Student Warning: Your Large Corporate Bank Will Cheat You!

The Website Universal Tattletale which was the original reason for this blog tried to provide an avenue for people to complain or seek action because there is in many cases little or no action economically feasible available through a lawyer or the government. Telephone companies, cell phone companies and banks are the biggest winners when it comes to unscrupulous behavior including outrageous charges and shady contracts that legalize a form of theft. Many times they will negotiate but this is only after they have made huge unreasonable profit from your accounts.

Sadly Americans have come to accept shady deals, dirty games and the absolute authority given to large corporate entities especially communication companies and banks. We have been trained to be submissive to otherwise unethical and immoral behavior. Note this real life account.

04/10/2008	NSUFFICIENT FUNDS FEE	$70.00		($278.52)
04/09/2008	WALGREEN COMPANY MICHIG 514552 04/08WALGREEN	$1.32		($208.52)
04/09/2008	ATM WITHDRAWAL 007405 04/0830 N MICH	$40.00		($207.20)
04/09/2008	INSUFFICIENT FUNDS FEE	$35.00		($167.20)
04/08/2008	MCDONALD'S F3661 CHICAGO 04/06MCDONALD'	$5.01		($132.20)
04/08/2008	INSUFFICIENT FUNDS FEE	$210.00		($127.19)
04/08/2008	DEPOSIT ID NUMBER 912087 (view)		$100.00	$82.81
04/07/2008	CVS 3674 105 S. Wabash C930042 04/04CVS 3674	$1.01		($17.19)
04/07/2008	7-ELEVEN CHICAGO IL 100259 04/047-ELEVEN	$1.08		($16.18)
04/07/2008	7-ELEVEN CHICAGO IL 334195 04/067-ELEVEN	$1.41		($15.10)
04/07/2008	MCDONALD'S M4129 OF IL C 04/05MCDONALD'	$2.53		($13.69)
04/07/2008	7-ELEVEN CHICAGO IL 121161 04/057-ELEVEN	$3.02		($11.16)
04/07/2008	SHELL Service Station CH768147 04/05SHELL Ser	$4.06		($8.14)
04/07/2008	DUNKIN #343358 Q35 C 04/03DUNKIN #3	$4.21		($4.08)
04/07/2008	7-ELEVEN CHICAGO IL 352849 04/047-ELEVEN	$5.33		$0.13
04/07/2008	MCDONALD'S F30930 CHICAG 04/04MCDONALD'	$6.52		$5.46
04/07/2008	ATM WITHDRAWAL 007128 04/0430 N MICH	$20.00		$11.98
04/04/2008	INSUFFICIENT FUNDS FEE	$35.00		$31.98
04/04/2008	DEPOSIT ID NUMBER 912085 (view)		$70.00	$66.98
04/03/2008	7-ELEVEN CHICAGO IL 351411 04/037-ELEVEN	$3.15		($3.02)
04/03/2008	MCDONALD'S F30930 CHICAG 04/02MCDONALD'	$3.43		$0.13

Above is an actual recent record of a college student who recently overcharged his account buying meals in downtown Chicago on a very low budget. The student had used only a debit card but was unaware of any of the overdrafts at any time and eventually incurs $340 dollars of fees with 11 total charges of 66.80. You might say the student should have known, but if you carefully study the series of charges you can see why it is quite possible to overcharge this much money and never realize that a mistake has been made. The above charges incurred on a Chase bank account.

The first overdraft occurred on April 3 when a deposit went in immediately following on the next day for $70 . The balance would be $35 dollars lower than the student realized. Therefore the student in downtown Chicago used the card for very small purchases to eat for the next few days not realizing the account was over drafting, Seven charges of a total amount of $17 dollars on a debit card incurred fees of $210. The student then put in another $100.00 because without the charges thus far there would have been a positive balance of roughly 118.00 dollars.

