Tag Archives: corporations

You Gotta Pay

Posted by on February 27, 2022 Comments Off on You Gotta Pay

This year is the first in a while that I’m going to have to pay to have my taxes done.  And it’s not because I have to, it’s because every one has fucked it all up.

Going back a few years, I had my taxes done by an actual CPA, until one year, through miscommunication, I thought she was no longer doing taxes, so I went and did it myself, using a free online tax service.  That worked out well for me, even as my tax situation got more complex over the years.  I was pleased with Credit Karma’s service, both for credit monitoring and taxes.  Then some asshole had to come and fuck it all up.

That asshole is Intuit, whom I have a grudge against anyway for forcing Microsoft Money from the marketplace and becoming a shitty alternative to money.  The fuckery they pulled this time is buying Credit Karma, because you know, nice things can’t exist on their own, they must be owned by someone clearly jealous of success.

Because Intuit has TurboTax, owning Credit Karma Tax would make them too powerful, so they agreed to sell off the tax portion.  If you want to be sure your own success, you sell the part that is going to compete against you to someone shitty.  And Cash App seems to fit the bill.  So Credit Karma Tax is now owned and run by Cash App.

So as part of that bullshit, you have to install the Cash App mobile app to log in to the desktop website.  I am equal parts impressed and disgusted by this because I can’t tell if the security is better or worse, but I do know the usability factor is way down.  So I need this other bullshit software on my phone to file my taxes.  Count me out.

So I research my other free options and there’s none that really fit my new, expanded needs.  The most likely best choice is H&R Block, so I begin my process with them.  Most of the way through, I get to the part where I have to enter my HSA information.  The site says i can’t do that in the free version, I have to buy the software.  Fuck me.

So I guess I’m back on to Cash App.  I hold my nose and download the app and get logged in.  It prompts to import my Credit Karma data, which is nice.  I fill in my CK email and they send me a verification code to that address.  I wait.  Nothing.  I try again.  Nothing.  Ok, so that doesn’t work.  Might as well get started fresh then.

Writing an app that guides you through doing taxes is not easy, I would imagine.  But remembering how CK did things and now experiencing how Cash App does them… You should know when you don’t have it quite right.  And Cash App doesn’t have it right.  While usable, the process did not feel comfortable.  And a lot of it was simple stuff, like the way things were worded and explained as you stepped through.  Quite simply, I did not like it.

But that whole experience was moot when I got to questions about, of course, my HSA.  On one particular question, no matter what I chose as an answer, I was sent to an error page that stated "403 forbidden".  That is very low-level error, someone really has some fucked up code for that to come up.  So I hopped on their support chat and explained the situation.  The general response was, "it works for me" and the suggested remedy was to clear my cache and try again.  That’s it for tonight.

The next morning I went back (oh, there’s my verification codes for the CK import, delivered hours later) and tried again.  Nope.  Same error.  So that leaves me only a couple options.  Do my taxes like a Neanderthal on paper, or pay H&R for the capability to enter my HSA information.

This is 100% Intuit’s fault.  I hate them so much.

You Want The Truth? You Can’t Handle The Truth!

Posted by on July 9, 2021 Comments Off on You Want The Truth? You Can’t Handle The Truth!

I’m in the final stages of giving a fuck about my job.  There’s a lot that can be said about how that came to be, but one thing I wanted to focus on, which is prescient to these modern times is the mindset and behavior of capitalists and the people beneath them.

Whenever people start discussing topics like this a lot of emotionally charged terms begin being used, like: elites, millionaires, billionaires and more misnomers like conservatives, fascists, and on and on.  I’m not interested in all that.  I’m just talking about one guy and how he behaves and whether that behavior is the better or worse choice to make for someone in his position.

So, then.  The owner of this company, he’s a boomer, he’s a multi-millionaire, he’s staunchly conservative, and – I feel independently – he’s a capitalist.  I use that last term very specifically, because it encompasses certain traits that transcend all the former categorizations.  Academically, a capitalist uses resources to make money for themselves.  In practice, those resources typically are other people’s labor, thus, a capitalist uses other people to make that money for themselves.  Now, where I am going in this post is wondering if it is proper to be honest about that fact.

