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ImageJaeRae
Feb 15, 2011 12:26 PM CST
Name: Jamie R
Zone 5, WI
save the rainforest & habitat
We have anti-trust laws in this country but nothing happens. Back in the 80s AT&T got broken up into mini entities but nothing changed and they are back at it again! Now is one example of how 'globalization' added fuel to their fire. More recently financial institutions have been able to widen their grid and are on that bandwagon too. Most people won't or can't take the time and persistance required to battle this affect. There are so many layers it seems not worth it from the level of an individual. The issue though is becoming increasinly unmanagable. Wonder what would happen if all by agreement turned everything off, quit patronizing the big box stores, and took to the garden (but of course, we can't).

Here's some rules I DO live by:

*Never shop at Walmart.
*Avoid medical intervention if logical care can work.
*Do not patronize a bank that fails to pay interest on every cent you 'loan' them thru deposits of any kind.
*Require free checks and reversal of all ATM fees.
*Call your insurance agents every year and inform them that your car(s) are older and/or property has depreciated in value so rates should react accordingly.
*Never pay a fee for a credit card; conversly find one that will pay you back for using it.
*Never put anything on a credit card that you don't have covered to pay complete balance off each period (use it only for convenience and to keep your banked funds earning for that extra 45 days).
*Always take advantage of tax deferral where you can (401k, IRA, energy rebates, HSA health insurance plans, etc.).
*Keep track of pending government bills and write (email) your congress people and representives your opinion regularly; most will answer.
*Never fail to vote
*Fight your cause as Neil did

AND...never least.......*Smile regularly! Thumbs up
Woman on the eastbound train
...........................................Je Suis Désolé.
(also a mule lovin', Charley huggin' girl)
[Last edited Feb 15, 2011 12:28 PM CST]
Quote | Post #563685 (1)
murielw1
Feb 15, 2011 12:45 PM CST
Thank goodness I no longer have a credit card, rather seen the greedy so and so's in hell first.
ImageJaeRae
Feb 15, 2011 1:06 PM CST
Name: Jamie R
Zone 5, WI
save the rainforest & habitat
Ah but...if I couldn't shop on-line I would have to waste time and fuel so many ways I do not have to now. Remember Muriel, I do not HAVE one of those turbo brooms!