The student then made two more debit card meal purchases for a total of $6.33 and made a withdrawal from an ATM for $40 dollars at which time he showed a negative balance of $207.20. The bank then added additional fees of $70. The final balance is now $278.52 and the account balance with no charges would still be positive by more than $5.

This is nothing more than legalized theft. Its to bad Charlton Heston or Ronald Reagan couldn’t try to stand up for this kid’s rights for fair treatment by stating something like over my dead body or from my cold dead hand, but these people and many Americans and others have little or no ability to defend their rights. We are indeed a nation lead by elitist views who say one thing but do another.

In a final note the Chase bank via a foreign customer service from India? agred to credit the account for $150 leaving the student who should have had a positive balance with $190.00 in late fees on an account that should have never bounced or incurred any late fees.

Who goes to War? Who Likes to Play War?

I decided to blog something to blog something--more about the war and the politics of war. Using other people's stuff is so much easier. Below a little comparison about who has served in the military between some popular Democrats and Republicans.

Republicans —

* Dick Cheney: did not serve. Several deferments, the last by marriage.
* Dennis Hastert: did not serve.
* Tom Delay: did not serve.
* Roy Blunt: did not serve.
* Bill Frist: did not serve.
* Mitch McConnell: did not serve.
* Rick Santorum: did not serve.
* Trent Lott: did not serve.
* John Ashcroft: did not serve. Seven deferments to teach business.
* Jeb Bush: did not serve.
* Karl Rove: did not serve.
* Saxby Chambliss: did not serve. “Bad knee.” The man who attacked Max Cleland’s patriotism.
* Paul Wolfowitz: did not serve.
* Vin Weber: did not serve.
* Richard Perle: did not serve.
* Douglas Feith: did not serve.
* Eliot Abrams: did not serve.
* Richard Shelby: did not serve.
* Jon Kyl: did not serve.
* Tim Hutchison: did not serve.
* Christopher Cox: did not serve.
* Newt Gingrich: did not serve.
* Don Rumsfeld: served in Navy (1954-57) as flight
instructor.
* George W. Bush: failed to complete his six-year National Guard; got assigned to Alabama so he could
campaign for family friend running for U.S. Senate;
failed to show up for required medical exam,
disappeared from duty.
* B-1 Bob Dornan: Consciously enlisted after fighting was over in Korea.
* Phil Gramm: did not serve.
* John McCain: Silver Star, Bronze Star, Legion of Merit, Purple Heart and Distinguished Flying Cross.
* Dana Rohrabacher: did not serve.
* John M. McHugh: did not serve.
* JC Watts: did not serve.
* Jack Kemp: did not serve. “Knee problem,” although continued in NFL for 8 years.
* Dan Quayle: Journalism unit of the Indiana National Guard.
* Rudy Giuliani: did not serve.
* George Pataki: did not serve.
* Spencer Abraham: did not serve.
* John Engler: did not serve.
* Lindsey Graham: National Guard lawyer.
* Arnold Schwarzenegger: AWOL from Austrian army base.
* Ronald Reagan: due to poor eyesight, served in a non-combat role making movies.

Pundits & Preachers:

* Sean Hannity: did not serve.
* Rush Limbaugh: did not serve (4-F with a ‘pilonidal cyst.’)
* Bill O’Reilly: did not serve.
* Michael Savage: did not serve.
* George Will: did not serve.
* Chris Matthews: did not serve.
* Paul Gigot: did not serve.
* Bill Bennett: did not serve.
* Pat Buchanan: did not serve. (Did oppose the war in Iraq)
* Bill Kristol: did not serve.
* Kenneth Starr: did not serve.
* Antonin Scalia: did not serve.
* Clarence Thomas: did not serve.
* Ralph Reed: did not serve.
* Michael Medved: did not serve.
* Charlie Daniels: did not serve.
* Ted Nugent: did not serve. (He only shoots at things that don’t shoot back.)
* John Wayne: did not serve.
* Gerald Mcraney: did not serve. Played a Vietnam Vet
on 3 TV shows (Simon & Simon, Major Dad, and Promise
Land)