The owner’s company, my workplace, has had an extended period of decline spanning probably over five years by now.  And going along with that, we’ve had layoffs.  After every round of layoffs, we have a big company meeting where we are told the company is healthy, has no debt (this point I actually admire), and is profitable.  In every single meeting, it is pointed out that the company is profitable.  Sometimes we have meetings for encouragement, to say how things are looking up and how more business is coming.  In those meeting as well, the company is still profitable.

Here’s the thing about being profitable.  The employees shouldn’t give a shit.  As long as the company is breaking even, the bills are being paid, payroll will be met and they will get paid.  That’s the end of their involvement.  That’s it.  Profit is exclusively for the owners.  Bragging about or even emphasizing being profitable to employees is telling them right to their faces that they are making money for you.

Before I really misrepresent the point I’m trying to make, I want to recognize that profits can be reinvested in the business.  That reinvestment can provide a buffer for salary raises to occur until revenue rises to match the new cost of salary.  However, reinvestment in the business increases owner equity, which again, benefits the owner, not the employees.

In the most recent meeting (which was an encouragement meeting as we have had an event that is causing customers to flee), it was said again.  And this time, I wish to quote because the delivery was what spurred this post. 

"It is a business’s purpose to grow and make a profit, for its employees… *pause for dramatic emphasis* and its owners."

I have to give credit to the man.  He is honest.  I actually believe he is deviously crooked, but he speaks with brutal honesty.  It’s a special gift some have where they can tell you the truth right to your face and unless you unpack the second meaning of it, it sounds perfectly reasonable.  So let no one forget why they are here.  They are to make money for this man and his family (who are all co-owners of the company).

To close, this does sound like I am spouting communist propaganda.  That is not the case.  I believe there is a better way which involves employee ownership of the company.  And while that is a better way, I have another story for another post about the company I was at prior to this one where the owner was more devious than this one and inadvertently told the employees his plan to fleece them on his way out – using that very method.

And I never examined the counterpoint to the argument, which is, should the owner just not have said anything about that, like probably 95% of business owners do?  Is it better to not tell the workers what they are working for?  Maybe in another post another time.

The Most Wonderful Time Of The Year

Posted by on December 5, 2020 Comments Off on The Most Wonderful Time Of The Year

This is long.  This is a rant about my workplace.  While the story is specific to my employer, it’s actually more of a rant about rampant capitalism, of which my employer is highly adherent to.  It is sort of a difficult post for me to write.  I’ve been wrestling with myself for the last couple of days on the topic because I’ve felt I have no right to complain.  After all, I have a job, I’m paid quite well, the work is easy and in a field I enjoy.  There are people who do not have all, some, or even any of those.  Why should I complain?

Let’s just cut to the situation, then break it apart from there.  Friday morning we got an announcement that because of the pandemic and the resulting slowdown in business at the company, there were going to be some changes implemented.  So far, this sounds like every other company dealing with COVID fallout.  The changes include: pay cuts (15% for managers and up, 10% for everyone else), discontinuation of 401k matching, discontinuing anniversary bonuses, and discontinuation of PTO cashouts.  Earlier in the year, when COVID began, the company announced a wage freeze, so no more raises until things turn around.

How did this affect me personally?  I am considered maxed out on salary, so my raises have been trivial for the last few years.  A wage freeze doesn’t hurt me too bad.  However, a 10% pay cut, wiped out 6 years worth of raises for me.  You can also take out 4% of my salary from the loss of the 401k match.  The anniversary bonus is something nice to look forward to, and since my anniversary is in a couple of weeks, this stings a little more than usual.

I say again, why should I complain?  It’s just money and even with the changes, I’m still probably in the top 10 highest paid people in the company.  My finances are very stable.  But to not complain is to accept and encourage that mentality that is choking and killing America – I got mine. Fuck you.

