and store it again. Along the way, I found I had lost 4 springs for the keys I had cleaned. Not lost, but they had fallen out.

The other night, I pulled the beast back out and set about some trial and error troubleshooting. During a previous round of testing, I had discovered there really was a pitch problem and my primary suspect was the aftertouch ribbon. So after I replaced the missing key springs, I did a quick test with the aftertouch cables disconnected. Perfect sound! I reconnected the pitch and mod wheel cable and it still worked fine. Things are looking up!

I considered the restoration project a success. I had a functional 88-key keyboard for $100. Who could complain about that? Well, maybe I could complain that I had nowhere to set the thing up. And having this massive electronic device made me miss the even bigger electronic device I nearly gave away. That one was a real monster:

equinox88pro

Maybe one day I’ll write about the experience of trading this killer keyboard for a little tiny mixer. Maybe it’ll include the confrontation with the sales guy at Guitar Center.

I have some desire to do some music. To have all these devices and not make use of them is a shame. And ridiculously, I have some desire to recollect my original keyboards, maybe in rackmount form, so I can have my original inspiring sounds.

Things were different back then. Things were more simple and also more difficult. But the difficulty didn’t matter at the time because there wasn’t any other option. You had to be daring and involved and willing to expend effort. Now, expending the effort is rather a big deal. I have a lot of software to set up, some hardware to configure, patches to configure, and eventually some audio routing will be needed. These things aren’t conducive to creativity.

As I’ve been rebuilding my playing stamina and relearning some of my old compositions (which I’m very saddened to find I’ve forgotten a lot), I’ve been debating putting some of them online. I actually have some old video of my playing from 2009 but I doubt it’s usable. Production values have skyrocketed since then, so I’d probably need to record the video and audio separately, then mix them together to get the best quality. More setup, more effort, less creativity.

Additionally, I’ve got yet another future audio project that is going to require the full recording setup effort, so maybe it’s happening sooner than I think. Here’s to 2018 having a more diverse creative output.

How’s It Going Down There?

Posted by anachostic on January 2, 2018 No comments

If you haven’t noticed, it’s cold. Fucking cold. In fact, it’s so cold, we need a song for it.

Oh, the weather outside is bullshit
Too crappy for even a fire pit
And going outside is on hold
It’s fucking cold, fucking cold, fucking cold

So where I’m at, we’re going to have lows in the 30’s and highs only in the 50’s. That is totally unacceptable. I chose to leave the wasteland to come here and I don’t need the weather following me. I’m just a little bit sensitive to this whole temperature thing right now and I think I have a good reason.

There is no heat in my goddamn house.

Yup, the HVAC unit that failed on me a few times this year and let me broil (I guess bake is a more appropriate cooking metaphor) in my house over the summer has now fucked me from the other direction. And being a guy, that’s an undesirable situation. Uh, a straight guy, I guess I need to clarify.

So, if you hadn’t guessed, it’s cold in here. Not as cold as it is out there, but it’s in the mid 60’s. Let me check… Current temp 66 degrees, feels like 40 degrees. So, similar to how I went into emergency mode when the cooling went out, I’ve done the same for my heating crisis. I closed all the rooms off and I’m heating the bedroom with a tiny little space heater.

s-l1000

This exact one, from the 80’s, shown almost actual size.

So my plan tonight is to not get hypothermia, put every blanket I have on the bed, and call the A/C people tomorrow. Will it be a $50 fuse or a $5000 replacement? Who knows? Can’t wait to find out.

What Did You Do This Weekend?

Posted by anachostic on January 2, 2018 No comments

Oh yeah? How was that experience?

Let’s start with the night before any of this. Actually, we can go back a little further, because I already said I pulled my fitness tracker out of retirement and as such, made at least a small commitment to addressing my declining health. I’d been walking pretty regularly, maybe 2.5 miles a day, weekdays. Then, I decided to address the issue with my bike and get road tires so that I could use the bike on a stationary stand and get some higher cardio benefits. And then I agreed to at least try exercising with the GF on the weekends I was over there. So, in my mind, I was committing to one day a week of a real workout.

The night before the first workout, I was hit with anxiety. I don’t get anxiety, but that’s just another “don’t” that was destined to fall this weekend. I woke up in the middle of the night and my heart was pounding. Like pounding so hard it was making my breathing stutter. I did eventually fall asleep again, but had a poor sleep and woke up the next morning little unchanged.