Democrats:

* Richard Gephardt: Air National Guard, 1965-71.
* David Bonior: Staff Sgt., Air Force 1968-72.
* Tom Daschle: 1st Lt., Air Force SAC 1969-72.
* Al Gore: enlisted Aug. 1969; sent to Vietnam Jan. 1971 as an army
journalist in 20th Engineer Brigade.
* Bob Kerrey: Lt. j.g. Navy 1966-69; Medal of Honor, Vietnam.
* Daniel Inouye: Army 1943-47; Medal of Honor, WWII.
* John Kerry: Lt., Navy 1966-70; Silver Star, Bronze Star with Combat
V, Purple Hearts.
* Charles Rangel: Staff Sgt., Army 1948-52; Bronze Star, Korea.
* Max Cleland: Captain, Army 1965-68; Silver Star & Bronze Star, Vietnam.
* Ted Kennedy: Army, 1951-53.
* Tom Harkin: Lt., Navy, 1962-67; Naval Reserve, 1968-74.
* Jack Reed: Army Ranger, 1971-1979; Captain, Army Reserve 1979-91.
* Fritz Hollings: Army officer in WWII; Bronze Star and seven campaign
ribbons.
* Leonard Boswell: Lt. Col., Army 1956-76; Vietnam, DFCs, Bronze
Stars, and Soldier’s Medal.
* Pete Peterson: Air Force Captain, POW. Purple Heart, Silver Star and
Legion of Merit.
* Mike Thompson: Staff sergeant, 173rd Airborne, Purple Heart.
* Bill McBride: Candidate for Fla. Governor. Marine in Vietnam; Bronze
Star with Combat V.
* Gray Davis: Army Captain in Vietnam, Bronze Star.
* Pete Stark: Air Force 1955-57
* Chuck Robb: Vietnam
* Howell Heflin: Silver Star
* George McGovern: Silver Star & DFC during WWII.
* Bill Clinton: Did not serve. Student deferments. Entered draft but received #311.
* Jimmy Carter: Seven years in the Navy.
* Walter Mondale: Army 1951-1953
* John Glenn: WWII and Korea; six DFCs and Air Medal with 18 Clusters.
* Tom Lantos: Served in Hungarian underground in WWII. Saved by Raoul Wallenberg.
* John Murtha: Marines, Vietnam, Purple Heart, Bronze Star

Cartoons courtesy About.com, taleofiraqwar.blogspot.com, War stats blogged (they look correct)

Greedbrokers

This is a song idea for Sheryl Crow Gathers site

GREEDBROKERS

Good Morning Sun my love for you has just begun

Tell me what I can do for you today

Would you rather hear of their evil ways?

Politicians made--, Drug Deals Erected,

Kingpins in their world’s Protected,

Dealmakers, People Breakers, High Place Corruption

Family Plans of Loyalty for Promises of Royalty

Government Greed—Overpopulation, don’t forget Iraqi occupation

Runaway National Debt, Senseless War,

Arms Control can’t be found here no more

Devil’s Laughin with Delight

Bloated Bellies what a sight

Mother Mary see me pray

Thorny Crown at his feet did lay

She was singing

Love may never save the day

Better give not a little but give a lot

God’s gifts have been given to give away

Better do a little more than bow your heads to pray

Or the devil’s gonna take it all some day

Movie Stars Made—Name Dropping Games,

Endless Need, Friendships Broken, Child Pornography

Musicians Laid- Convinced they’re a Star

They don’t know their masters power.

Alcoholism, Methane, Cocaine Talent squandered by the game

Servitude to Quaalude, Insomnia, Hypemania,

Broken Hearts, Broken Wills, Schizophrenia, Love Stolen

Devil’s Laughin with Delight

Bloated Bellies what a sight

Mother Mary see me pray

Thorny Crown at his feet did lay

She was singing

Love may never save the day

Better give not a little but give a lot

God’s gifts have been given to give away

Better do a little more than bow your heads to pray

Or the devil’s gonna take it all some day

Bankers Delight, Billionaires plight

High interest Loans, Credit Card Overload

Over Consumption- No Expense Reduction-- What seduction?

