Random Rantings from an Unarmed American

I-Go Car Sharing Prices

2008-04-17T16:23:00.007-05:00

Soon after I moved to Chicago my trust old Subaru became much less trusty. I didn't want to buy another car so I joined I-Go Carsharing and ditched the junker. Since I joined they have gone though a few different fee structures and added tax. Overall I'm really pleased with the service and the cars but I have always felt like there was a need for better reporting on what the different vehicles cost per hour is. So I made a chart of the GO standard rates.

Weekday/Hr	Weekend/hr	Night	24 Hrs	Price Tier
$5.65	$6.50	$2.00	$60.00	A*
$5.65	$6.50	$2.00	$65.00	B
$6.50	$6.75	$2.00	$70.00	C
$7.00	$7.50	$2.00	$75.00	D
$7.50	$8.50	$2.00	$85.00	E

Night is midnight to 6:00am and the tiers are for specific locations not specific vehicle vehicle type.

Vehicles in each tier:

A*: Civic Hybrid, Fit, xB, Matrix, Prius, and Element
B: Civic Hybrid, Civic, Fit, xB, Matrix, and Prius
C: Civic Hybrid, Civic, Fit, xB, Matrix, and Prius
D: Element
E: Sienna

* Tier A is identical to tier B except for the price of a 24 hour reservation. On April 17, when I checked, that pricing tier applied only to these vehicles:

4479 xB
4518 Fit
4416 Element
4549 Civic Hybrid
4491 Prius
4539 Fit
4538 Matrix

I only have a GO Standard membership so I cannot post the prices of the other plans.

Inked Finger=Freedom?!?!?!?

2008-01-28T22:04:00.000-06:00

"We've seen juvenile Iraqis holding up ink stained fingers and celebrating their freedom." George W. Bush, January 28, 2007

I have long been frustrated with the substitution of a symbol for the actual practice of democracy and freedom. Remember the State of the Union Address in 2005 with all of the Republicans sporting newly stained fingers? Yet "our" president continues with this pointless rhetoric. President Bush has to go back to years to find something positive about the nascent government in Iraq. Casting a ballot is not liberty, by that measure both Saddam Hussein and Fidel Castro have ruled over free societies.

Democracy, liberty, and freedom exist as a state of being in their truest form. They are not enjoyed through the singular civic act for voting, but are experienced in perpetual freedom of voice, action, and thought. It is no wonder the President George W. Bush confuses what freedom means for the Iraqi people as he has fought to restrict the freedoms of his fellow Americans.

I can only hope that our next president has the strength of character and good judgment to use actual progress as the measure for success and doesn't inflate a fleeting moment of promise into a defining achievement. How many innocent Iraqi's have died since 2005? How many more will die before Bush's folly in the Mid-East is over?

Over the lake and through the woods...

2008-01-27T21:26:00.000-06:00

This morning I went mountain biking in the winter for the first time in a long while. At Palos, just outside Chicago, we knew it would be an interesting ride with a few inches of fresh snow from Friday night and the mercury hovering around 17°. While it was slow going, I had a great time. The crisp air and pristine forest combined to make for a memorable experience. We ended our ride with a loop around Maple Lake, four bikers cutting fresh tracks through new powder on the ice.

Many thanks to Chris for re-introducing me to the joy of winter mountain biking, and for having patience with my slow progress.

MacBook Air-ror

2008-01-16T07:16:00.000-06:00

I penned an extensive rant yesterday and feel even stronger about the new MacBook Air after sleeping on it.

The Air is either an expensive and slow MacBook with no expandability, ports, optical drive, or replaceable battery. Or it is a large, not very well featured, and marginally faster sub-notebook. Neither is very compelling.