Normally, I don’t worry about things. I have a “just do it” mindset and just go, ignoring whatever consequences there might be. This time was different. This felt like going to the dentist, where I just disassociate and become a zombie. (Although my current dentist is pretty amazing and although I’m over the fear of most procedures, some are still unknown.) So, we get to the gym (a “box” in their terms) and I’m just sitting against the wall staying away from everyone. I had no idea what to say, do, or behave. I wasn’t sure if I would be guided or just left to figure it out on my own.

We start out with a warmup – running. The only time I can ever remember running was doing track events in summer school, like 30 years ago. But running is instinctual, so I just did it. I got winded pretty quickly. My mouth dried out and that was it for me. But that wasn’t it for the workout. That was the “warmup”. There was also stretching and some other stuff I don’t even remember anymore. Oh yeah, ring rows in place of pull ups. Couldn’t do ‘em. I think I was on my third set when my body gave out. I was near passing out and every time I mentally set myself to expend the effort to do a set of rows, nausea welled up in me.

So that first day, I figure I was only able to do half a workout. Pathetic. I was assured that the first day is always the hardest. And after resting and getting all calmed down, I wasn’t yet done for the day. I don’t get anxiety. I don’t run. I also don’t puke.

But today is full of firsts. It’s a pretty raw memory for me, back in 1995 or so, when I last hurled, barfed, upchucked, chunderspewed, vomited, or puked. And that night I swore I would never do it again. I would do anything to keep that from happening again. But today, after thinking I had dodged the possibility once again, when everything was calm, the warning hit me. It’s strange how you instinctively know how to run and also strange that you know when you are going to throw up. Your body actually preps you for it by coating your throat with mucus to protect it from the coming tsunami of acid. And that taste and sensation is unforgettable, even after decades.

I made my announcement and swiftly, yet calmly, went to the bathroom, whereupon I did the deed. My unbroken streak was now broken. All in the name of some sort of health benefit. Cruelly, the gym makes you sign and date a puking man mural on the wall when you fail to keep your fluids. But I was assured (again. Lots of assurance here) many times that people only sign the wall once.

So, that was fun. Sounds fun, right? Let’s do it again tomorrow! Fuck yeah! More running, more stretching, more things. Jumprope, throwing medicine balls, pushups, weights. Again, I failed about midway through, but that was also because I knew when that nausea feeling arrived, it was not something to fuck with.

So, that was fun, too, right? Except for the fact that my muscles really fucking hurt. So, tomorrow, then? It’ll just be a private workout at a friend’s house. What’s to say about that? More of the same, more failing halfway through. Much more pain in the muscles, especially the legs.

It’s hard to say where this is going to go, but it’s not fun. I’m assured that it’s going to get better. The first day is the hardest. The second day is better. In a week or two it will start feeling good. I am not sure if people that work out have a different definition of what “feel good” means. This is probably the most radical change I’ve made in my life, just in the span of three days. I can’t evaluate it yet.

The End Of Credit Cards

Posted by anachostic on December 28, 2017 No comments

https://www.msn.com/en-us/money/personalfinance/the-age-of-credit-cards-may-be-ending-and-thats-a-good-thing/ar-BBGMvem

It’s been a while since I’ve done an article commentary. This one really set me off, so it’s been in the queue for a while. I’ve said that journalism is dead many times and that many new articles you read are either opinion pieces or are sponsorship pieces to promote one thing or another or to detract from someone’s competitor.

This article is not really any of those. It feels to me that the author had an idea and just thought up reasons as to why that idea might be true. It’s actually not too far removed from the bullshit I post here on my blog. I could be getting paid for this fuckery?

So let’s start, then. The article is saying that credit cards are going to disappear and people are going to stop using them in favor of other forms of payment. And that other form of payment isn’t cash!

These are the reasons why:

