Peter pays Paul

palm trees

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Again, California and it’s Democrat leadership is getting it wrong. Again, and again, and again…

Apparently the Democrats there, well, anywhere really, think that money grows on magical trees.

They want Peter to pay Paul, by borrowing against the future and against an economy that won’t be able to support said future.

Essentially, Democrats are trying to buy votes for the upcoming elections, instead of being fiscally responsible. Whether the federal government is going to continue the increased unemployment giveaway, California is looking for ways to do it.

Do it? Yes, at the expense of the future by borrowing and borrowing and borrowing and then taxing and taxing and taxing. All under the guise that this giveaway will stimulate job growth. Not sure if they understand how job growth works, but you don’t tax businesses to death and then assume people will hire more people. It just doesn’t work that way. Businesses cut people off the payroll when they get taxed into oblivion.

Oh, and let’s not forget the “safety net” they are thinking they will provide will also be given to illegal immigrants who have lost their jobs. So, spending money on people who shouldn’t be here in the first place at the expense of people who should be here. That makes total logical sense (sarcasm)…and continues to perpetuate the encouragement of illegal immigration.

Insane. Idiotic. Stupid. Moronic.

So many words to describe California, all applicable.

 

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.┬áIn 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.

 

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.

Slaves

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We’re all slaves.

Slaves to something. Whether it be an addiction or ideology or habit or whatever, there is something that controls us to some degree. It is inevitable.

Guaranteed you’re a slave to money. So am I.

We all need it to one degree or another. Some of us need it less and some of us need it more but, any way you look at it, we all still need it. We don’t live in a hunter-gatherer society any longer so we obviously live beyond just a subsistence level (those were simpler days, weren’t they?).

So, I was thinking about the fact that we are all slaves today.

Through this whole pandemic thing, I have had to keep asking myself about whom I am willing to be a slave to. I need money, that isn’t an option. Because of that, I have really been questioning which is more important, my job or the government? Essentially, I am asking which am I willing to be a slave to.

Would I rather be a slave to big business or to big government?

Some might argue that they are pretty similar, really, but let’s not get into the weeds of the debate here. Would I rather be at the mercy of big business where, for the most part, there is innovation and some freedom to decide where I want to work OR would I rather be at the mercy of an all powerful government where I have to rely on them for most everything and not question them and there is little to no innovation or freedom of choice?

Business or government? Freedom or oppression?

Now, I am a historian and I know the history. I know big business can be a lot like a government in my ways.

There is always going to be abuse, but at least with business there is always the chance for the little guy to break away and try to make it on his own. Start something new if he doesn’t like the big business or has an idea that could possibly innovate an industry.

But with a government, in most cases, I can’t just pick up and move to a different government if I don’t like it (like I can with a job). Know what I mean? In most cases I am going to be subject to the current government and there isn’t a way for me to break away and say, “Hey, I have a better idea, let’s do it this way!” Thus going about establishing a new government I see fit for me and those who agree with me.

That option doesn’t exist under a government like it does with a business.

Anyway, all this to say, have we let the government(s) go too far with this whole lockdown thing? Which response, meaning what level of government, was appropriate – federal, state, county, city? Whom has abused their powers? The powers WE gave them and that WE may possibly need to fight back to get again?

I feel like I am rambling now. I was hoping to keep this as a short, salient point, but I fear the more I explain it the more confusing it gets.

So, who or what are you willing to be a slave to?

Got away

man s hand in shallow focus and grayscale photography

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I’m late.

Sorry.

The day got away from me. I started working on a project for work and just lost track of time. I supposed that means I won’t Piss and Moan about anything…

Or maybe I will!

Life sucking, or money sucking, family members.

There. How do you feel about that?

There are members of families all over the world that seem to be the parasite, a leech, a blight upon the family. The neediness doesn’t stop and when some people in the family try to stop it, others of the family continue to enable it.

It might be the individual’s fault, or maybe just bad luck (or no luck at all), or maybe they are just the victim of circumstances, doesn’t really matter because they still seem to need something all the time. Want. Need. Whatever. Hand’s always out, looking for something.

“Help.” “Can you lend a hand?” “I was wondering…?” The approach may be different and sometimes it’s even a little veiled to make it look like they aren’t asking for help, but in reality they are. It’s always the same, but different.

Tiring. That’s what it is.

Day 2

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Vacation, Day 2:

Plans are rather sparse today.