What Apple forgot:

- Sub-notebooks are about footprint not "thin." Anything with a 13.3" screen is not a sub-notebook. People who buy a sub-notebook know this and enter into the purchase knowing full well that their window into the computer is limited.
- The Sony TZ IS great sub-notebook hardware. It is a proven form factor. Comparing a TZ to an Air in all three dimensions shows the TZ to be the truly more portable device.
- Thin is fragile. The thinner a product the harder it is to minimize twisting and torsion stress on the components. I have my doubts about real world durability.
-Apple really needed something to come in under the MacBook, not between the MacBook and the Pro. Imagine if the Air was a $900 computer with an 11-12" screen and NO PORTS. People would be much less inclined to find fault with all of the compromises because of the size and cost.
-People with sub-notebooks also love docking stations. Throw a $300-400 docking station into the mix with a larger companion hard drive, a DVD burner, and a full complement of ports and you've got a great computer.

What's got me bummed about the MBA is that it is so close, even if only one or two of my issues were resolved (docking station being #1) it becomes a much more compelling product.

MacBook Air: The G4 Cube Revisited

2008-01-15T15:33:00.001-06:00

The MacWorld goodies are out of the bag and I'm rather disappointed:

New:
MacBook Air
Time Capsule

Updates:
AppleTV (software only)
iPhone (software only)
iPod Touch (software only)
iTunes (movie rentals)

Time Capsule is cool but is not something that is that much different that any of the other NAS devices on the market. I'm certain it is more integrated with OS X than any other device.

The big new for this MacWorld is clearly the MacBook Air. In the first hours after its release into the wild I'm going to make a prediction: the MacBook Air is the PowerMac G4 Cube of 2008. Really cutting edge from a design view, but too much of a compromise in terms of usability and cost. Like the Cube the MBA seems to just miss on a few key things.

Here is my list of misses: (I'm make reference to the Sony TZ throughout because Steve mentioned it and I've used one, I really liked it as hardware but despised Vista and Sony's pre-installed crapware.)

Is it small? It is thin. Really, really thin. But on the other two dimensions (It still exists in three dimensions) it is the same size as a MacBook. This is obviously the result of the screen limiting these two dimensions, but who said the MBA needed a 13.3" screen? (I think I know the answer to that one, and it wasn't his fake persona.) Thin is good but small is better. Reducing the already smallest dimension doesn't do a whole lot to make a notebook smaller. The Sony TZ with an 11" screen is slightly thicker but it is considerably smaller in the other two dimensions, the two that matter in my opinion.

Optical Drive: This is the biggest thing that smacks of the Cube to me. The cube has long impressed me as a machine that was designed from the outside in. Once the appearance and casing are decided on everything has to be shoehorned into that design or it was left out. In the MBA's case that happened to be the optical drive. Optical drives are still a necessary thing, even if it is just to watch a DVD on an flight. Messing around with an external or the virtual drive thing smacks as a totally inelegant solution to "the world's thinnest" computer. The Sony TZ has an available DVD-RW DL drive.

Screen: Glossy only! Need I say more?

RAM and Storage: The 2 GBs is soldered to the motherboard. While the TZ does have removable memory its maximum is also 2 GB. Not much to compare until your memory goes bad (I've never had that happen, I've just heard of it happening). The MBA has only enough room for a 1.8" storage solution. Apple has specified an 80 GB iPod hard drive (presumably there is not enough room for the thicker 160 GB iPod drive) or a 64 GB SSD drive for a cool grand more. The TZ has the same 1.8" but can accept the slightly thicker 160 GB version and has the option to replace the optical drive with a 2.5" laptop hard drive. One can outfit the Sony TZ with several hundred GB of storage on two drives!

Ports: USB and a headphone jack! That's it (I don't consider the "micro" DVI hole a port because it isn't a usable port until you add the dongle which kind of destroys the idea of compact protability). No wired ethernet, no firewire, no audio in, no express card? Without a wireless connection the MBA becomes a gilded cage for your data. The Sony TZ has all of this plus two card reader slots (SD and memory stick), more USB and a normal video port (albeit, VGA).

