<![CDATA[Comments from -J-]]> <![CDATA[Comments from -J-]]> <![CDATA[-J- commented on <i>30 Days</i>: Gay Adoption Doesn't Go Over Well With Mormon Mom]]> You blithering idiots. Seriously, at all equal points in this episode there was just as much opposition and attacks on her, in a very tough situation, as she was trying to keep her beliefs. At no point in this episode did they ever consider her an equal. You can see the looks they make to each other simply for her saying what she is saying.

And then, as is expected, you get the mindless fools at places like this making snide comments and completely and equally ignorant comments against the Mormon faith, and against her for not believing gay couples should be able to adopt because of the talking points you have by wrote as the only stream of thought you have available to you.

The posts here, and elsewhere is an archetype of the real decay in our society. It isn't religion, it isn't anti-religion. It is the ignorance and pride and egos that prevents true equality from happening so you can all get cheap thrills at feeling superior for even a moment that is pulling us all apart.

You all make me sick.

]]>
<![CDATA[-J- commented on Woman Loses Home Over $68 Dental Bill]]> Outside of probably not hearing the full story. If we did hear it, here is my major problem with the precedent this sets.

I have a random collection agency after me for the last 7 years for a debt that I never owed. I contest it, it's passed to someone else. Quickly I realized that even I could, as a business, say someone owed me money. They contest the charge and I simply sell it to a collection agency for 50-100% of the amount I claimed is owed, only documentation I need is an invoice and 50-90 days of non-payment. Then that person, by my hand, joins credit hell. There are no real safe laws governing my sending out random charges claiming services rendered, not getting a payment after a period of them contesting the charges and then selling it to a credit agency.

I think this sets in place a HUGE security hole if this is all true for us in America.

That $200 charge comes from a company I never had dealings with, yet after 15 different collections companies it has ballooned to over $1500 and they don't have record of what it was originally. I happen to have it, yet legally the originator of the charge claimed has no further responsibility over it because of the nature of the collections company it was sold to.

I have even gone ahead and paid this debt 2 times and yet it still floats around as if I owe it.

I can't believe how sick things are getting here in the USA.

]]>
<![CDATA[-J- commented on Sallie Mae Stops Student Loan Consolidation, Will No Longer Pay Origination Fees On Stafford Loans]]> @mac-phisto:

This only applies to federal loans. Not private loans which generally is 50% or more of the average tuition now.

]]>
<![CDATA[-J- commented on Sallie Mae Stops Student Loan Consolidation, Will No Longer Pay Origination Fees On Stafford Loans]]> @KarmaChameleon:

The problem is, not everyone has federal loans. ed.gov only consolidates federal loans. It is wrong, but that is all they do.

People with private loans (which is a large part of the whole student loan crisis) are stuck now more than ever with this new trend of no longer consolidating loans.

]]>
<![CDATA[-J- commented on Creative Sparks Customer Revolt When It Tries To Silence Third-Party Programmer]]> @thewriteguy:

No, Creative wanted them to cease any and all distribution for violation of IP laws. It wasn't just seeking donations for his time spent to put the drivers together, in fact he wasn't seeking to charge anything for anything IP related. Just donations for his time.

]]>
<![CDATA[-J- commented on Not All Verizon FiOS Customers Will Get 100% Fiber]]> Clarification of technologies for you all to know. Verizon, if they cannot specifically address the individual apartment (for example if it is in a larger building) will wired multiple apartments in one "data center" like room in the basement or some service closet where phone lines typically come in.

Verizon FIOS is nothing more than a DSL that can achieve VDSL speeds because of the sort distance it has from the modem to the DSLAM which is where the ONT is 10-150 feet or more away. This is in lieu to having it going 2000-10000 feet to the nearest telephone local office which limits speeds greatly.

This is still technically fiber to the home/premises by definition, the equipment, however is just slightly farther away and not taking up closet space somewhere in an apartment unit. No speed difference or bandwidth reduction is made with current speed availability for internet, tv, phone throughput.

Far too many people mistake or have a mental visualization of fiber to the home almost as if it is supposed to have a fiber optic line plugged right into the end user's pc. That is not the case.

What Verizon desperately needs to improve on is their customer service. There is no cloak and dagger going on here with FIOS services.

]]>
<![CDATA[-J- commented on Staples Rebuts "Charge Senior Citizen $390 For Basic Computer Repair" Post]]> @SomeoneGNU:

imagine the countless calls into Dell and Gateway computers then if it is so easy to unseat memory.