Cigarettes Smoke Respiratory Disease, Third World Debt, Trash Overload

Media Moguls, Propaganda Pimps, Corporate Greed’s very best friends

Unchecked Power the world they devour

Truth Slayers, Game Players, for the final hour

Devil’s Laughin with Delight

Bloated Bellies what a sight

Mother Mary see me pray

Thorny Crown at his feet did lay

She was singing

Love may never save the day

Better give not a little but give a lot

God’s gifts have been given to give away

Better do a little more than bow your heads to pray

Or the devil’s gonna take it all some day

Problems Made Corporate Grade—

Animal Extinction, DDT, Formaldehyde and Unfair trade,

Clearcut Trees, Rain Forests shattered- Particulate Matter Does it Matter?

Oil Spills , Enviromental Degradation

Poisoned Lakes, Eutrophication,

Anxiety, Odour, Acid rain,

Smog ,Arsenic, runnin through my brain

Drinking Water testing poor, Babies aren’t being made here no more.

Devil’s Laughin with Delight

Bloated Bellies what a sight

Mother Mary see me pray

Thorny Crown at his feet did lay

She was singing

Love may never save the day

Better give not a little but give a lot

God’s gifts have been given to give away

Better do a little more than bow your heads to pray

Or the devil’s gonna take it all some day

By RL

The Florida Election Curse?

Florida may once again be an issue of great concern for the American Presidency. This time it may not be the "hanging chad", but the “super delegates that couldn’t” who determine the democratic candidate. Florida’s demographics would seem to favor Hillary Clinton with a lot of senior citizens and Latinos. The super delegates may have felt the need to influence the outcome for Hillary, but the action by the Democratic National Committee assured this would not be the case by suspending delegates from Florida (also Michigan). If the primary is extremely close in May the DNC may end up deciding for the voters, the state and the country who wins the nominations.

Eight years ago I would have sworn to you that Hillary Clinton would be the next President of the United States. Ironically I would have never even considered voting for her at that point as she seemed to be the establishment candidate. Receiving her original support front then Senator Patrick Moynihan, Hillary went on to win the New York Senatorial election comparing it to Robert F Kennedy’s win in 1964.

During the past month many well known Senators, Hollywood stars and Kennedy Family members have made it a point to let the public know they are supporting Barack Obama.

The media tide has washed up a new era of Obama support, including additional funds of some 32 million dollars in January alone giving us a new establishment candidate. Hillary is still leading in the number of delegates with the race drawing closer. However the gains and new support for Obama may not be enough to dissuade many staunch Clinton supporters, especially among the elderly and young.

Oh yes I did want to mention the obvious, which is that all the media hype and Hollywood and Kennedy support seems to not be working. Hillary won California, Massachusetts and New York. Now to see if John Kerry helped Obama in Pennsylvania—if not then Hillary and Bill will have a clean sweep against their democratic adversaries. The Florida delegates could truly become the determining factor in the election—unless of course they are completely excluded—which would be much worse than even a "hanging chad".

An Economic Philosophy maintained through Democratic Demise

The Eagles Long Road out of Eden --Is the US Empire building?

This week I’m traveling from Indiana to Arizona for business. It’s amazing the massive amount of building and economic progress that has taken place especially in our major cities. Two of the most expansive from a visual perspective, which I traveled through are Little Rock AR and Dallas TX. Like so many major cities keeping the infrastructure to accommodate the many people living and working in areas around the cities is a challenge Local and state governments who are challenged to find creative ways to fund all the necessary programs and projects.