Battery: This thing has an iPod-like build in battery. Come on, Apple!?!?! Hope you aren't working on a deadline with no access to power when the battery dies. My backup battery for my PowerBook has come in REALLY handy for me. The TZ has a removable battery.

Cost: What do I gain for ~$500 over a MacBook. Besides the eye candy and three pounds vs five, not much. You do, however, lose performance (1.6 vs 2.0+ GHz), ports, optical drive, battery change-a-bility, and storage. Like the G4 Cube where people decided to buy PowerMacs instead and put functionality ahead of design, people will choose the MacBook over the MBA.

To summarize my complaints: The cost of thin is too much, in function and dollars. I would have much rather seen a less radical design with a smaller footprint that included the standard array of ports and drives instead of such a focus on thin. To me this is like VISA trying to sell me on a credit card that is half the thickness of the one currently in my wallet, and to make it thinner it doesn't include the magnetic strip. Ultimately for Apple it doesn't matter if my credit card has a magnetic strip or not, I will not be purchasing anything announced at this MacWorld.

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My Fixes: I am always skeptical of critics without solutions so here are mine. While my ideas are pure academic here they are.
- 11" high res screen, matte, with a focus on footprint reduction.
- Optional bay. Let the consumer decide what goes in that spot: optical drive, second HD, or even another battery
- Don't get so hung up on thin
- Include optional 3G wireless data (This seems like the ultimate "MacBook Air" to me).
- And MAKE A FRIGGIN' DOCKING STATION!

My Docking Station Rant: If Apple had announced a companion docking station that included a bunch of ports and maybe even a large hard drive, the portability doesn't come as such a sacrifice to performance. Things that could be gained by a docking station:
- Storage in the dock. An iPod-to-iTunes-like relationship between the dock and the computer. You could keep some things synced on the MBA but most things are stored on the dock.
- You could access the dock storage remotely through the internet, just like Leopard does using "Back to My Mac."
- A higher volume fan on the docking station could allow for faster clock speed of the CPU when docked.
-A video card installed in the dock could drive a large monitor connected to the dock.
- A small travel dock could give access to more ports on the road while still keeping a compact form factor.

Let me know what you think. Am I wrong about the MacBook Air?

Bank of America? Not My America

2008-01-12T16:35:00.000-06:00

So I have an issue with Bank of America. I need to speak with a customer support person due to a problem syncing with Quicken. I have been on hold FOR AN HOUR AND A HALF and have not yet spoken to the person in web support. The initial customer support person I spoke with was nice enough and was available after a short wait. She transfered me to Quicken banking support an hour and a half ago. Such BS!!!! Bank of America? If this is America I'm moving.

Update: After over two hours on hold I finally spoke to a person. Turns out BoA does not support Quicken Direct Connect if you have a Mac. Every account I have with other financial institutions supports Direct Connect for Mac so BoA must not care to have Mac user's business. I canceled the card.

Here is my conservation with the BoA guy: (I edited out the two hours of hold music. Also, I initially sound like kind of an idiot and can't formulate a coherent sentence. I think two hours of that music made me dumber.)

Note: Direct Connect is a feature in Quicken, since about 2001, that allows the software to download transactions without logging in through the bank's web site. BoA does support Quicken Web Access so you can download your transactions once a month after your statement has closed. This is not very user friendly and defeats the purpose of tracking account balances in Quicken

Note 2: This card was an LL Bean credit card. LL Bean has always had top notch customer service. It is suprising that a company who takes such pride in its customer relationship would partner with Bank of America to handle its branded credit card.

Best Buy is a Bitch

2008-01-10T22:21:00.001-06:00

I needed a last minute gift for someone and on my way to see them I stopped by Best Buy. I had been given a heads up that this person had just received a new iPod Nano and could use a case for it. After looking over the selection and getting over the fact that $0.27 worth of molded plastic can retail for $24.99 I decided on the DLO HybridShell for the Nano. I gave it as a gift and all was well in the world.