This is a family-owned company, and a couple of the family members/owners "work" there.  Over the years, their involvement has dwindled as their age has also progressed.  They are all very, very wealthy and surely want to spend their lives and their money in other ways.

As spokespeople for the company, the owners have always stressed how the employees are like extended family.  However, when we have our annual layoffs, the remaining people are reassured that the company is financially strong.  I get it.  A company is not supposed to lose money; it wouldn’t survive like that.  However, when times are lean and there is a choice to reduce profit or reduce headcount, the same decision is always made.

I say again, I get it.  Money can come from a business in three ways: a salary, year-end profits, and the intrinsic value of the company itself.  I would be on board if the decision to preserve profit was because the owners only income was the corporate profit.  But it’s not.  The owners have the intrinsic value, they have the annual profit, and they also all pull a salary from the company.  They are triple-dipping and hoarding all the profits for themselves.  They sacrifice others for their own gain.

Now, here’s the straw that broke my back with this last announcement.  Two things actually.  First was the mention of layoffs.  The announcement rationalized that when volume was down, the company would lay people off.  And why not?  They’ve done it every year for at least four years.  While they didn’t explicitly say we should be happy they didn’t resort to layoffs, mentioning it at all means it was considered.

So why wasn’t that the decision?  Thanks to freedom-loving patriots out there (who I’m sure had to fight valiantly against the current administration), it is in public information that I was able to find out that our company received a PPP loan from the government in the amount of somewhere between 2 and 5 million dollars.  A provision of taking that loan is that you do not lay off any workers.  So layoffs weren’t an option, although it was still considered.  However, there’s no restriction against cutting salary or benefits (research shows that this not uncommon).

If you know the PPP loan program, you know it’s not a loan.  It’s forgivable as long as you abide by its rules.  So, it’s free government money (it’s not socialism when it’s capitalism, right!).  Our company got over 2 million dollars for free to pay for our salaries and our company instead cuts salaries.  That improves the company’s profit, which goes to… the owners, exclusively.  Hypothetically, lets say our business was down enough that we made no profit this year, we just broke even.  With the PPP loan, payroll expenses drop by $2M+, profit becomes $2M+.  And that is not enough for the owners.  Fuck you, I’m getting mine.

I know business.  I know how it can be used to fuck people.  I saw it at my last job and I see it here.  In my last job, there was a "final con" to fuck the employees and enrich the owner on his way out.  While I’m not sure my previous employer actually got to execute his plan before I left, if my prediction for this company’s "final con" is correct, it’s already a done deal.

The owners are old and not involved in the business anymore.  They want out.  Business is down and has been down for quite some time.  That is bad for the owners.  When someone wants to buy a business, they want to see what return on investment they will get from it.  If the company isn’t turning good profits, its value (the sale price) decreases.  While anyone pitching the company is going to point out the glory years as what the company is capable of and will also hype the potential of the business when COVID ends, they still need to prove short-term viability and profit.

I’ve already told you the secret a few paragraphs ago.  Reduce expenses, profit goes up.  By cutting everyone’s salary and the 401k benefits and anniversary bonuses and the cash value of PTO, the company immediately looks better financially to a buyer.  The buyer has no obligation to restore any of those things.  For all they know, it’s always been that way.  Maybe they would see in a prior year financial statement that expenses were much higher, but why should they care?  The current and future financials say they’ll make good money.

Pause for a moment and absorb all that.  Now, because I have to explicitly say this, if the company looks like it will be more profitable to a buyer, the company can be sold for more money.  That money goes to… the owners, exclusively.  The salary and benefit cuts remain.

Now, in closing.  I do get it.  This is business.  Do not ever feel like your employer give one single shit about you or your life.  Are there exceptions to this?  Sure.  But America is greed and selfishness personified.  It’s going to take generations to turn this around if it even can be turned around.  It’s not going to happen in my lifetime for sure.  I really do empathize with the younger generations and what they are facing.

