Fighting Fire with Fire: Creditor Callback Message Devices
New in midst of technologies are “auto-back dialers.” which are being used by consumers who are tired of getting electronic collection calls. The machine automatically answers only collectors with a notice.
Typical of the messages put on the machines are, “This phone call is from a debtor. Your phone campaign has been designated for this machine until you have lowered your interest rate to a customary and reasonable rate of 8.75% . Until you do so, this phone will not accept your calls. Sincere thanks for your electronic call”
The message system is now being by debtors because they know that credit card companies are failing to pass along their misguided savings on loans they are getting from the federal government for zero to 1 percent interest rate in stimulus package money.
The Credit Call back messaging machines also send a less-than-subtle message to creditors that over use auto dialer debtor abuse has got to stop. These are hard times.
Because of increased mailing costs collection agencies would rather favor auto-dialers because they are a free for of communications and eliminates postage billing costs. This has caused abuse by calling debtors who already experiencing “deer inthe headlights” stress to pay bills with money they don’t have.
Maybe soon the fight between middle class Americans and credit card companies will end. There was a man, about 2000 years ago who had and anwer for both:
“Forgive us our debts, as we forgive our debtors.”
Continued Lack of Cost Transparency in the storage of Nuclear Waste.
radiologic waste
I listened to NpR Radio this morning at it was mentioned that the storage of radioactive wastes are often not taken into account when energy production costs are given.
This skews the data to make nuclear plant look good, but the fact remains, the storage of nuclear waste can be geometrically more costly than not having to store any products such as energy producing coal. The half life of radioactive materials can be for thousands of years. Now that is expensive rent!
Quitters always Lose. Every time.
Happy happy, joy, joy.
Nobody ever said being a Govenor was easy. When the goin’ gets tough, the tough keep on going. What happened to the bulldog?
I don’t think we’ll have to see Sarah Palin in 2012. With a husband that wants to suceed from the Union, and emails that admit it, this quitter is a thing of the past. I’m sure our friends from Alaska are relieved, as well as the Republican party. It pains me to know that she’ll still be around to deal out her Republican rapture redneck rhetoric, though better described as sophomoric anecdotes.
5 Housing Markets That Have Further to Fall – Yahoo! Real Estate
I don’t agree with Portland model for not investing in Portland housing markets in this article.
The reasons why:
Portland is retaining it’s value is because it is a city that is on the cutting edge of being a green city, heavy investment in public transportation and really does have more water friendly weather than Minneapolis, New York, Phoenix or Detroit. It has less pollution, less overbuilding, and increased demand from people moving north from California.
Funniest Comedy Sketch for All time.
I can’t help but laught at this every time. Tim Conway keeps such a straight face, and Harvey Korman can’t keep from laughing during this Carol Burnett Show ad lib;
Got Sleep Apnea? Anxiety? Play your Digeridoo, Blue
A recent study shows that playing he Digeridoo helps those with sleep apnea. See article
In 2008 a couple of Brazilian college students made a study about “The use of Didgeridoo for people with anxiety”. They study stated that the instrument (didgeridoo) can lower a person´s anxiety by practicing it 20 minutes a day. For 7 weeks the average rate was 10% (ten percent) at anxiety decreasing. [This information from Wiki.]
Softer prices in Silverton during Hard times.
Don Sellway has been a barber for forty years. For 16 of them he’s had a barber shop in the rural community of Silverton, Oregon at 201 Oak Street.
“If I believe the customer is on rough times,”said Sellway, “on fixed income or out of work, the price is 7 dollars. It’s as simple as that. That’s not true for everybody, you gotta remember the average home in Silverton goes for $400,000, so if you pull up in a fancy car our standard rate applies.”
Street parking in Silverton is still also a terrific value. One penny still gives you twelve minutes in a downtown Silverton parking meter.