When I got home I looked up the DLO website just to see what they might have for PSP and noticed that the DLO HybridShell for Nano is listed with a MSRP of $19.99. Now, I know that Best Buy is almost never the cheapest place to buy things, but more that MSRP? I checked the Best Buy website and there it is listed for $19.99. WTF? I called the store and where I made my ill fated purchase and they were more that happy to "price match" to the $19.99 price after checking on their computer with bestbuy.com and refunded me the difference to my credit card over the phone. I asked the clerk why would you need to price match with Best Buy, wouldn't the price just be the same? She had no idea why and did mention that this particular item had been $24.99 since November.

I know that it is five measly dollars, it just really gets me when retailers try to pull this kind of BS. I can almost hear the MBA douche with a pie chart showing the cost/benefit analysis of jacking up the price on iPod accessories. He probably got a raise. It would be nice to just feel like I can trust a business to sell me product with out playing games.

Has anyone else had a similar experience with Best Buy?

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All I Want from MacWorld '08

2008-01-07T16:07:00.001-06:00

With a week to go before all the new Mac goodies are announced the rumor mill is in full swing. Around this time every year I ask myself, "What would make me open my wallet and trade my money for a bit of aluminum and plastic Apple goodness?"

A lot of people seem to be answering that question with a small notebook computer with flash based storage for $1500-$1700. My good ol' 12" Powerbook is still cranking away and is small enough for my needs. Plus I don't think that $1500 is reasonable for that product. Sony makes their TZ series which is available with all flash storage (which is still really expensive per GB) in a really compact form factor that retails for nearly $3000.

All I want to be announced at MacWorld '08 is half a MacPro. That's right, all Apple has to do is take a MacPro and remove half of everything. Half the HD bays, half the PCI slots, half the processors, half the optical drives, half the memory, and especially half the price. Call it the "HalfMacPro."

Right now the cheapest MacPro (2.0 gHz) goes for $2200 (Now the base price is $2300 after the Jan 8, 2008 upgrade). The G5 started at $2000 and the entry level G4 was $1500. As a result of the base price creeping up Apple has opened up a huge hole between the Mac Mini and the MacPro. Start the HalfMacPro at $1300 and it will sell like hot cakes. This will be at the expense of some other models, but at that price it will be the similarly priced iMac, not the pricey MacPro that would see the hit. My guess is that the manufacturing costs for the HalfMacPro would be less than an iMac so Apple would realize greater profit. This computer would have a big appeal among prospective switchers who just can't bring themselves to go with an all-in-one iMac, but aren't willing to drop well over 2K to try out a Mac in a form factor they are familiar with.

When Apple introduced the Mini it was targeted at Windows switchers. Remember the BYOKM (Bring Your Own Keyboard and Mouse) ads? But it missed that mark because it was to much of a leap for Windows users to stomach in terms of the hardware form factor. My proposed HalfMacPro would be a more comfortable alternative for the person who still can't accept the Mini as a viable computer.

"HalfMacPro" Specifications:
1 Socketed processor for a desktop processor. No more laptop proc in a desktop! If Intel has something new, great, otherwise a Conroe or Allendale would be perfect.
1 Optical bay for a full sized Superdrive (Blu-Ray?!?!?!).
2 PCI slots, 1 is a wide one so gamers can drop in a super duper video card.
4 RAM slots, just use one of the daughter cards from the MacPro.
2 HD bays, It would be really cool if they were set up just like the MacPro.
1 Gigabit Ethernet port. Is anyone actually using the second one on the MacPro?
1 Firewire 800 and 1 Firewire 400 port, one front and one on the back.
As many USB ports as possible, including on the front!
All of the same audio I/O as on every other Mac with optical and analog capability.

That is all I want, really. Nothing else. It will be a 15 minute keynote this year. I may go postal if I have to witness another video iChat with Phil Schiller! I DON'T CARE IF IT LOOKS LIKE HE IS ON A TROPICAL BEACH!

