Showing posts with label Consumer Issues. Show all posts
Showing posts with label Consumer Issues. Show all posts

Friday, May 30, 2008

Make Sure You Have a Clear Mortgage Title

Everyone who has ever bought a house will enjoy this.

A New Orleans Lawyer sought an FHA loan for a client. He was told the loan would be granted if he could prove satisfactory title to a parcel of property being offered as collateral. The title to the property dated back to 1803, which took the lawyer three months to track down. After sending the information to the FHA, he received the following reply:

(Actual letter): "Upon review of your letter adjoining your client's loan application, we note that the request is supported by an Abstract of Title.

While we compliment the able manner in which you have prepared and presented the application, we must point out that you have only cleared title to the proposed collateral property back to 1803. Before final approval can be accorded, it will be necessary to clear the title back to its origin."


Annoyed, the lawyer responded as follows (actual letter):

"Your letter regarding title in Case No. 189156 has been received. I note that you wish to have title extended further than the 194 years covered by the present application. I was unaware that any educated person in this country, particularly those working in the property area, would not know that Louisiana was purchased, by the US, from France in 1803, the year of origin identified in our application.

For the edification of uninformed FHA bureaucrats, the title to the land prior to US ownership was obtained from France, which had acquired it by Right of Conquest from Spain. The land came into the possession of Spain by Right of Discovery made in the year 1492 by a sea captain named Christopher Columbus, who had been granted the privilege of seeking a new route to India by the Spanish monarch, Isabella.

The good queen, Isabella, being a pious woman and almost as careful about titles as the FHA, took the precaution of securing the blessing of the Pope before she sold her jewels to finance Columbus' expedition.

Now the Pope, as I'm sure you may know, is the emissary of Jesus Christ, the Son of God, and God, it is commonly accepted, created this world. Therefore, I believe it is safe to presume that God also made that part of the world called Louisiana. God, therefore, would be the owner of origin and His origins date back, to before the beginning of time, the world as we know it AND the FHA.

I hope you find God's original claim to be satisfactory. Now, may we have our loan?"

The loan was approved.

emailed to me by a friend
^

Tuesday, July 10, 2007

Still Trying to Obtain a Quick Release


Sadly, I'm still searching for a quick release for my Slik Ball Head. After much investigating on many photography forums, I came away somewhat confused. Different releases for different folks, I guess. At any rate, I finally decided on the Slick DG-L Quick Release. I was getting conflicting info on the forums, so I simple chose a matching release from Slik after talking to a rep from THK Photo Products. They recommended I order the DQ-L Quick-Release Adapter Set from B&H Photo.

So, about last Saturday, I broke down and tried to place an order for the quick release set. B&H said the product was not currently in stock. Bummer. Then, Monday I receive an email from B&H and they said the product was now in stock. They encouraged me to resubmit my order, which I immediately did. Today, B&H sends me another email stating -

"We regret to inform you that due to a system error the ordered merchandise is not in stock.

We apologize for this inconvenience"

There seems to be no other U.S. supplier I can order this from. I found a supplier from the U.K. but, was hoping to order from the U.S., thinking shipping would be much more reasonable. I guess I am still on the trek in search of a quick release for my ball head!


Thursday, May 17, 2007

Some in Minnesota Back Higher Gas Tax


Well, communist-leaning Minnesota is at it again. Minnesota lawmakers are trying to invoke a new gas tax. What timing. The price of gasoline is soaring higher than ever before and they want to add to the problem. I thought our elected leaders were placed in their positions to solve problems. Some states which don't lean so much to the left are actually supplying relief to their drivers. Texas and Connecticut, for example, are proposing tax holidays for their summer months. Minnesota has proven again, however, that it just loves taxing it's residents.

Governor Pawlenty has vetoed the evil plan but, an override is still possible. With the current gas tax being at 22 cents/gallon, this legislation would bring it to 27 cents or higher. Thanks guys.

Wednesday, May 16, 2007

Hola, Americanos




My wife recently purchased this mayonnaise from the local grocery store. We live in a small town in northern Minnesota. What is wrong with this picture? Notice how the primary language on these labels is in a foreign language. It was bad enough to see multiple languages on everything around us. Now it's gotten worse - English has been demoted to a secondary position. Where will it stop? Life in America is very, peculiar these days. Adios.

Sunday, May 13, 2007

My Predictions Proving Accurate Again

Minnesota's House and Senate have now both passed the new state-wide smoking ban. The oppressive bill simply waits for Governor Pawlenty's signature and he is expected to give it approval. Much has been said over the years on smoking bans, both pro and con, but I want to point out some lesser know ideas in this debate.