The question: Why when things look so good are there any questions about supply side economics (Reaganomics) espoused by the Shawn Hannitys’ and Rush Limbaugh’s of the world. Do these commentators represent a smaller number of people who want to maintain the status quo by pointing to these great successes or are they the actual representations of America? The housing crunch is a perfect example of people acting upon the dilemma’s put before them. If I want to be part of the new greater America I must learn to get my piece of the pie out of a belief in an all or nothing philosophy. Today there has been an explosion in entrepreneurship, who were and also are more likely to go bankrupt. Entrepreneurship requires us to spend more for start up and take in a lower income than may be expected or perceived. This scenario of spending first, budgeting later has spread to all sectors of our economy starting with government spending, to corporations and to individuals.

The founders of the constitution did not have to be concerned with today’s media. Had the King of England possessed such power he may have reacted by constantly bombarding the colonists with his points of view to maintain his royal splendor. This would include protecting his supporters (health care and large corporations) who benefited from government regulation and government inaction. If one believes the US is in Iraq to protect our oil and financial interests then we must also conclude that we are indeed empire building.

Why Michael Moore is right about Health Insurance

Why Michael Moore is right about Health Insurance!

Today some 50 million Americans are without Health Insurance. Just as important are the millions of Americans who pay for Health Insurance that has outrageous premiums and high deductibles. Having worked for several major insurance companies during an eight year period there is no doubt in my mind that Americans are paying to much for to little and the future is only going to get worse without change.

Michael Moore covers the issue in his film “Sicko”. Why aren’t Americans demanding more from their insurance carriers, hospitals, doctors and government while they are paying so much more than our neighboring Canadians?

Most Politicians are afraid to demand real reform for fear of losing support. Don't allow yourself to be intimidated by fear of change. These reforms will give better health care to more people and save the American people billions even trillions. Don't allow yourself to be held captive any longer. Today more people than ever are being diagnosed with Diabetes, Cancer and numerous other ailments. Don't allow you, your children or their children to lose everything for no good reason. Please at least take a look at the facts.

Click on the link Mikes Health Insurance Information

Go Colts

Its that time of year again and we might see another Colts / New England Matchup.

Great Americans Can Oppose Right wing Media

(Photo: Hall of Fame Inductee John Mellencamp :courtesy INDYSTAR.com)

Today is like any other day in America. This is the Land of the Free and the Home of the Brave. Lately I’ve been hearing the right conservative guru’s toss around accusations calling people who oppose their ideas communists and socialists. This is absurd. In fact the current administration has managed to increase the power of the federal government, the military and large corporations. This doesn’t sound like power to the people. Oh and don’t forget the mafia has also grown in influence. The winners of our policies are those who support globalization, which doesn’t in anyway mean they support the USA. Sure many of us are doing great, but this doesn’t mean we should accept foolish policies that leave our nation and its citizens vulnerable to major problems in the future.

Just because Patriots like myself support a balanced government that wants to protect individual liberties over the power of a few who control more and more of our media, government and military, doesn’t mean we hate the free market. I’ve now been self employed or at least on commission for most of my adult life. (Not including my service in the military) My point to the pundits of the right is that they are pushing us faster towards a world government by increasing our servitude through massive debt, unfair trade practices and supporting illegal immigration. They always come back to that tax thing and avoid cutting spending because none of them seem to be able to address the key issues for fear the truth will cause them to lose political clout. They call us communists yet they are most supportive of governments such as China, Saudi Arabia, Russia and Venezuela. They oppose Health Care Reform and continue to support major inefficiencies and massive overspending. They fail to act, yet bailout all their problems by giving many of their citizens more credit and less real ownership. They are more concerned about preserving the 3 percent of people who will be affected by an estate tax yet fail to ask why the other 97% have no estate to be taxed.

They fool people into believing they have no media power, yet they control the media. They pretend to want the best for all, but spend all their time cutting down and destroying the opposition which is anyone that dares ask the questions they cannot and will never answer. They say get a job, but they know that many jobs are controlled by large corporations, unions, mafia and experience that cannot be attained. They educate us to think and then want us to accept their discrimination. They see the opposition and they manipulate and use these powers to overwhelm and eliminate those who do not see it their way.