UPDATE!: Apple announced new MacPros today (Jan 8, 2008). With the new set of impressive specs comes an even higher base price of $2300. Is Apple making room for a computer between the Mini and the MacPro?

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Obama better canidate the Clinton

2008-01-06T21:16:00.000-06:00

This video demonstrates why I think Sen. Hillary Clinton is not the right person for the Democrats in 2008. While both Obama and Clinton have good numbers with Democrats, the presidential election is won or lost by how the independents vote. Obama draws in the independents and Clinton doesn't.

I watched the entire debate online with the focus group numbers overlay and almost every time Clinton had an opportunity to talk the independent trend line dropped markedly. For all of the other Democratic canidates the trend lines track much closer together, and Obama often had the independent line above the Democratic one!

That said I felt that all of the Dems ranked head and shoulders above the GOP field. It was striking to see the lineup from both parties debate back-to-back. The Dems focused on the big issues that our country is facing while the Reps were constantly mired in boutique conservative issues.

With the new CNN-WMUR poll showing Obama with a ten-point lead over Clinton (39% to 29%) it could be a very short primary season for the Democrats in '08. What do you think?

OBAMA WINS!!!!!

2008-01-03T22:40:00.001-06:00

Barak Obama wins in Iowa primary in a big way! Hillary finishes third. I've long suspected that when the chips are down the Obama supporters have more passion for their canidate. Early results seem to indicate that Obama captured a large portion of new caucus goers, maybe George Bush should take credit for the huge turnout of new Dems in Iowa!

I can't wait for NH. My prediction is Obama in a squeaker. Obama's credibility just got a huge shot in the arm, which he will parlay into a NH victory.

New Year, Same Old President

2008-01-02T10:00:00.001-06:00

Come this time next year we will know who the new president will be. I'm hoping it will be Barak Obama. As the first official step toward selecting our new president takes place tomorrow in Iowa I feel a strong sense of anticipation I've never felt this early in the process. I know I'll be watching the Iowa primary results tomorrow night, will you?

SoCal Wildfire Map

2007-10-23T22:24:00.000-05:00

As the fires increase in size I wish there is something I can do to help. While I am unable to provide direct support to those fleeing the flames I'm still hoping to contribute something.

After a frustrating search for resources showing where the fire has burned and is burning I decided to make my own map with the help from Google Maps.

Here is the result:

Southern California Wildfire Map

It is a work in progress but I wanted to get it out as soon as possible to maybe help cut through the confusion that is certainly gripping the hundreds of thousands evacuated. PLEASE READ THE NOTES AT THE BOTTOM! There I describe exactly what the data shown on the map actually represents.

The fire data comes from http://activefiremaps.fs.fed.us/

KPBS.org in San Diego does have a really great Google Map but it only covers the SD area.

Please give me any suggestions for improving the map in the comments section.

My heart goes out to the evacuees, firefighters, and police officers as they work through this unimaginably difficult time.

Big Brother is Watching the Mass!!!!

2007-06-30T20:26:00.000-05:00

On the last Friday of each month (only until August according to some) there is a meeting of Chicago bikers to participate in a little civil disobedience called the Chicago Critical Mass. For the June event I bolted a camera to my bike, set it to take a photo every 15 seconds, and posted the results on Google Maps here. See if you can find an action shot of yourself! There are over 400 photos; more will become visible as you zoom in. I'll post a how-to in future post so stay tuned.

FYI: This does not work with Apple's Safari browser. I know it works with Firefox.

Hacking the Apple Weather Widget

2007-06-25T21:00:00.000-05:00

I use a Mac. I use Dashboard. As a biker I use the weather widget every morning to prepare myself for weather conditions I will encounter on my ride to work. If rain is in the forecast I will check the radar page to see if the precipitation is eminent. This involves three clicks with associated wait time for the web page to load (1. Click on weather widget to open accuweather.com, 2. Click on "Radar," 3. Click on Large, animated radar). It also bothers me that the default page the widget is linked to displays all of the same info listed in the widget. Most mornings I am running late and would like to speed up this process.