Credit cards often aren’t 100% secure. It’s going to be anticlimactic to provide the whole reason why every other payment option pitched by this article is inferior. A credit card has consumer protections in place in case you are hacked or have your card stolen or lost. You are not liable for fraudulent charges. I’m going to harp on this quite a bit.
Credit cards have high fees. Where the fuck are you getting your credit cards from? There are many, many, many credit cards with no annual fee. Any other fees you would incur would be from transactions that you couldn’t even accomplish via other methods, like cash advance or balance transfer.
Credit cards are rarely accepted worldwide. Yes, they are. Nothing else to say here.
Digital payments are more convenient than credit cards. PayPal, Venmo (who?), Amazon Cash, PayTM (who?) are somehow easier to use than a credit card. In the case of Amazon and PayTM, you have to add cash to your digital wallet using an online application. If you want to add cash to your Amazon account, you can go to a store and they can add the balance to your account with a special barcode. This is more convenient? HOW?
It’s easier to exchange money between friends, and for an employer to pay employees digitally than using a credit card. This isn’t even a valid scenario for a credit card, so how is that any sort of proof that credit cards are obsolete?
Unbanked/underbanked individuals can’t get a credit card. So that means credit cards are obsolete? No one else needs them?
You don’t need a wallet anymore, only your mobile phone. Sounds wonderful, except for the need to carry ID cards, reward cards, and insurance cards. Then there’s the small problem of losing your phone, which has all your eggs in one basket. Or dropping your phone, or running out of battery, or not having cell signal in a building with a steel roof, or whatever wonderful things happen in the digital world that just never seem to happen in the physical.
Bitcoin and other cryptocurrencies let users stay anonymous. Yes, because when you order something online, you don’t give out any personal information. That’s how sales transactions work. Who fucking cares if you’re ordering a case of dildos?

Now, here’s some statements that I really want to punch in the face:

“This points to an important truth: Even for most online payments, cards simply aren’t necessary.” – Cards are absolutely necessary for online payments because of the aforementioned consumer protection.

“Since so many people already use smartphones for day-to-day payments like ordering food or hailing an Uber, ditching wallets altogether seems like the logical next step.” – The ability to do two things (neither of which I’ve done) means we should just eliminate wallets. That’s totally logical. Now I can hear you, “just because you don’t do it doesn’t mean it shouldn’t be done.” Well, just because some people do do these things, doesn’t mean that’s the eventual solution.

“[Bitcoins,] Unlike credit cards, they have low transaction fees and don’t require sales tax.” – Your payment method has zero bearing on how you are taxed for a purchase. And what transaction fees? Currency conversion is even free with my no-cost Capital One card.

And the summary: “After all, for consumers, the motivation to ditch the card is simple: lower fees, improved convenience, and increased financial independence.”

If you are ditching a credit card because of the fees, you’re doing it wrong. If you think any other payment form is more convenient (and safer) than a credit card, I don’t know what to tell you. If you think you are somehow going to succeed financially by ignoring a significant source of credit history that can determine how you can afford to purchase a house, lease or buy a car, get an apartment, get utilities turned on without a hefty deposit, or get a better insurance rate, then by all means, try it. Then complain at how difficult it is to not have a solid credit file. Also, you can enjoy not getting any rewards for using credit cards for your daily purchases. If you have the self-control, you can utilize credit cards to get significant cash-back rewards.

Call me old-fashioned, but the mindset set forth in this article is foolish.

If This Matters

Posted by anachostic on December 27, 2017 No comments

For people that love anniversaries, it’s going to be a good couple months. I got this notification from WordPress today:

It’s a fucking ACHIEVEMENT – it says so right at the top! Time has gone by and I am to be commended for that. This is truly a fantastic day in my long, illustrious Internet history. I have a few words I want to say in gratitude of this prestigious honor.

First, all you young little shits don’t know how good you have it. You have so many fucking people on the internet now, you can get followers at the drop of a hat. All you need is a bunch of “Dunk Memes” (Dark? Derk? Dank? Whatever.) and you’ll skyrocket to the top. You also have the ability to install a bunch of “plug-ins”, which are like air fresheners for your blog. I see where they got the name from. They’ll keep your blog theme fresh and new for all your attention-deficient and fickle followers.

Me being me, I’m not here to make friends (but I am loyal beyond measure to the few I have). I just put this shit out here and see what happens. If nothing else, I have a record of what’s happened in my life. You might notice I’m being vague here, but I have a second anniversary coming up and I’m going to get really stupid on that one.

Now, back to being crotchety. Second, punks, I’m older than a lot of you. So, if you think you’re going to catch up with me and beat my seven years of WP tenure, think again. No really, think. Because that’s how time works. You’re going to hit seven years, I’m going to be at seventeen. In your face, maggots! Of course, in ten years, I could be dead. Then: Maggots, in my face!

So, how did I get here? I owe it all to Windows Live and Microsoft’s shitty decision to continually sunset any product I enjoy using. Remember what Live Spaces looks like? The Internet does.

That’s about all I have to say about blogging right now. You’ll just have to wait for the other anniversary for the self-indulgent hit parade.

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