Shoulda

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I shoulda just called in sick today.

That’s not really the right attitude to have, but work sucks today.

I can think of hundreds of other things I’d rather be doing, or hundreds of other places I’d rather be.

Having a hard time dealing with it.

Just not motivated to exert myself in employment today.

My brain already hurts and I’m tired.

Shoulda. Shoulda done a lot of things. Shoulda, shoulda…

Roofers

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The sun is out.

It will be for (at least according to the fairly inaccurate Weather App) for the next two weeks. Of course, weatherpeople can be wrong 80% of the time and still people look to them to provide answers.

Anyway, the roof still hasn’t been done and, as of writing, I have no idea if I am on the schedule for anytime over the next two weeks. Supposedly, two weeks ago, my house was slated to be done the following week when I reached out to them, but that was weather dependent, of course. I understand that part.

Its rather tiresome that the tarp on the roof of the house has been there since mid to late November. In that time, I have contacted 12 roofing companies. Five have come out to give estimates. Two have had signed estimates returned to do the work. One ghosted me. The other is still pending…

I was hoping it would be done before the end of the month, but I guess what little optimist is in me (I am 94% pessimist) is growing tired of waiting.

Tired of the run around. Tired of climbing on the roof to check the tarp. Tired of worrying about water destroying the house. Tired of worrying about ants.

Tired.

Sometimes, not owning a home would be nice.

 

Lacking

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Time.

Content.

Motivation.

Actually, there is plenty of content and motivation. I have been making drafts like crazy for things I want to Piss and Moan about, but I haven’t done a very good job of getting this stuff ready to publish ahead of time. Work as been so busy that my mornings and the usual time that I post stuff has gotten away from me. It’s hard to keep up when you’re buried.

So, nothing new today except excuses. Sorry.

Guess I better do a better job of planning to get content out and get those drafts written so there is content ready to go before I start new stuff.

Musically debatable

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The music industry is rather strange when it comes to censorship, or self-censorship.

One country group, Lady Antebellum, has decided that it’s name needs to be changed because of the offense it may cause. So they have now officially decided to go by Lady A instead their original name.

OK, I get it. That is their right and they are certainly being sensitive to the times and their fans (or potential fans). For them, it makes sense and I certainly won’t stop listening to them when they come on the radio because they decided to change their name.

The interesting thing about the music industry is that they seem to have a double standard when it comes to language. Musicians are now using explicit language in their music a lot more often than they used to.

It’s a strange trend, really, with the rise of streaming services and ways to get music delivered to you without having to purchase something the entire general public might listen to.

Regular old radio broadcasts never had such language or it was “bleeped” out. CDs eventually had the “explicit” label on the cover so people knew what they were buying. Streaming services today even let you filter your music so that you don’t have to play explicit songs on the stations you are listening to. All perfect examples of ways to make sure the public gets the music they want without having to listen to things they don’t want.

WHAT I DON’T GET

What I don’t get is how the music industry continues to allow artists to publish and distribute music with the N-WORD in it.

How is this still a thing if there is such a debate about the use of the word?

If nearly everyone finds it offensive and people are being publicly tarred and feathered on social media if they have ever uttered the word at some point in their past, then how are current artists still allowed to use it?

Certain genres even seem to thrive on the use of the N-WORD.

I’m not talking about artists from last decade or several decades ago (though they still seem to use it also). I am talking about current household names, modern, up-to-date, people who in certain settings object to the use of the word and then turn around and use it in their own music. Double standard much?

Why aren’t music studios taking a stand on this? Why aren’t streaming services taking a stand on this? Why aren’t artists calling out other artists for the use of the N-WORD? Why does the music industry continue to perpetuate the use of the word by continuing to allow it? Is it offensive or not?

Don’t even get into the whole “freedom of expression” or “artist’s voice” arguments. We all know of instances where freedom of expression has been suppressed and publicly shamed for a myriad of circumstances, so that doesn’t really apply. Right? Or is there a double standard in the music industry?

This is a subject I guess I’ll never understand.

 

 

Redefined #1

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It’s interesting how those who don’t like something are always trying to redefine it. If it doesn’t fit your agenda, redefine it so it will by turning the meaning around so it fits your message.

Here is current examples I’ve seen recently:

Looting

The definition we all understand and have used in the past is NOT a tough one to remember. It is basically stealing or taking something that isn’t yours by force. If you need a reminder of what the definition is you can look at Dictionary.com (here) and Mirriam-Webster.com (here).