Are you feeling better, or still struggling with that cold or flu?
Woman on the eastbound train
...........................................Je Suis Désolé.
(also a mule lovin', Charley huggin' girl)
ImageNEILMUIR1
Feb 15, 2011 2:38 PM CST
Name: Neil
London\Kent Border
Dear Jamie, I totally agree with you. I do not have a Credit card I have a Debit card, this in theory only ever allows you to draw or use money that is in your account. This may be me being cynical but the Bank has a tendency not to update your account after you have used your card. So 4-5 days later when you look at your account it shows X amount and a lot of people forget how much they have spent and believe their Debit card will stop them going overdrawn. Unfortunately the Banks have a habit of doing this near the end of each month, quite regularly. So come the end of the month someone may look up their Balance and believe there is money still in the account, and are awaiting for their monthly pay! Where in fact they are overdrawn and do not know it. Then they get a letter usually after they have been paid telling them they were overdrawn from this date till this date and they were charged £25 and £5 for each day after. Some Banks do this on a monthly scale and some on a quarterly scale. So you could go through a quarter of the year and get a letter with the Bank charges for that period, with some horrendous charges on it that you suddenly have to pay.
The Banks answer is you should keep your receipts as it is your responsibility to look after your own money. The Government are also aware of it and have vowed to stop it, but we are still waiting for that. How many people have the time to count up every bill to the penny? Or when there is a problem to have to contact the Bank whilst you are at work, of which you have to speak to India on the phone for absolutely ages. Not many Bosses would be too pleased with that idea.
If you go down to my Bank with a problem you have to wait to see a Personal Banker, this is complete waste of time. These people in their suits want to sell you something as they get commission on it. If you ask them about your account and show a discrepancy, they give you a booth with a phone to India, yet you are in your own Bank. Lots of times I have demanded to see the manager, when I was refused i just stood at the counter and told them I would not move until I saw the manager. eventually as the queue got longer the manager came out to see me. What did she do with my complaint, yes you guessed it rang India! Why pay a manager to ring the same Country on the same number that I have to?
The other thing and I got caught with this is the little Asian shops we have everywhere here. They are small shops that sell most food and drink things, magazines, newspapers etc., a lot of people use them if they just need some milk or have forgotten something. They are open early to late and sell Alcohol and cigarettes as well, so are well used. if you get your groceries delivered from a large store they charge £5, so although the little shops are more expensive if you only want a few bits it works out cheaper.
However I bought some beer on my Debit card, and it was three lots at £5 so knowing it was £15 I put my bill on the notice board with the others. A few days later I went and got some stuff for Sarah, except when I looked at the bill I thought it can't have come to this much. So I checked the shopping and added it all up and there was this mysterious item for £2 on the bottom, looking at my last bill for the beer there was this £2 on that as well. I went and saw the Landlord in my local pub as he knows what goes on, and he told me all the Asian shops do it as they know if you have not got a buss pass, or a car it is a mile and a half walk to the supermarket and the same back. So if you argue with them they tell you to go to the supermarket!
Knowing the people in the Trading Standards who work for the Council I went to see them and dave them the bills. Evidently if they have a sign up with £2 charged on every transaction and you agree to it it is not illegal. I told him there was no sign up and I did not agree with it. So they sent people to all the shops to go in and buy stuff for a week, nobody saw a sign and nobody was asked if they agreed to paying £2. They had also worked out how many people go in on an average day and how many use the card machine to pay! Then with the Police and Customs they went in a raided the shops in the early morning. They got 32 illegal immigrants who were living above the shops, which no one knew about. The Customs and the VAT people had a field day in the shops. VAT is Value Added Tax which is now 20 %, so if you buy something for £1, then 20 pence is added to it and it is supposed to go to the Government. One shopkeeper had been taking the VAT of his customers for nearly 5 years and keeping it for himself. This is a very serious crime in the UK and the Customs and VAT people have more power than the Police.
So he got done for harboring illegal immigrants,his £2 card scam, none payment of VAT, none Payment of income Tax, none payment of National Insurance (Health care), no Public liability insurance, breaking fire regulations and other things. I do not know how long he got in Prison, but it said in the local newspaper that the money he owed for all of this was so much they confiscated his £475,00 house and sold it. The money going to the Government, well not quite all of it! Unbeknown to me the Trading Standards people had my bills that I gave them when I brought the matter up, and had put them in as a claim against the estate. So I had to go down the office and sign this form and I got my £4 back. Plus a big thank you from them and they gave me the beers they had bought from the shop! What a result. So watch out as the little shops without bar code machines etc., can easily add a few £$ to your bill. Think how much money them shopkeepers made a day charging £2 to everyone who bought something on their card, that is frightening.
Regards.
Neil.




murielw1
Feb 15, 2011 2:45 PM CST
Both of us last night did not feel too good, we think it may have been the white wine sauce, as we have now had that sauce for a long time, hence we still did not feel up to having dinner tonight.
But both of us have had a sandwich tonight, me Mimite one, Peter a burger one.
Feel a lot better other wise, but if I get up too quick my head will let me know, but with the cold and rain, it is not doing our arthritis any good.
I can walk into town within 15/20 mins, but I do have a clothing agency book, but Peter will get me things of his card, I just give him the money so he is not out of pocket.
Hugs Muriel
ImageJaeRae
Feb 15, 2011 4:10 PM CST
Name: Jamie R
Zone 5, WI
save the rainforest & habitat
Well, Muriel, you take care. This is a bad time of year for illness.