I want a one click solution from widget to radar.

Since widgets are just html and javascript I figured that somewhere there is a link to a accuweather.com page. After poking around in the weather widget I found the link and changed it. After a quick logout-login I have one click access to my preferred radar web page.

How to:

1. In the Finder select Go to Folder... from the Go menu.
2. Type "/name of your OS X volume/System/Library/WidgetResources/.parsers/" and hit return.
3. Drag the file "weatherParser.js" to the desktop and create a duplicate of it named "weatherParserOrig.js. This is important because if you mangle something in the script you will need a backup.
4. Open the "weatherParser.js" file on the desktop in TextEdit.
4. Scroll all the way down to the bottom to find the text:
"return 'http://apple.accuweather.com/adcbin/apple/Apple_weather.asp?location=' + location;"
This is the bit that needs to be changed.
5. Change that bit to:
"return 'http://www.accuweather.com/radar-large.asp?partner=apple&traveler=0&zipChg=1&site=Enter State Here_&type=SIR&anim=1&level=state&large=1'"
Where noted enter the two letter abbreviation for the state you are in (NY, IL, OR, etc.)
6. Save this file.
7. Drag the "weatherParser.js" file from the desktop back to the .parsers folder. A window will pop up, click on authenticate and enter you password. You will also have to click on "replace" when prompted.
8. Now log out/log in and confirm that clicking on the weather widget brings you directly to the radar page.

Note: I am not a programmer and used the trial and error method to hack the widget. To change which state radar is displayed you will need to manually make the change to the weatherParser.js file. I tried to use a variable to get the state abbreviation to be automatically placed in the correct spot but could only find a variable which returned the zipcode. If you are an expert programmer and have a more elegant solution to this please post in the comments.

DOWn Chemical

2007-06-12T21:20:00.001-05:00

Yesterday upon arriving home from work I found the July '07 issue of National Geographic Magazine waiting for me. I'm always excited to flip through and see if there is a new feature map included. At first glance this issue seemed to deliver a new map, but upon closer inspection my excitement turned to disgust.

The map included was not a product of National Geographic but a thinly disguised attempt at an advertisement for DOW Chemical. The map was an accompaniment to a two page four-color ad for a company sponsored 20 person relay race around the world to raise awareness of the millions of people without access to clean water.

The advertisement does state some interesting facts not normally put forth by a multi-national company:

–One billion people have no access to safe, clean water.
–Only one percent of the Earth's water is drinkable.
–By 2025 more than three billion people will live in countries with water issues.
–More than 2.2 million people die each year from diseases associated with poor water.

These mind numbing statistics are not what turned my stomach, it was the little blurb in the lower corner of the map (circled in yellow). Here it is an enlargement:

As you can see the total funding for DOW Chemical's "Journey to Save Lives" is $1,000,000. This is what got to me. First, the cool million represents %0.002 of 2006 revenue. Second, they have provided clean water for just %0.002 of the people in need. Isn't it interesting that at this rate the revenue from just one year from just one company could solve the World's water shortage? The third thing is what really got me. The cost the 2-page spread and a 20x30 inch glued in poster runs about $750,000*. That's right, DOW Chemical spent about 75% of the amount used to save lives to tell you that they saved lives.

If they had only spent 50% on the ad I might have been persuaded to forget about Agent Orange, napalm, dioxin contamination, exploding breast implants, selling nerve agent as a "safe" household chemical, or the disaster in Bhopal India^.

*This is an estimate based on the cost of four full page ads (the cost of a poster insert is not provided by the National Geographic Advertising Rate Sheet)

^The Bhopal Disaster occurred at a facility owned by Union Carbide in 1984. In 1999 Union Carbide became a wholly owned subsidiary of DOW Chemical. The legal minds at DOW consider all claims for the 22,000 deaths settled and the company bears no responsibility for the ongoing contamination.

