Some stuff I have learned while reading what has happened to other people.

Be careful who you bank with, as the big banks are trying to find ways to gouge you big time. Check out a small local bank and move your accounts to them. (This is not new)

Don’t get a credit card with the same bank where you keep your money.  Keep your savings account, if you have one, at a different bank than your checking account. Diversify!

Get a prepaid cell phone and forget about the telcos.  They just find ways to over charge you.

If you have Comcast, find alternatives.  Comcast does not want to help you, they just want your money.  This is true of most companies that provide TV, phone service and broadband Internet, so good luck finding a good one!

Read the fine print before you sign the dotted line.  Everywhere. For Everything. You can’t believe everything a customer service representative tells you.

Oh yeah, one more thing.  Folks who write to the consumerist are telling one side of the storey. (I am inclined to believe them though.)

One thing stands out. Big banks, big corporations, big companies will lie to you to get your business.  Don’t trust any of them. Once they have your money and if things aren’t as promised, too bad for you.

I truly thank ‘The Consumerist’  for keeping me informed.

Martha

I almost fell out of my chair.  It rang once and a real live person answered!  No horrible automated phone menu! I almost forgot why I called I was so astonished.

Later I called AT&T to add a service to my account. Too bad, I got that horrible automated phone menu that makes me want to jump through the phone line and strangle the jerk that came up with it, if only I knew who it was.

Oh well, can’t have everything, but still I wish ‘customer service’ really meant something. Now it’s all ‘the bottom line’. Customer Service seems to be lip service and not much else any more.  I will say when I finally got a real live person, that person was helpful even though I could tell a lot of the time it was scripted.

Martha

Not all of these scary scripts are the same, but nearly all indicate gloom and doom for the human race.

There are times when I wonder, ‘maybe this wouldn’t be a bad thing’.

One of the things that make me wonder are terrorist attrocities. How can they justify killing of innocents? They claim it is because their supreme being tells them to kill, but I don’t believe that. The terrorists are destroying the airline industry in bits and bites at a time.

Another thing that makes me wonder is how greed has nearly destroyed our country’s financial well being and ruined so many lives. People are still losing their jobs, their homes and their health care due to pure greed.

Corporations send jobs to other countries due to greed. Never mind more people here are unemployed when those jobs leave. It’s the bottom line. Greed.

Big pharma is a major player in greed.  Paying big bucks to convince people to ‘Ask your doctor’ and paying kickbacks to the doctors so they can sell higher and higher priced drugs that have side effects that can and probably will kill countless folks over the years. (I think I may start rooting for that asteroid!)

It is pretty obvious the Lobbyists own most of Congress. (Look at the good things for consumers that get voted down because the Lobbyists tell the congressional members if they want support come election day, they better vote no.)

False statements like “Health care for every one will cost too much money and ration it for everyone.”  Guess what, health care is already rationed. If you can’t pay, you get no care and you die. It seems to me like it’s a case of “I got mine, to hell with you.”  Some of the more vicious of the statements about health care for everyone were saying when you get old, you get put to sleep. Maybe not in just those terms, but that is what came across to a lot of folks.

Yep, those are just a few of the things that make me think maybe the asteroid will be all for the best.

Rant over for now,

Martha

Well they said it is OK to show videos of animals being tortured. In my book it’s the same thing.

The only member of the Court to vote against this despicable practice was Justice Samuel Alito.  Too bad the rest of the members of the Court don’t seem to think it’s wrong. I hope they don’t decide to ban the child porn laws.

A sad day for animals and animal lovers every where.

Martha

But unfortunately, sometimes unscrupulous merchants try to boost their bottom line by using practices that while maybe are not illegal, but are certainly shady.

One way customers are sucked in to a shady practice is the promise of a rebate for shipping.  Notice this is NOT the same as an order code for free shipping that many reputable sites offer.

Most customers are intent on what they want to order and fail to read all fine print on the site where they will order. Sometimes the fine print is in a much lighter shade and is located below the ‘Order Now’ button. An example of this is on this site: Plaque Attack

Notice the Free Shipping logo at the top of the page has a small wording, After Rebate. Now scroll to the bottom of the page and in a box with light gray text, read the Offer Details. In order to get the free shipping, the customer is signing up for a ‘free trial’ of the ‘Insider’s Club’.   Curious, I went to the site FreeShipping.com mentioned in the order details and nowhere could I find what the price would be after the free trial ends.

So now what happens?  Customers sign up to join to get the free shipping.  What they may not realize and most don’t, after the ‘free trial’ they will be billed a monthly fee and nowhere does it say what that fee will be until it’s too late. Then when they get their credit card statement or bank statement they learn the awful truth.  (Never ever use a debit card to order online!) Trying to get this unwanted service canceled and a return on their money can be a very frustrating experience, sometimes almost impossible.

Unfortunately there a lot of sites like this. Just check out the posts on the Complaints Board.