Neil: good for you! We have several area stores run by people from India selling sundries too but mostly liquor and cigarettes. I suspect there is some of the same because if I come with cash everything is negotiable. Since I enjoy a drink and a smoke now and again, I go in about once a month to stock up. I take cash and get great pricing but no receipt. It is not my case, but I DO have issues with government on why it is that they levi the highest porportionate taxes on demographic groups that have the least means to pay whilst letting the true criminals off 'free'.

You bring to mind another of my rules though. I will NOT have a debit card. With a direct link to funds access, there is much more potential for fraud and the things that you mention. About a year ago, the credit card that I use for on-line purchases was knabbed and same day my CC company called me and said there were unusual charges against my account. It turns out that they had recognized purchases (because they were just under my prescribed per day notification limit and without my zip code) that I did not make, froze them and replaced my card immediately.

Later I learned that the same charges had appeared on the cards of several Cubits members that had used a particular vendor for a coop purchase. Of those individuals, the ones who had used debit cards had the greatest angst in trying to resolve because the debts had hit their funds directly (as debit cards do). i had nothing but the inconvenience of a new number.

BTW, it was not likely the vendors' fault; a small and honest operation but rather a hack into their files.

Anyway....added rule: don't link your cards directly to you money.
Woman on the eastbound train
...........................................Je Suis Désolé.
(also a mule lovin', Charley huggin' girl)
ImageNEILMUIR1
Feb 15, 2011 5:28 PM CST
Name: Neil
London\Kent Border
Dear Jamie I only went to the Trading Standards to find out if these charges were legal! I did not expect the Hornets nest to explode after reporting the shopkeeper.
I have a friend who was in the Army with me, he works for the Government clamping down on another thing these shops do. For they have a tendency to use British suppliers on sale or return of goods, plus non Duty paid goods. Then after about nine months to a year, the shopkeeper goes missing with all the money and someone else takes over. As most of the shops are rented there is no trace of them and they melt back into their community, only to emerge somewhere else and do the same thing again. Of course the suppliers do not get paid or get any goods back at all. as they have been sold long ago. The people who do this are incredibly difficult to trace as the communities they belong to do not trust the Police, Immigration, Customs & Excise or anybody in authority.
So refuse to talk and block anyone looking for the people who do this. It is clever how it is done as the shopkeeper who goes missing with a years worth of money, puts a certain amount in a fund with all the other people that do it. Then when someone new comes into the Country they supply the money for him to set up business, and so on, and the chain keeps going. No bank accounts, no real name, no address, absolutely nothing. My friend does track them down, but it takes months of work to get even one. Then if they are caught there is little evidence although the Judges no what is going on. so they get 18 months in prison. With good behavior they are out in a year and change their name and start again. They do not pay Tax or anything, that is why the Government do not like them.
If you asked for receipt in one of the Indian shops around here, they would assume you are from one of the Authorities that is after them.
It is the same with the Kebab shops, not only can you get a Doner Kebab but you can get most illegal mind bending substances as well. You can see the youngster in and out of them all the time, and they are not going in there to buy something to eat! The Police know about them but there is not enough Police to raid them all.
As for my Debit card I have an agreement with the Bank on a set limit per day. If I want to buy an expensive item, I simply inform the Bank the day before.
I agree it is possible for someone to take out under my agreed limit, but they would have to guess that and if they kept going lower too many times it would show up. Or so the Bank tells me.
As the amount I use is small and people are greedy, I hope they would come unstuck. It did happen once when someone tried to use my card to purchase something from a store, as I had purchased a small item on the internet. A lady from the Banks fraud squad rang me at home to ask if I was trying to purchase this item form this store. I informed her I was not. She told me they had blocked the first attempt as it was a considerable amount, and the person had tried again with other amounts and they had blocked it. They thought it was strange as I was in the UK and whoever was doing this was trying to buy something in another Country. They completely blocked the card and sent me a new one. I do not know how these people do it, but it must cost the Banks a lot of money, plus the inconvenience whilst you have to wait for a new card etc.
My best friend who has his own Business told me to have this arrangement with the Bank, it has proven to be a good way of keeping safe to me.
Regards.
Neil.