My guess is that you really don’t need a reminder.

Bernie Sanders and his Socialist friends are trying to create a class war (this is a Communist tactic) by specifically trying to redefine the word during the present crisis. Maybe you have seen some of this flying around social media.

The looting of America has been going on for over 40 years – and the culprits are the ultra-rich.  ~ Bernie Sanders

American billionaires got $434 billion richer during pandemic. (widely reported by news media)

So, people who spent their lives building a business and positioning themselves in a place to prosper are going to be faulted for consumers going to their place of business to buy supplies?

Example: Amazon (I mean, because it is so obvious). It was literally set up so that you could order anything, any time, from anywhere, and have it delivered to your doorstep. It was set up to make it as convenient for you as possible. And you love it.

So consumers were forced, or they willingly complied, to stay home and order things online. This is exactly why the business was created or has adapted to the changing retail landscape. They didn’t do anything wrong and is perfectly acceptable for them to do. That would make them pioneers and visionaries in retail, right? As such, it’s perfect for those who have had the foresight to establish, or adjust, a business that has this capability.

Why then would you fault Jeff Bezos or any other person for making money during the pandemic? This is what a business is for. To make money. By ordering online. As far as I can tell, he wasn’t price gauging people for the goods he was selling. Prices didn’t suddenly and ridiculously increase because of the situation. He wasn’t taking advantage of the situation. He literally continued to do what he set up his business to do.

Sure, there were probably some 3rd party sellers who may have taken advantage of the platform and increased prices. Sure, that will always happen. That isn’t new to any crisis. But was it a systemic, company wide policy/effort to defraud the population? No. Amazon and others worked to correct the issue as it was discovered and reported.

Look, I think it is clear that the work of a political party is trying engender bitterness, anger, and dissatisfaction with people who make money in legitimate ways. They are trying to pit the poor, and even the middle class, against those who are rich. For them, they can’t gain ground politically any other way so redefining words and making the word to encompass a broader meaning means that they stimulate mistrust and hatred.

This word being redefined is nonsensical. Let’s keep it a crime and not turn it into something it isn’t.

 

 

Refi update

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Big banks suck!

I already knew this, you already know this, but didn’t have a say in the matter upon initial purchase of the house. We have been through three refi’s with Chase Bank over the last 7 years and none of them were this bad. There was, of course, some jumping through hoops but nothing too out of the ordinary. In the past they have been relatively painless to work with, until now.

My last update on the refi I spoke of the communication issues and bumbling of the person I was working with. It continued. It didn’t get better and the more I complained about it the less communicative they got.

Anyway, I submitted all the docs the required from the start. Things are moving along. They get communication issues and then want to have me submit more docs that were never asked for the previous three times we refi’d. Um, what? Oh, and then the also wanted signed statements about things from the past they never asked about previously too. Um, no. Not gonna do it since they were not relevant then and they aren’t relevant now.

When they said the refi couldn’t go forward until the documents were submitted I protested. Nothing has changed in the last two years (that was the last refi) and really all they needed to do was get some updated financial statements. Nothing else they wanted pertained to the situation. But, they said they needed these because of “law changes.”

Um, what law changes? Neither person I spoke to could say specifically. They just kept repeating it – because that’s how society works these days…if you repeat it enough, it become “true.”

**Note, I had begun the process with a different bank at this point and they haven’t asked the questions Chase Bank was asking, so “law changes” my ass…**

So, I told them to cancel the application since it wasn’t going to move forward. That’s when their disclosure about the “good faith” deposit stole my $500. Because I didn’t submit documents they were requesting and because I cancelled the application, not because they declined me, they had the right to keep my money.

Essentially, that means the bank could literally ask you for anything and if you don’t comply they keep your money. I see how it is, Chase. You got me. My bad.

So, in essence, the bank contacted me about a refi to lower my rates. I jumped through the immediate hoops thinking it would be simple since I am already a current customer, and then they jacked the process to make it unreasonably difficult.

Looks like the bank robbers ride again!

I would advise not doing business with Chase Bank. Ever.

 

Backwards

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Going backwards? Strange concept in the times we live, but it I think it bears asking since we have set ourselves up for it…

Given the situation with Covid-19, is the public (general population) going to accept going backwards when it comes to a “disinfected” shopping experience? Or are employees going to be OK with going back to the way it was before? Are government services going to be restored and go back to business as usual? Because germs and disease existed before this whole thing and they will continue to exist after as well.

So, some questions?