Is Being Old A Liability?

Posted by on June 9, 2020 Comments Off on Is Being Old A Liability?

I’m not actually talking about people getting old and the risk that comes with that.  You know there’s plenty of risks for old people, health, financial, mental, and on and on.  Everything is dangerous.  That’s not what I’m talking about.  I am talking about corporations.  Is it now a liability to be old?

Traditionally, it has been a great thing to have a business that’s been running for 50+ years.  Some running for over 100.  Amazing, isn’t it?  To be that ingrained the fabric of America, to have that sort of name recognition, to have seen it all and weathered everything that came along.  That last point: to have seen it all and weathered it.  That is the liability – to have been there.

This train of thought is fairly new for me and is obviously based on current events, but the idea I’m basing it on was actually born quite a while ago.  I was at a Dairy Queen, eating lunch one weekend.  Dairy Queen is one of those long-standing institutions I’m referring to.  I believe them to be generally well-loved, but every business has its detractors for some reason or another.  That’s not important for the moment.  What is important is having a history and being proud of it.

Yes, so Dairy Queen is an old company.  They are quite proud of their early beginnings and how they’ve grown to a massive corporation that is, if not the leader, then the most recognizable company in their field.  So, they want to highlight the humble beginnings of their company to, I don’t know, inspire others?  And I’m sitting there at lunch eating, and on the wall are old black and white photos of early Dairy Queens with the old cars and crowds of people lining up for ice cream.

And as I studied the pictures, my thought was, "That’s a whole lot of white people, there."

Now at the time, things weren’t as crazy as they are now, but race relations were growing tense.  They must have been for me to focus in on that aspect of the pictures.  And further studying showed, yes, no black people present.

Let’s not jump to conclusions here.  There’s lots of reasons why a bunch of photos just all happened to not show a single black person getting ice cream from an old Dairy Queen.  Local demographics is a perfectly valid reason.  BUT.  Racial tensions are not about reason, they are about emotion.  And anything that reinforces a perception… well, it’s not good, regardless of whether the perception can be explained or not.

To cut to the chase, I am wondering if it is worthy of consideration for a company that existed in the less-than-ideal era for black people to simply drop their company, drop their history, and start fresh with a new company.  Radical?  Yes.  Beneficial?  Maybe.  Harmful if not done?  Well, it is leaving an avenue of attack open.

I can foresee the arguments.  Attack?  That’s not fair.  This company did nothing to foster divide or hatred back then and that nonwithstanding, this company is a diverse, fresh, modern company that is committed to blah, blah, blah.  Right.  And you can see how effective a defense that is.  Compare that to:  This company was formed and created in 2020, the year of social change, established right from the beginning with equality, inclusiveness, and equal representation in every level of management and policy.  Blah blah blah.  Both are corporate non-speak, but one has the distinct advantage of no historical baggage.

A company that was around in the 50’s, even if they weren’t actively employing racist policies, was still operating in the norms of the time, which is to say, likely racist.  You would have to be considered extremely progressive, even radical, to have a company back then like companies are today.  If you want a real eye-opener, watch the old movie 9 to 5, from 1980.  At the climax of the movie, the old boss returns to the office and sees handicapped people working there and learns of many employee benefits that have been implemented in his absence.  He’s furious, of course, insisting he will undo everything right away.  Watching the movie now, those major advancements are like the bare minimum today.

So, if you were operating in the 50’s, you were a part of the problem.  Your only excuse is that the social norms at the time didn’t consider it a problem.  And that’s a problem for your company.  You can say how committed you are and how changed and all that happy stuff your company is, but your company has old bones.  And an old brain.  And memories, posted in black and white photos on your walls.  You can’t escape that past, without completely starting over.

It’s Never Been A Better Time To Buy…

Posted by on May 17, 2020 Comments Off on It’s Never Been A Better Time To Buy…

…from someone other than Amazon.