Guess what? It doesn't happen.

]]>
<![CDATA[-J- commented on Staples Rebuts "Charge Senior Citizen $390 For Basic Computer Repair" Post]]> @masonreloaded:

I may even do a youtube video to demo your statement as true.

This Bob MacDonald and the tone of the "letter" really gets him the nomination for douchebag of the year. I am never shopping at staples again.

]]>
<![CDATA[-J- commented on Worst Company In America 2008: Preliminaries: Frontrunners]]> I wish Sallie Mae would get voted up more. They just managed to get me fired again from a job I was able to keep for almost a year before they started to threaten my boss with lawsuits and court orders for wage garnishments. What do they do after they got me fired? They didn't follow through with the default they claimed they would do, they auto-forbear my account again and added another $10,000 to the principal. Which was what raised my originally $35,000 loan to over $100,000 in less than 2.5 years!!!

I am now on state assistance, food stamps, and Unemployment. After 5 lost jobs from their incessant calling, taking up all my working time and my co-workers time and my bosses time, you have managed to nearly ruin me and my wife. Thank you Sallie Mae.

]]>
<![CDATA[-J- commented on Remember Ed and Elaine Brown?]]> They really aren't. Taxing is unconstitutional in that it's not a part of it. So it was an added invention later. That is not to say funding of the government isn't necessary, but enforcement of collecting, and the amount of taxes and what is taxed in the first place is very wrong. Then accountability of where our taxes go are also very wrong.

The mistake they made was being extreme in thinking that just because it doesn't specifically say we will have a tax and be taxed on particular things in the constitution must mean that it is against some law to tax and that somehow the government can run on it's own without funding. Thats when they went to far and jumped the kooky shark.

]]>
<![CDATA[-J- commented on Banks Earned $19 Billion From Overdraft Fees This Year]]> @wring: Yes it is good advice and works...sometimes. Sometimes the transactions is posted same day, sometimes a day later, sometimes not until the following Monday or Tuesday. We should not be having to jump through such illogical hoops to keep track of anything in regards to our money. It used to be I could rely on my bank to process transactions in order so I can keep track of them. Process auto-debits on the day they are charged from the various companies I may have auto-debit (or is required by some now such as Verizon FIOS).

]]>
<![CDATA[-J- commented on Banks Earned $19 Billion From Overdraft Fees This Year]]> @Xerloq:

indeed, it happens all to often.

]]>
<![CDATA[-J- commented on Banks Earned $19 Billion From Overdraft Fees This Year]]> @STEEL_PELICAN, you are absolutely right! I am having the same experiences with Wachovia as well. $1000 of that $19 billion has been my own money stolen from that bank. Mind you, I have had an account with Citizens Bank for just as long with another account, never a problem. Also previously I have never had this many overdraft fee's with the same type of usage on my accounts as I did with Wachovia. Their entire reporting system is unreliable. I check my balance and transactions each day. Checkbooks don't matter as they don't process transactions in order, and sometimes you don't find out about autotransactions until days later online as they don't apply them in order either. The ONLY solution is to have at least $500 in the account at all times, then they pretty much have to leave you alone. Not all of us have that luxury.

@Gev and the like, yes you are right. However, when the environment for keeping track is made impossible, what do you do then? When you have bills to pay that don't wait for your bank to decide to cash your incoming paycheck at will, or worse, when Wachovia has the paycheck in hand and waits for incoming transactions, and postdates the amount applied to the account days before a day AFTER all outgoing transactions are made from greatest to least so that it inflates the occurrences of overdraft fee's, you are set up for overdraft fee's from the start.

That is the difference Gev. Wachovia, and a few others exploit the way they have been allowed to process transactions to maximize overdraft fee's with recent law changes. That is how the industry pulled in an extra $19billion suddenly this year. it's not made of a sudden miraculous increase of 542.8 million some odd overdraft's at $35 each. (do the math) It is because they have in fact set things up to artificially inflate overdraft occurrences to collect on the fee's. How else do you think the fad of free checking suddenly is no longer a fad? They realized they can make much more money doing this.

]]>
<![CDATA[-J- commented on Clip Of Meghann On ABC's i-Caught]]> Meghann keep up the great work!

While I myself still haven't had much luck getting Sallie Mae to work with me yet, I may be just about to get myself a video camera and put together a little something for everyone to see. Thank you very much for posting my plight however. The more who know about them, is more who can never do business with them.

]]>