Let me begin by stating my predictions are already coming to light. For a long time now I have been telling people to watch out for their rights. Many of the non-smokers I know have taken an I-don't-care attitude whenever smoker's rights have become threatened. I always remind them to have a little more interest and not ignore the issue simply because it appears not to effect them directly. I always said that these Liberal Lunatics are power hungry. That these oppressive people will not stop at smoking legislation. That these busy-body communists must always have an agenda. I have stated and continue to preach the fact that these control freaks will never stop at the demise of smoking. They will continue on with new liberty restricting, fanatical programs. The smoking ban may not affect you but, what happens when they are busting your door down? Today their focus is on smoking. Tomorrow they will turn to something you care about.


How about you hunters and gun-toters. Will your rights be more seriously challenged? Do you love to fish? Hey, animals have rights, too! What about you gardeners and plant lovers. Will you be restricted from putting certain plants in your own yard in the future. Do you like short skirts? They are offensive to some. I think high-heels shoes are dangerous. Let's ban them. Tattoos and piercings offend me. They got to go. Do you feel you know how to raise your own children properly. Ha. Let's let the schools, government, or your friendly neighborhood corrections alliance group handle these mundane chores. I feel brightly colored cars sometimes blind me when I'm driving. Let's outlaw them. Here's one, be warned - I hate pets. All animals belong in the wild. You animal lovers look out. Why should I have to put up with shit in my yard, or neighborhood, for that matter? Why do I have to listen to that annoying barking? What about all them attacks I read about, in the papers. I fear for my safety whenever a dog, make that beast, is around. Let's not even get into the cat (yuk) discussion. The point is this list could, and will, go on and on. It won't be long until something you care about is in jeopardy! Be ready for your day!

Ah, back to my accurate prognostication. As I've said, I predicted further erosions of rights when the loonies feel their current dockets have been sufficiently met. Well, in todays Duluth News Tribune, DFL Rep. Tom Huntley bodly states, " . . . he is ready to move on to another health issue — obesity." Ha, the ink is not even dry yet. In fact, the governor hasn't even signed the bill yet, though we know he will. They must always have their soapbox and/or agenda and as one right is sufficiently eliminated it's time to move on and work toward abolishing another right! And let's waste no time in doing so. Are they in your backyard yet?

OK, fatties ( is that OK to say?) they are coming for you. At one time I would never have thought to assist the communist liberal lunatics but, I am now currently tempted. So put down your triple-dipped, sugar laced, fat-inducing, mile-high, mega-sized, bon-bon flavored, mid-morning, fat-fried, super-deluxe ice cream treat for just a moment, if you can. Pull your mega-sized, treat stained gut out of the way, wipe the frosting from your triple-chin and read on. You big people disgust me! Why should I have to look at your fat asses when I'm trying to dine in my pleasant smoke-free environment. If my visual rights are not enough for you let's take another tact. What are you doing to our health care system? I learned this strategy from the anti-smokers and I feel your lard asses are a drain on our countries financial well-being. How about that? Obesity increases the risk of many diseases and health conditions, including the following:
  • Hypertension
  • Dyslipidemia (for example, high total cholesterol or high levels of triglycerides)
  • Type 2 diabetes
  • Coronary heart disease
  • Stroke
  • Gallbladder disease
  • Osteoarthritis
  • Sleep apnea and respiratory problems
  • Some cancers (endometrial, breast, and colon) - oops, there's that cancer word again!
Why should I have to pay higher medical premiums simply because some excessive people can't control themselves? According to a study of national costs attributed to both overweight (BMI 25–29.9) and obesity (BMI greater than 30), medical expenses accounted for 9.1 percent of total U.S. medical expenditures in 1998 and may have reached as high as $78.5 billion ($92.6 billion in 2002 dollars) (Finkelstein, Fiebelkorn, and Wang, 2003). Granted this is on older study and I'm quite certain current estimates would be much higher. You getting the picture yet? Have I made my point?

You gays who feel you need equal rights - look out! I think you are a major cause of aides. Now that can't be good for our health care system, either. What a financial drain. Why am I paying financially for your right to be a freak? And your hate crime crap! You are trying to get more rights than everyone not equal rights. Oh no, here comes a law suit, another financial drain on our country. We better eliminate the courts!

Remember, I have my rights, too! Whatever your passion it will one day be in my, or somebody's, sights! And never, never forget - I'm gunning for your cats and dogs! By the way, what does your dog weigh? Just wondering.