It was about a year ago I had made a post about how I’ve wanted to try and reduce my dependency on Amazon.  For the most part, I feel like I’ve been successful.  Sure, there are still things I buy from the empire, usually quick-need things or small trinkets that they’ll ship free where other places couldn’t be bothered with such a small order.  Seriously, I’m buying an electrical wall plate for $2.50 and you’re going to drive it to my house, tomorrow, for free?!  That’s just dumb.  But I’m sure they’re getting it back somehow.

Anyway, since everyone is stuck at home, Amazon is the place for supplies now, right?  And everyone is also trying to scratch their consumer itches, too, so there’s Amazon, again.  But, if you do your research every time, you might just find that there are other options that are just as good and many times better than the empire.  Let me illustrate.

Example 1.  I’ve been without a microwave for quite some time now, maybe 8 months.  How I’ve survived without my dedicated popcorn maker, I don’t know.  But I figured enough is enough.  I want popcorn.  So I went on the hunt for a microwave that was simple and basic-duty.  The options: Amazon, Target, Sears, and Lowes.  Because I’m a brand whore, my preferred brands were Panasonic and Kenmore, which ended up excluding Target and Lowes.  But would you guess?  The winner was Sears.  Sears!  And get this – no free shipping!  But, even including the shipping (a whopping $15), the price was the same as Amazon and I still got it in two days.  Who says only Amazon can do that shit?

Example 2.  I’ve had some stereo speaker stands on my Amazon wish list for some time, just waiting for the right time to make that move.  Today, I decided to make that move.  The stands are made and sold by Monoprice, and sold through Amazon (as well as through their own website).  The stands on Amazon?  $76 each.  The stands on Monoprice?  $55.  Both with free shipping.  I work at a company that sells some product through Amazon and I know it’s not exactly a win-win to make a deal with the devil.  You may gain a lot of eyeballs, but your profit margin is going to suffer greatly from the cut they take. 

And that leads me to example 3.  eBay has become my primary Amazon alternative.  Just some simple hair product purchased today.  $18 at Ulta, $12 at Amazon, and $10 on eBay.  Ok, so I’ll get 3-day instead of 1-day delivery from eBay, but this isn’t a need-now product.  More importantly, I think it’s important to buy from eBay because it’s smaller retailers or even individuals doing a hustle.  You’re more likely to be helping people than a company.  And while eBay is a company and yes, they do take fees for their service, it’s not a egregious as the empire.  Plus there’s the whole flea-market atmosphere which has a slight appeal to me.  There’s less Ai involved, so when you find something you like and a great price, it’s because you’re smart, not because the empire’s computer knows everything (fucking EVERYTHING) about you and tossed you a biscuit.

And speaking of eBay, I need to go now and buy the stereo stand that is also in my Amazon wish list.  Same product, same price (actually 9 cents cheaper on eBay), free shipping.  Why not patronize the little guy?  Make them happy in these bleak days.  Amazon is going to do just fine.

Banks Still Gonna Bank

Posted by on February 7, 2020 Comments Off on Banks Still Gonna Bank

I’m personally sitting pretty well when it comes to my financial house.  I’ve mentioned changes I’ve made here and there and for quite some time, I’ve been satisfied with what I’ve got.  In summary, where I’m at right now is: Ally handles all my savings accounts needs.  They pay 1.6% interest (right now.  It’s been slowly dropping again.)  T-Mobile (through Customers Bank) handles my checking.  They pay 4% interest on up to $3k in my account and 1% on the rest.  That’s a pretty nice deal, especially as rates keep dropping elsewhere.  Looking at the interest rate history, we’re back where we were two years ago, after peaking in December, 2018.

So, it’s always good to be vigilant and keep an eye open for what may be better for you in your current situation.  Although this hasn’t affected me, it’s still an irrational issue for me that I don’t have a presence at a physical bank.  To repeat, I haven’t needed the services of a physical bank in many, many, years, but I still feel like I should have an account at one.  So every once in a while, I give it consideration.