The weather doesn’t appear, at least at the moment, that it will cooperate like it did yesterday for more outdoor activity in the yard.

So, what to do, what to do today?

Well, at least for part of the day I am going to put on my mask and venture out to get some propane and weed killer. I don’t think we have any other needs in the supply area at this point so it should be a fairly quick trip outside the confines of these four walls.

After that, who knows? Perhaps I’ll set up some scaffolding and begin painting on the ceiling…or get out a toothbrush and clean the grout between the tiles in the kitchen floor…or maybe I’ll even read a book…

With no plans on this vacation it is hard to decide what to do with so much time.

Time. We always say we need more of it so we can get things done. Now I have it, but can’t get things done because we are supposed to limit our travel to “essentials” needs, which means the stores I need to go to for supplies to get things done are “open” but mostly off limits. Plus, we don’t know how long this whole lockdown thing is going to last so is it really wise to spend money on big projects I want to get done when that money might be needed for something else more important in the near future? Yeah, it’s a question that is sorta like “Why did the chicken cross the road?” There is no right or wrong answer, just an unending philosophical, circular thought.

This is going to be the worst vacation ever.

Vacation, Day 1 Update:

So, the chores and nice weather won out. this was the progress made in the front flower bed. Not much to look at because over the years many of the plants that were there to fill the space have now died due to insects and cold. So, lots of empty ground. But, at least there are no weeds in there now. At some point it will get replanted…but should it happen before landscape improvement or after?

Who did this?

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WHO DID THIS?!?!?

…leaving a square destroyed like this is just not acceptable. It’s unusable at this point!

I may hyperventilate at the wastefulness. This impacts resources. Seriously. This stuff doesn’t grow on trees…and neither does the money needed to buy this it…

Wait.

Wipe that…from the memory banks…

Maybe both do grow on trees.

OK, “toilet paper math dad,” what do you do with this? How does this calculate into your figuring? And does the average person actually need (or use) 20 squares? But I digress.

All right, what do you do with these wasted squares? Do you put them inside the next wipe, do you tear it off and drop it in the toilet so you have a nice neat edge for the next wipe, or do you tear it off and re-purpose it? Any other ideas you can think of?

Savings

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Anyone else notice that banks, the place that needs money more than anyone to do the business of money, does nothing to encourage savings? I mean, well, they do give it lip service but that doesn’t really count.

A bank is a place to put money, to store it or save it. That’s what they were originally created for. It was safer to have it stored in one place where they could keep it safe and then when people needed it they could go there to get it out.

As time went along, the banks figured out they could make money by loaning out the money people deposited with them and then charging interest on the loan, thus making it a profitable venture to store money.

As banks increased the amount they loaned out, they needed more and more people to “invest” with them and they used the new capital to loan more money out. It’s a bit of a vicious cycle, but it makes sense for all involved until…

…until it didn’t make sense to put money in the bank any more.

The interest rate you get from the bank on the money you put in the bank is almost nil. Like far all intents and purposes, it is ZERO. So, what is the benefit of putting money in the bank? Sure, there is the convenience of not carrying around piles of cash or pounds of coins, but is that all?

Banks need capital. You think they’d do something to encourage people to put there money there. I actually deposited a rather large amount of money in a bank that was giving an outstanding rate on CDs (Certificates of Deposit). That’s how a bank should generate capital.

They seem to take for granted that they are just guaranteed business, which maybe they are. Maybe consumers pay no attention at all to the fees or benefits they get from bank to bank, but it does pay to shop around and give business to banks that actually benefit you rather than just use you as an endless supply of currency to feed off of.

We need to be better consumers and actually cause the banks to fight for our money. Let’s bring the competition back and make them beg for our money instead of letting them tell us what we can do with our own money. Make sense?

Who’s with me on this?

Underwhelmed

view under pier in sopot

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I don’t know if this is possible, but I think it probably is.

Is anyone else so overwhelmed by the Black Friday sales and ads and commercials and flyers and emails….that they are actually underwhelmed?

There is so much! So much. I found myself going through emails yesterday morning and then actual printed ads yesterday afternoon (you know the ones that come in the paper?) and I just found that I was so overwhelmed that I was underwhelmed.

There just wasn’t anything in the ads that made me go, “Whoa! I gotta get that!” Nothing in the ads that made me want to get out of bed, to either go to a store or to shop online.

Anyone else feeling it too?