Car Alarms are Gifts from Lucifer

2007-06-10T02:37:00.000-05:00

Credit Score is B&#% S!@%

2007-06-09T22:54:00.000-05:00

Watching "Maxed Out" (see my last post) inspired me to pull my credit report. You can get three free credit reports per year, one from each of the three agencies. You need to go to www.annualcreditreport.com to receive the actual free reports as there are many scams, just google "free credit report" to see a few examples.

After reviewing my report with nothing out of the ordinary I decided to get my credit score as well which costs an additional $7.95 from TransUnion. It came back that I am in the 43rd percentile, much below where it seems I should be based on my faultless payment history. So I sought out a second opinion. Over at MyFICO.com (this is the big dog of credit scores) you can receive your FICO score free for thirty days (make sure to cancel or it is $90/year after the free trial). I signed up for the trial and found out that their credit score ranks me in the 85th percentile. So what's the deal?

Based on the same information one company lists me as a risky borrower and another rates me as "GREAT." If I were in the market for a home loan the difference between the two scores could easily make for a several hundred dollar increase in the monthly payment (nearly $200,000 over the life of the loan). I don't know what is weighing down the TransUnion score as they wanted more money to analyze my results. The MyFICO came with a break down which listed the one negative on my account a new line of credit within the last year (hooking up gas and electricty to our apartment rates negatively on my credit!?!)

As I stated earlier: the credit score is bull shit.

"Maxed Out"

2007-06-09T22:00:00.000-05:00

This evening I sat down to put a dent in my Netflix queue by watching "Maxed Out," a documentary about the state of consumer credit in the United States. This documentary mixed the standard fair of expert interviews with personal testimonials. I found the movie as a whole to be interesting and informative, but a little bit one sided. There certainly are lenders who target people with bad credit expecting they will carry a balance and incur interest + fees. However in many of the testimonials people seemed to be of the notion that if the credit card company was offering to give them credit they must be able to afford it. The credit card company didn't force a single purchase upon the card user, they took the responsibility of credit and abused it.

I was absolute appalled by the practices of CitiFinancial who targeted low income homeowners with the promise of lowering people's monthly mortgage payment only to have the payments actually go up once they became CitiFinancial customers. An enterprising investigative reporter uncovered many examples of deceptive refinancing practices by Citi in states from Alabama to New York. It was definitely not a case of a few over zealous employees, but an corporate policy.

The second thing that really struck me was the existence of a VIP list maintained by the credit reporting bureaus (Equifax, Experian, and TransUnion) which contains the list of elected officials, business leaders, and celebrities. The purpose of this list is to insure that no one on the list has an issue with their credit report (and credit score) which might prompt them to enact legislation regulating the industry. One women (not on the VIP list) was mistakenly listed as deceased by a credit bureau and need to be disposed twice under oath to prove she was alive.

Finally I was struck by the shear size of the financial hole America is in. An American's average share of the national debt is $30,000 and the average household has over $9,000 in credit card debt. I question reasons for this debt (a war machine and iPods, respectivly) and wonder how long until the vacuum implodes. Maybe I should take up subsistence farming?

Stepped In It

2007-06-08T22:01:00.000-05:00

I'm back from a great evening with Steppin' In It, a great acoustic roots music group from Lansing, Michigan. I've been a huge fan since my college days when I first heard them at Blissfest way up in Bliss, Michigan. They are a great mix of folk, blues, and cajun. Tonight they were at the Old Town School of Folk Music. The treat of the evening was an impromptu little blues duet between Andy Wilson (harmonicas) and Josh Davis (guitar, vocals) prompted by the failure of Josh's D string which was being expertly repaired by Joe Wilson (steel guitar, vocals) and Dominic Suchyta (upright bass). It brings back memories of the ol' Green Door on Monday nights: dancing, drinking, and listening to great music.

Hello?

2007-06-03T15:22:00.000-05:00

Hello internet. It's me, Jon. Just dropping a quick note to let you know I've got my eye on you.