An offer came in the mail from TD Bank, which opened a branch nearby me recently.  Recently – in bank years – is like in the last decade.  I’ve always been intrigued by them, and I do have a IRA account with TD Ameritrade (although I’m not sure they’re actually related), so when I saw the offer, I figured I’d investigate.  After all, they’re offering a signing bonus of $150 or $300, and who doesn’t want free money?

Let’s start with their top-tier account and see if I can get in.  No minimum deposit to open an account (I don’t even know what that means – how do you open an account with no funds?).  Monthly maintenance fee: $25.  in the old days,  that actually meant something, but now it just means you need to see if you can meet the criteria to get it waived.  It’s almost a pointless charge.  If you don’t meet the waiver criteria, you don’t get that account.  Duh.

So, to waive the fee, I need either: $5k in direct deposits a month.  Oh.  Well, that’s quite a number.  What else you got?  Keep a $2,500 daily balance.  Well, you know I had that at my last bank and it is doable, but are you going to pay me 4% interest on it like T-Mobile is?  Not likely.  Finally, I can have $25k in accounts with TD.  They didn’t mention TD Ameritrade, only loans and deposit accounts, so that could be my ticket in, if that’s the case.

I visited their "Contact" section and their immediate response options were limited to social media or calling.  I wasn’t going to call for a 5 second question, so I sucked it up and used Facebook Messenger to ping them for an answer.

While I wait, let’s see what benefits I get for my account.  No ATM fees, free money orders, cashiers checks, blah, blah.  It looks like I could have a free account…  And now "Marie" has messaged me back, with essentially a copy/paste of the text I already read.  So I have to be more specific in my question.  Is a brokerage account with TD Ameritrade considered a "deposit account"?  And the answer is: no.  TD Bank and TD Ameritrade are separate and their accounts don’t count towards each other.  So TD Bank is not for me.  And it didn’t offer anything compelling anyway.

But, let me jump back just a little bit.  When the TD Bank first opened in my area, I remember being impressed with their choice to have banking independent from investment.  I thought it was the proper thing to do, unlike what, say, Wells Fargo does (as if WF does anything properly).  I still do think that.  But, after looking into their service offerings, I’m just not their target audience.  There are better deals from online banks and the benefits of being physical just aren’t there.  And maybe, maybe… I could be convinced that having my banking under the same umbrella as my retirement investment account is a good thing, then maybe things would be different.  But right now, I think keeping things apart is best, especially in the growing swell of deregulation and financial insanity.

Class Action Pennies

Posted by on February 4, 2020 Comments Off on Class Action Pennies

A couple of years ago, I wrote about a class action lawsuit in which I was a participant.  The end result of that was me dropping out because I had to provide proof of my involvement, which I could have, but it was more effort than I wanted to expend for my “up to $900”, but realistically more like $5 award.

And now today, I get an email about the Yahoo security breach class action lawsuit.  Oh boy, this should be expensive.  Scanning the email quickly for numbers, I find that the settlement is for $117 million.  Nice.  Now, how many potential claimants?  Oh… 3 billion.

Quick, what’s the math on this?  About four cents per claimant.  Well, I guess that’s something.  And what, perchance, are the lawyers fees for the case?  $30 million, plus an extra $2.5 million for expenses (postage for 3 billion $.04 checks=$900 million, FYI).  Oh, and the expenses.  Some people endured a greater hardship to prove the culpability of Yahoo, and those people will get awards of $2,500, $5,000, or $7.500.  I did not see in a quick scan of the online documents how many people this award pertains to, but there are six plaintiffs.  When talking in millions of dollars, 4-figure awards are a rounding error.

So, let’s round down to the nearest million for the post-lawyer-payday settlement pool, which is now $84 million.  And now, each claimant is due at least 2.8 cents.  I would round that up to 3 cents, but that’s $6 million of rounding that we just don’t have the funds for.  Sorry about that.

FML

Posted by on December 13, 2019 No comments

Fuck MyLife.