ImageJaeRae
Feb 15, 2011 5:49 PM CST
Name: Jamie R
Zone 5, WI
save the rainforest & habitat
Dear Neil: Yes, it seems you have built protections in as well. It keeps getting more difficult as criminals get smarter. You too have probably seen film that some have developed thin card readers that fit into the ATM slots and manage to grab the card number and photo the manually entered PIN as well. Now too, with cell camera devices everywhere, there is no way to protect one's self from electronic fraud completely. Crime is getting to be regular work! Hilarious!
Woman on the eastbound train
...........................................Je Suis Désolé.
(also a mule lovin', Charley huggin' girl)
ImageNEILMUIR1
Feb 15, 2011 6:34 PM CST
Name: Neil
London\Kent Border
Dear Jamie, I have heard of people doing that to ATM machines. I suppose they will try anyway to steal your money. There have even been cases of people putting fake ATM machines in and getting the details of everything from them. Some University students did that in north London and made a fortune, till the Police caught them, no more University for them for awhile.
You can only do so much to stop them. Even going to the Bank as I do to get my money out is not safe as the moment you walk out you could get mugged, and there have been loads of cases where the victim was forced to give them their pin number! If these criminals want it badly enough they are going to get it somehow. The internet is dangerous for it as well as anywhere else.
Mind you the Banks rob you anyway, that is legalized theft though! Rolling on the floor laughing
Regards.
Neil.
ImageJaeRae
Feb 15, 2011 7:11 PM CST
Name: Jamie R
Zone 5, WI
save the rainforest & habitat
Well, the banks will at least pay something for your loan. On attack: Oh yes, when I go out by myself for errands, I wear jeans, sturdy shoes, no expensive jewelery, and carry my keys threaded through my fingers. Gone are the glamorous days when one flaunted one's wealth on fingers and arms and flitted about in vulnerable shoes with purses slung over the shoulder on glittery strings. Hilarious!
Woman on the eastbound train
...........................................Je Suis Désolé.
(also a mule lovin', Charley huggin' girl)
murielw1
Feb 16, 2011 9:41 AM CST
Well!, something is good is coming from this government, in todays daily paper, I saw this, what a good idea.

David Cameron I qoute: N.C.S = National Citizen Service
The programe of community and voluntary work for 16 year olds, is being seen as Modern version of National Service.
8.000 youngsters have registered their interest while, 1.000 have signed up.