I Love my country because I know the ideas upon which it is founded. We escaped the rule of a tyrant monarchy not to produce a land of Lords and Kings, but to produce free people who are ruled by a democracy. I will cry out to God for mercy and wisdom and I will not accept the statements of these powers as honorable when I know they will not include me within the realms of their guarded opportunity and that they will eventually condemn us to low income and poverty in old age. I am a blessed American and I have been given the obligation and opportunity to preserve these opportunities for my children and their children. God Bless America!

The Will of Man and Sheryl Crow

Did you ever stop to think that we are products not of just our own destiny, but the destiny of others. If we take the verse Mark 11:22-23 to heart then we must believe that nothing is impossible. Even the tower of Babel is a good example of God’s free will given to mankind. Proposing that if men came together with similar ideas then nothing would be impossible for them.

Recently I picked up a copy of a CD by Sheryl Crow. Her songs express views that many people may agree with but would never admit. . Her new song Shine over Babylon is a display of the thoughts and feelings of many people in the US and around the world. (the album with this song not released yet) Many of the words play upon the feelings of an end times philosophy that is all to prevalent in the minds of most members of the human race. A few lines read:

"walked the heat of seven hills
Endless talk of losing wills
Great highways in a constant melt
Men and women and children all have overbuilt

Buying bread and paying for none
Creatures of a waning sun
Teacher's hands are overrun
Clowns and gypsies have all but gone”

Mankind does seem to be on a high speed train bound for somewhere, without brakes or a destination.

The question is not can everyone have everything his or her way, but where does this process of everyone believing they can have everything his or her way end up. Also extrapolated even further is the idea that the will of one man or woman could be so strong enough to outweigh the will of many other people. Thus lies the dim reality of the future of the world of contending wills and objectives. When two wills collide someone eventually is a more dominating force of will. The media often serves not to discuss the truth, but to create or convince for a particular outcome or opinion. Ultimately the face of the very strong will takes the face of just one man or woman.

Take for example World War II brought about by an evil dictator whose will was so strong that he destroyed million of lives and property. (Adolf Hitler’s will was apparently developed in large part because of not being accepted to a particular school.) To counter this evil required the combined will of many other men and nations, which eventually created an even greater will to stop Adolf Hitler. The Jewish state and the nation of Israel were established once again as a direct result of the evil actions taken against the Jewish people. The theory of the atomic bomb was developed by a Jewish scientist Albert Einstein . The will of man is both a spiritual and scientific reality. These were acts of will brought on by perceived necessity.

Once again a new "counter will" emerged to the state of affairs. That is that muslim nations and the Palestinian people felt they were cheated by the giving of their land. Men bring together nations to promote a unified goal, but this seems to always end up producing an even stronger opponent, who feels that his or her goals are thwarted. Ultimately the "strong will" creates the need to dominate others in the quest for their goals, which means of course to mistrust or detour threats to power described in the words of Shakespeare in “ Julius Caesar” “A piece of work to make sick men whole, but are there some men whole we must make sick.” The US and the war in Iraq is a display much about George Bush and his reaction to the 911 attacks. The question of a just war is somewhat irrelevant, but is more about perceived will to have war. The concept of annihilation of the enemy is not new, but is primarily to reduce the response of the counter will.

The unseen hand of course is the unpredictable events such natural disasters or disease. Even these unknown events are seen to those in power as threats. These events are often what has changed the course of history even destroyed civilizations. Currently we hear much talk about Global warming, but issues such as these produced strong concerted "wills" all aiming to produce a solution, but with much less certainty to accomplishing the task or how to do it.

It seems with each "will" there is a "counter will" to overcome and with each success there are even greater difficulties that cannot be overcome. The very things which create the "strong will" are the things which create a sort of "counter will". This suggests that the fate of the world is ultimately balanced with each successive "will" producing the potential for even greater reaction. This may be why many see the world is doomed accept of course for the unseen hand, which we say is the intervention of God.