If you’ve ever taken a moment to search for your name on the Internet, then you know what I’m talking about.  There are plenty of websites that collect public data about people and aggregate it all together, then conveniently make it available to anyone that wants to search for your name.  MyLife is one of them.

A couple of days ago, I figured I would try and take control of my public information in 2020.  The first step I figured would be locking down these public profiles of me.  Should be easy, right?  Create an account, verify your identity, then set the account to private.  That’s how I thought it should work, anyway.

So the first site I went to was MyLife.  I searched myself, and on my profile page, I click the link that said something like “this is me”.  It brought me to the fake “searching for data” page, which I cancelled out of.  On a form that was displayed next, I provided my email address (as is my policy, a unique email address just for them) and clicked “Show background report”, which is a strange way of saying “create account”.

Immediately, at my “dashboard” (please note I never verified any of my info.  you can seemingly create an account for any name you want), I was shown a popup to enable or disable sections of my profile, with a button to “save changes”.  After clicking the button, I was taken to a screen showing different subscription options.  Yeah, no thanks, a free account is all I need.  But no, a free account is not what you need at all.  The “save changes” button does nothing.  Nothing unless you have a paid account, that is.  Fucking seriously?  So fine, these motherfuckers won’t let you lock down your account unless you pay them.  Fine.  You’re assholes, goddamn assholes.  But you are not getting my money.

But, ohhhhh, they have my email address now.  And now the emails have started.  Day 1: the welcome email, which reminds me if I upgrade to Premium, I can lock sections of my profile.  And in big type it says “Keep Your Info Private”.  Assholes.  Day 2: an email trying to warn me about how bad people are and how I need to be able to find out everything I can on everyone otherwise I or my family might get hurt.  Assholes.  Day 3: an email warning me that my online reputation affects my life.  Everyone is going to see my information online (after encouraging me to find everyone I know in the previous email).  ASSHOLES!  (post-publish update: 2 more emails came in on Day 3, one an ad for Experian Boost and another reminding me that there are other sites exposing my info.  I can’t stop them, but I can see who they are – for $$, of course.)

I have enough experience in web site development to have conversed with people who would create a website like MyLife.  They are scum.  There is absolutely nothing positive about the “service” they are offering.  It’s simple blackmail.  Just like those websites that supposedly list “cheaters” and make you pay to have your name taken off. 

Now, fortunately, my “reputation” on MyLife is just fine, but I know how they work.  If you have any entries on a municipalities Clerk Of Court website, you get whacked.  And it’s all the same.  Traffic ticket? Same as a DUI.  Do you want to know the difference?  Well, you’ll have to pay MyLife to see the details.  Unless you’re smart and go to the county Clerk of Court website and do the search yourself, then it’s free.

So MyLife ruins lives by making minor infractions seems like major red flags, then they won’t explain whether it’s a real problem unless you pay them.  And I guess that alone wasn’t scaring people enough, so what they started doing was listing your relatives in your profile and putting warnings if any of them had issues.  And I guess that wasn’t enough either, so they started listing neighbors in there and flagging them, too.

And while I’m definitely of the mindset that you will be known by the company you keep, this is completely ridiculous.  And it’s all in the goal of getting you into a subscription so you can hide that damaging information.  Fucking ASSHOLES.

Holding My Ground

Posted by on June 27, 2019 No comments

I got another friendly visit from a Spectrum salesperson.  Wonderful.  This time, when I got the inevitable question about how much I’m paying for what services, I got a response of, “Wow.  You are paying WAYY too much!”  Well, thanks.  It’s always smart to suggest your potential customer is stupid.  When I was asked how long I’ve had Frontier, I said since they arrived in the neighborhood.  She replied, “Well, I guess you’re just really loyal.”  Uh huh. Don’t think I didn’t detect only the tiniest pause before “loyal”, as if she wanted to say something else.  Ok, then.  Let’s play.

Obviously, I’m not going to change my service.  I didn’t last time they came by and this time is no different.  But this rep was motivated.  Unfortunately, when you fail at establishing rapport and you just start to go off the rails, motivation can be a bad thing.