Is everyone OK with the removal of the plexi-glass cages cashiers are now in? They protect the public and the cashier, so are they going to stay?

Is everyone OK with discontinuing the disinfecting of each and every shopping cart? Again, it gives the perception that the business cares about it’s shoppers. Is that not important after the threat of Covid-19 has dissipated? What about the flu and other infectious bacteria/viruses?

Is everyone OK with going back to full capacity seating in restaurants?  More people packed into a small space is good, right?

Is everyone OK with door handles, counter-tops, and self-serve check out stands not being cleaned after each use?

Is everyone OK with standing inside of six feet of other customers, shoppers, employees, co-workers, supervisors, non-family members, etc?

I am being the devil’s advocate here because, of course, we are going to go right back to the way it was right after this whole things is over and everyone has moved through the proper “phases of reopening.” Right? Back to “normal.”

But in doing so, we basically are going to say it is OK to go back to a society that allows for thousands of deaths each year from the flu. Or, we are going back to a society that expects less of the places we frequent because, well, it isn’t practical or cost effective to keep it up.

So, dirty and contagious it is. Kinda makes you think, doesn’t it? If it was possible now, why not then. If it was possible now, why not continue it? It’s a lose-lose battle for consumers and businesses.

Happy back to normal! Eventually.

 

A matter of trust

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Last week I said there was a red line that seemed to get farther and farther away because the government seemed to have ulterior motives. I wrote that in the morning on Friday. Friday evening, a report cam out that kinda confirms the suspicions of many who abided by the initial red line and then saw it move.

The governor of Washington, Jay Inslee, keeps moving the red line and the state’s residents are paying the price. Healthy residents are confined to their homes “Stay Home, Stay Healthy), businesses are struggling, cities are becoming insolvent, hospitals (the supposed “front lines”) are furloughing or laying people off. There has been clear evidence of a power grab and then we hear this…

In an interview with Bernie Sanders, Inslee said (starting @ 48:00), “this has always been an economic opportunity … we should not be intimidated by people who say you should not use this COVID crisis to peddle a solution to climate change … we can’t use COVID as an excuse for inaction on climate change … they’re both so similar … based on an understanding of science.” (here is the specific part in a shorter clip)

Um, did you catch that? So, this pandemic is a great opportunity to tear down the economy and start back with green solutions? Yeah, no. Not the time or the place. People are suffering and the pandering to socialist causes isn’t the time to push an agenda either.

Fraud is rampant in unemployment claims when the people could actually be working and providing for their families. There wouldn’t even be a need for unemployment claims if this jackwagon would let people make decisions for themselves instead of using the government to abuse the rights of its citizens.

It’s an issue of trust, and quite frankly no one trusts him. No one trusts that what has been done has been done for the right reasons.

How far are you willing to let them go? You have common sense (assumptions being made here) and you can see how this has gone. Can you take a guess about where it will continue to go? Do you blindly go “like sheep to the slaughter” because you gave “up essential liberty to purchase temporary safety”?

 

Refi

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I’ll tell you what, in a world where everything seemingly has to be done online right now, banks aren’t really trying to make the Refi process any easier.

When a bank contacts you about the possibility of lowering the interest rate on your mortgage it should be a breeze. They have all the info they need based on the current loan and short of a few updated documents for verification, it should be a seamless and painless process.

Nope.

At least not with Chase. Maybe others have been better.

Their website doesn’t work like it should. They are communicating, or at least trying to communicate with me, through two different portals instead of one. I can only upload documents in one of those portals, but have another portal to “e-sign” stuff in. Makes no sense.

Then the mortgage advisor assigned to me doesn’t communicate with me until nearly the end of each day so it takes another 24 hours to get anything done. This all could have been done last week, but they can’t print (or download) the documents already signed on their website, and they keep asking for things we have already done.

Irritating I tell ya! I stayed with them because it should be relatively easy if you’re already their customer. Nope. Not so much.

Frustration.

Stepping back

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So, there was a pissing match and I didn’t want any part of it.

Turns out that the extra effort to prove me wrong wasn’t just about proving me wrong but to vindicate herself to another teammate too. As a result, a pissing match and tension.

I just decided to step back and not play along.

You can do your thing and the other can do their thing…but tell me what I m supposed to do to help clients when the info wasn’t readily available nor was it clear that there was much more involved than simply running a report on the data.

The problem with pissing matches is that everyone gets burned.

Weird play on words, but it’s true.

Have you stepped into something recently only to realize you best step back rather than get into the middle of it?