There are so many deceptive practices on the Internet. A lot of them are pure scams, but the sites like the one above cover their you know whats by putting disclaimers or confusing wording on their sites so when the customers dispute the charges they can claim the customer was notified in advance. So while these sites are not actually illegal, they are in cahoots with sites that are certainly out to scam the customer.

I read it’s darn cold in Europe as well.

I haven’t felt this cold in many a year! It’s just downright cold and there are no other words for it. I want this arctic blast to go back to the Arctic.

It’s really hard for me to think we have global warning when the weather is like this!

When it’s this cold I want to do is stay at home where it is reasonably warm. But then my little dog wants to go for a walk and so my parka that hasn’t been used in a long time comes out of the closet and away we go.

Martha

Supposedly this pertains to insects coming out of the wooden parts of a house. In time it was used for anything unexpected or hidden, usually something unpleasant.

Today it is a good description for scammers. The scam may come in email, snail mail or the telephone. Even TV ads may just be a scam.  All of those car waranty ads come to mind, as well as ads for ‘real health insurance’.

Just recently someone called my siter-in-law and tried to get her banking information by telling her there was a problem with her account.  Fortunately she is no dummy and the scammer got nothing from her and hung up when she tried to get him to tell her what bank he was calling about.

There is just about nothing these evil doers won’t try to scam folks out of their money.  I hate to insult the insects, but today it’s the scumbags ‘coming out of the woodwork’!

However the company had charged the user’s credit card using an automatic renewal that the user had no idea was in place. Possibly in the fine print of the EULA or somewhere in an obscure place there was a notice to the effect that the automatic renewal would happen, but that is doubtful.

While this may be of benefit for some users who might forget to renew the subscription, it seems to me it is an underhanded way to boost the revenue for the company. My answer for this problem is to buy a program from a local retailer or if that is not an option, use a credit card that offers a ‘one time use’. Then if the company tries to charge the credit card, the charge will not go through.

This is not the only place where ‘automatic renewals’ can happen. Some periodicals will do the same thing.

Prevention magazine tried to use the same tactic with me. Since I was bitterly disapponted with this magazine (more ads than content) I certainly did not intend to renew the subscription.  When I called to complain, I was told I had signed up for the automatic renewal.  I knew better!

I also received an alternative health newsletter that tried the same tactic. When I called to see why, I got the same response. “You signed up for automtic renewal”. I immediately canceled that newsletter and made the decision not to get any more snail mail newsletters.

Last year I decided to not renew any of my many magazine subscriptions.  When they all contain more ads than content I just decided I didn’t need them any more.  I also got rather peeved when they kept sending me renewal notices a year in advance! I recently read about an elderly gentleman in his 90′s that had a subscription paid up for 30 years! He just kept returning that renewal notice.

It seems that the scammers have gone main stream.  How sad is that.

Martha

I hope that’s not what he meant!

It’s just my opinion, but I think anyone, regardless of who they are should be disqualified from any position in government if they are guilty of not paying their taxes.

It’s NOT ok to say ‘I didn’t know’! If I had failed to pay taxes, the IRS, which is a government department, probably would have threatened me with jailtime and would have come after me big time as soon as they knew I owed taxes. And why didn’t they go after these guys?

It isn’t very comforting to me to know the Secretary of the Treasury is a tax cheat. He’s in charge of the Treasury! And the sad thing is, he isn’t the only tax cheat being offered a high profile position in the United States government.

The ‘change’ is looking more and more like change to the Clinton era.  All of the folks in charge seem to be from that time.

I hope that things will change and for the better, but so far it doesn’t seem likely!

Martha

I think part of my problem right now is the fact that I am so sick and tired of all the political stuff coming at me from every direction. I have this urge to jump on folks and lambast them for such obvious one sided views that I am becoming unreasonable about the whole political thing.

All of the stuff I read is so one sided, regardless of which side. They bash everyone that doesn’t think the way they think. Free speech is something I treasure and since I do treasure it, I refrain from replying in snide remarks about their choice of candidates and their derision for others in this crazy political year.

I just wish things could be a bit more positive instead of so much negative remarks. So you don’t like Sarah Palin? Then say something positive about Biden. Don’t like Obama? Say something positive about McCain. Can’t think of anything nice to say about any of them? Keep quiet.

Don’t insult my intelligence either. Don’t start telling me how bad a candidate is based on what you have read. I don’t care if you think someone is not fit for the job. (In my personal opinion, none of them are ready for the awful job that lies ahead for the unfortunates who mange to win this election.)

The problem for me lies in the fact that all of this political stuff just started too soon. I think we should have primaries in every state at the same time. September would be a good time. No more conventions, just let the candidates with the most votes in the primaries get the nominations. (Think of the saved money!) No more ‘Super delegates’! Super delegates just totally goes against my idea of democracy. Why should anyone have more say in an election than the average citizen?

I could go on and on. Guess my writer’s block lifted on this subject!

Martha