This time, I was prepared, because last time, I didn’t get the opportunity to explain that I wasn’t going to switch from a company that has been good to me for 15 years to a company I have no history with.  I told her so.  Her response was that Charter (Spectrum’s owner) had the highest customer satisfaction ratings.  Let’s check that.  According to BroadbandNow, yes, Charter has higher customer satisfaction than Frontier.

Next she made the claim that you can tell the strength of a company is through their stock price.  Let’s check that, too.  And yes, comparing the stock charts between the two is no contest.  Frontier is sinking like a stone and Charter is shooting upward.  So far, her information is accurate, even if I couldn’t verify it at the time.  But then, things started to turn dark.

Along with the claim that Frontier is fading, she said that Frontier is trying to sell FIOS, because they’re losing money on it.  Checking the news, this is true as well, although maybe overblown.  I was told that Charter had the chance to buy Frontier but they turned it down.  Why?  They’re just going to wait for Frontier to go out of business, then they’ll take the customers for free.  Then I was strangely lectured on the greatness of monopolies and how Charter had complete control over certain nearby towns.  It sounded mildly threatening, and I made the comment, “well, I guess I’m just delaying the inevitable, aren’t I?”

I reiterated that I wasn’t interested in switching until I was given a reason to.  Again, she went back to price.  She brought up that new customers are getting the same thing I’m getting for $30/mo and I’m paying $75/mo.  Well, yeah, it’s an introductory offer.  I know about that.  Obviously, a company can’t afford to always offer their service at that price. 

And as we closed our conversation, I got one last threat.  When Frontier goes out of business and Spectrum is the only service provider, there’s not going to be any special offers or introductory prices, because there won’t be any other options.  Yes, that’s right.  She did say that.  I did get to fire back, “Well, that’s just what a good company would do” and we parted ways.

There’s no shortage of words spent on the evils of monopolies, but I have always imagined that the evil was concentrated at the top of the organization.  I’ve never had the thought that the domination and control mindset extended right down into the culture of the company and reached the front lines where it became a threatening sales tactic.

The Mission

Posted by on June 18, 2019 No comments

What are your thoughts when you read a company’s mission statement?  On first blush, it usually reads like bullshit.  It’s usually a bunch of feel-good words with a touch of fake humility and naïve optimism.  Mission statements are an easy target for people who want to attack a company for not fulfilling any promise they may or may not have explicitly made.

Who is the mission statement made for?  Cynics would say it’s for the owners and executives to make them feel like they’re changing the world.  Less cynical people would say it’s for the employees of the company to be inspired and motivated to do their best for the company – working for a higher good.  And then some people think it’s part of the company’s marketing strategy.

I was following a box truck for a company that had that particular viewpoint.  On the back of the truck, covering the entirety of the door, it read.

Our mission is to fulfill the specific needs of each customer by offering quality product, exceptional customer service and exemplifying Jesus Christ in every facet of business and life.

I have many issues with this.  First, I don’t believe a mission statement is a marketing statement.  Can you tell what business they are in?  No?  So, there’s your marketing success.  Then, the statement is so generic, it wouldn’t even inspire an employee or even an owner.  Every company wants to offer the best product and service, right?  Then, there’s the obvious.  You are putting your religious beliefs in your company’s mission statement.  Since there is nothing else differentiating your mission statement from any other company, and you are choosing to use your mission statement as marketing, your business proposition boils down to, “Do business with us because we are Christian.”  That’s about as compelling as saying, “Do business with us because we’re white.”  Oh wait a minute, that doesn’t make my point at all.

My primary point is that this is a dumb use of advertising space on your company vehicle, unless you feel the need to remind your employees of what they are working for every time they close the truck door.  What is their goal?  Be like Jesus.  No pressure, guys, just try to be the son of God while you’re on the clock.  And off the clock, too.  You did notice that little bit in our mission statement, didn’t you?