Wednesday, October 10, 2007

Notional Collision

Save as draft? I just spent several doggone hours crafting up perfection with words, and guess what?? this useless auto draft save thing caused my whole page and a half to disappear, poof!!! osmosis

wtf, sorta reminds me of the banking system. Whose interest does the overdraft protection serve to protect? I asked a banker this, and he couldn't seem to provide a liquid answer to easily digest. If i have no funds available in my bank, i don't expect credit. I expect to use alternate means to carry out monetary transactions, and should i use a card with no balance to try paying for goods/services, it ought to be declined - i am fine with this arrangement. However, the institution prefers to balance out transactions by settling/processing transactions from the highest amount to lowest, regardless of time of transaction. Now, say you have $100 in your account, should you purchase lesser charged goods up to $110, say 15 different items. Ranging from $2,$3, $3, $4 $4, $16$18, $20, $ 40 respectively. Regardless of date of purchase, the 40 automatically takes precedent and the $20 follows. Now, while balancing out budgets in your head, you just purchased several lesser goods, you still have funds accounted for in your account to cover these goods you just purchased. However, should you purchase additional goods, rather than declining the transaction, many banks will process that last charge(highest) with the funds reserved for these pending petty transactions. Do you know how frustrating it is to pay almost $33 for miniscule monetary transactions? I mean, if it were just one transaction that sent me overboard, shouldn't i be held liable for that said transaction and the applicable overdraft charge???? How come the high amt transaction ends up being in the clear, and the subsequents end up being ODraft... O'draft where art thou. How is this protecting my financial interest? who does this seem to serve? I called in and was astounded with the news that "hey buddy, you don't have overdraft protection on your account." Oops, if i'm not mistaken, what do you call this?? LIFO?

lets try publishing again




Closing notes

Today was swell, found out how easy it is to turn myspace into, well... my playground. It is quite surprising how several women fall prey to words. How can a stranger type up a mail, send it to you, and ends up getting your number the same day? Not one, not two, not three, but a fair number of subjects fall victim to words. This is pathetic, i admit. It is the internet, it is almost like telemarketing - i could pose as anyone on the phone. Is life that stressful?? hectic? time consuming that the handsome male you see daily while walking to work isn't worth your time to stop by and speak with???? I'm sure over the internet, our insecurities tend to evade our very being...

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