The Facebook site can be found at http://WWW. facebook.com/ncs

This was a very good topic to read.
Muriel
murielw1
Feb 16, 2011 9:51 AM CST
Well at last i have managed to get out into the back garden and have cut back some plants/shrubs, but my brown cordeline I have lost so that has been dug up it was all slimy, my green one I have taken all the leaves/fongs of it hoping it may grow more fresh ones, this was just the lower part of the back garden, next to do will be the main back garden which I will have to do in two goes, but it is nice to see all the spring bulbs in shoots. snowdrop still on show.
Still cold, wsith a watery sun, we have been informed that we are due for more rain tonight, and the soil is so wet as it is.
muriel
Imageirisarian
Feb 16, 2011 10:09 AM CST
Name: Lucy
Hamilton, MA
irises
Snow still on top of snowdrops (sigh). The warmth of the house melts snow next to it. I wonder if the peonies will bloom earlier than the daffs further out in the yard,
murielw1
Feb 16, 2011 10:21 AM CST
Take care and keep warm Lucy, Love Snowdrops such a dainty flower.
Love Muriel
ImageNEILMUIR1
Feb 16, 2011 10:51 AM CST
Name: Neil
London\Kent Border
Well i was listening to the BBC News and people are up in arms about this as it makes no sense at all, and the Government are not pleased that someone leaked the information after the press release they made. The Government to save 1,2 billion pounds is to cut the Police force by 20% in a year, with more cuts to follow. Then someone leaked this information from the Treasury.
The cost of guarding the Olympic games in 2012 has gone from 500 million pounds to 750 million pounds plus! The cost of the stadium has soared due to a different Government wanting different things. When the games are over, they are going to give the stadium to a local soccer club! Due to the fact there is not enough Police for the games, they are going to use the City Police, which is a Police force paid for by the financial center (the City) which is one square mile of London. The City are not very happy about this as it leaves them without the most highly paid and efficient Police force there is, which they pay for. Then they are asking all employers to bring flexible working hours in as due to VIPs and Dignitaries who wish to go to the games, a lot of London will be closed off.
This means that nobody can get to work, when the posh people are being transported across London. Anybody who works near the Olympic site has to have a pass which their employers have to pay for, that goes down well in a recession. The Marathon is to be run on a Friday afternoon which means from Greenwich to the center of London will be closed of, and the same of the cycle road race.
So the BBC went and asked the public and they were shocked. One lady asked the politician who thought this thing up as she has children and how is she going to pick them up from school.
He could not answer that!
Now the real sting in the tail, for they have already put VAT up to 20% and petrol/gas is nearly $9 a gallon, the Treasury details that were leaked states it is estimated that it will cost every single person in the UK between £250-£350 in Tax to pay for these games! Who is making this money?
So they asked the Public this morning and the games organizers were shocked that after this announcement that 92% of the public do not want the Olympic Games at all, and are not going to it!
The Government has also announced they are putting transport costs up again on the rail, buses and underground (subway).
So it seems from the ticket sales which are not doing very well, the only people to see the games live are people from overseas who can afford it, and not the people from the City it is in.
What a total cock up!
Of course the politicians do not have to pay to watch it, or the VIPs, we have to and cannot go!
This is going to cause chaos in London, with no Police and people just trying to get to work, oh what fun and a criminals dream come true.
Regards.
Neil.
ImageJaeRae
Feb 16, 2011 11:06 AM CST
Name: Jamie R
Zone 5, WI
save the rainforest & habitat
However changed by progress, history repeats itself. Smiling
Woman on the eastbound train
...........................................Je Suis Désolé.
(also a mule lovin', Charley huggin' girl)
murielw1
Feb 16, 2011 11:10 AM CST
Have you seen today in the main papers Barclays Bank staff and management have had hundreds of thousands pounds in bonuses, everyone else just struggling to get by, disgracefull!.
Muriel
ImageJaeRae
Feb 16, 2011 11:13 AM CST
Name: Jamie R
Zone 5, WI
save the rainforest & habitat
Time for a tea party? Well, we can't have one here anymore; greed followed the best of efforts. I tip my hat to you.
Woman on the eastbound train
...........................................Je Suis Désolé.
(also a mule lovin', Charley huggin' girl)
murielw1
Feb 16, 2011 11:58 AM CST
What shall we have for our Tea Party?.

Chocolate fudge cake, Victoria sponge cake, chocolate eclairs, scones with clotted cream and strawberry jam,

OR

Cucumber sandwiches, smoked salmon and cream cheese sandwiches, home cured ham and mustard sandwiches,
volauvent's with prawns in seafood sauce. open sandwiches, etc.

Who's that for a start Jamie
Muriel
ImageJaeRae
Feb 16, 2011 12:03 PM CST
Name: Jamie R
Zone 5, WI
save the rainforest & habitat
Ummmm...I like the 2nd set of choices best Muriel! What kind of mustard?
Woman on the eastbound train
...........................................Je Suis Désolé.
(also a mule lovin', Charley huggin' girl)

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