Sunday, April 29, 2007

Carlin's Solution To Gasoline Shortage

George Carlin's Solution to Save Gasoline:


Bush wants us to cut the amount of gas we use. The best way to stop using so much gas is to deport 11 million illegal immigrants! That would be 11 million less people using our gas. The price of gas would come down. Bring our troops home from Iraq to guard the border. When they catch an illegal immigrant crossing the border, hand him a canteen, rifle and some ammo and ship him to Iraq . Tell him if he wants to come to America then he must serve a tour in the military. Give him a soldier's pay while he's there and tax him on it. After his tour, he will be allowed to become a citizen since he defended this country. He will also be registered to be taxed and be a legal patriot. This option will probably deter illegal immigration and provide a solution for the troops in Iraq and the aliens trying to make a better life for themselves. If they refuse to serve, ship them to Iraq anyway, without the canteen, rifle or ammo. Problem solved.

emailed to me by a friend

Tuesday, March 06, 2007

I'm still leaning towards a Mac. I'm simply waiting on their new OS to come out. I am extremely tired of Microsoft problems! I believe Leopard (the new OS) is due sometime in June. Unless something drastic changes my mind between now and then I will convert to Macintosh.

Tuesday, February 13, 2007

Braking News

I think more and more about going to a Mac. I reformatted my Windows XP recently after having lots of problems. It didn't take long, at all, before problems and annoyances paid me a new visit. When one spends more time as a computer tech than as a computer user something is wrong. Imagine this scenario with ones automobile (more time playing mechanic than driving). It just doesn't seem right. I have all the protections in place, too. I have a robust firewall, spam blockers, virus protection, spyware protection, etc. to the point of excessive redundancy.

Now some say theses problems are over. The NEW windows is here! Is Windows Vista the answer for security problems? Probably not. Just check out - Braking News and see what you think. I would like to hear opinions on this.


Thursday, December 14, 2006

Argh, Not Again

Sorry again !

As, you may have noticed, my recent posting has been scarce. I have been having a lot of computer problems. I managed to make a few posts here and there, including this one. It is difficult, as I usually get booted off in the middle of my entries. So, for the most part I haven't posted anything but, rather worked extensively on diagnostics. I thought it was cured one time only to find out I still had problems.

A while back I got very tired of Internet Explorer and finally switched to Firefox. I am now seriously considering a switch to the Macintosh system. Does anyone have any extensive experience with Apple. I would sure like to hear some pros and cons, esp. as it compares to the pc.

In the mean time my posts will be limited, as I continue to work on my technical difficulties. I hope to be up to full swing soon.

Wednesday, October 25, 2006

Give Me A Break



Last night while watching "The Unit" (a great show by the way), I got my annual jolt of rampant commercialism. Sure, it happens every year. Sure, it's usual to complain that it comes earlier every year but now they are really pushing it. I am beyond sick of it! If you haven't guessed yet, I saw my first Christmas commercial yesterday.

Let's see where we are in this. Yesterday was October 24th. Halloween would still be a week away. Thanksgiving is still 30 days away, making that a full month. Christmas is 62 days away or longer than 2 months. Argh. How long will it be before these commercials are pushed ahead of Labor Day. Don't laugh, it's probably coming.

I think this even has Santa scratching his head in disbelief. I just want to get through the deer season without having to think about Christmas and it's commercialism and I surely think we should get by Halloween safely. Give me a break, please!

I could be wrong about these holiday commercials coming earlier each year and it's only a false perception, as I have been told. I am going to find out. The date of this years first Christmas commercial seen by me is now documented (24 Oct.) on this blog. I will watch this in the coming years and see if there is a slow creeping towards summertime.

Thursday, October 05, 2006

Bank of America Abuses Legitimate Customer

In Clark Howard's newsletter he tells a tale of customer abuse by Bank of America. It seems, Matthew Shinnick went to Bank of America to verify the validity of a check he received from someone who bought two bikes from him. The bank said that the check was valid and Mr. Shinnick cashed the check.

The bank then called the police and Mr. Shinnick was arrested. It turns out that the check was fraudulent. The unwitting customer had no idea that his buyer presented him with a bad check. After all, the very reason he went to the bank in the first place was to check it's validity. Our shocked Mr. Shinnick got a night in jail and $14,000 in legal fees for his efforts.

Feeling the event was caused by the banks error, Matthew pleaded with the bank to cover his legal fees. The bank has refused to pay. Clark Howard even offered to pay one half of the fees if the bank would pay the other half. Bank of America still refused.

Clark Howard is now proposing Bank of America customers close their accounts, since the bank clearly does not care about its customers.