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I Wandered Lonely As A Cloud

I Wandered Lonely As A Cloud
by William Wordsworth

I wandered lonely as a cloud
That floats on high o’er vales and hills,
When all at once I saw a crowd,
A host, of golden daffodils;
Beside the lake, beneath the trees,
Fluttering and dancing in the breeze.

Continuous as the stars that shine
And twinkle on the milky way,
They stretched in never-ending line
Along the margin of a bay:
Ten thousand saw I at a glance,
Tossing their heads in sprightly dance.

The waves beside them danced, but they
Out-did the sparkling leaves in glee;
A poet could not be but gay,
In such a jocund company!
I gazed—and gazed—but little thought
What wealth the show to me had brought:

For oft, when on my couch I lie
In vacant or in pensive mood,
They flash upon that inward eye
Which is the bliss of solitude;
And then my heart with pleasure fills,
And dances with the daffodils.

Credit Card Payments

For years I’ve used bill payment services to manage my finances; you log on when you get your bills (or once a week or so) and schedule the payment to arrive a few days before it’s due (you don’t want to cut it too close).

The exception to my using bill payment has been vendors that accept credit cards — I’d much rather pay them direct using a virtual credit card number and get the points; and most of them don’t allow you to schedule the payment, you have to do it now (which is why we have calendar alerts).

So in general what happens is I end up only paying my credit cards with bill pay…

Well, a screw up by one of the bill pay services I used forced me to make a CitiCards payment using their on line system.  I was a little more than annoyed, but I discovered something.  CitiBank immediately posted my payment, and of course the money didn’t disappear from my account for three days — the exact reverse of what happens with bill payment!

Chase just sent me a “special offer” of 500 bonus points to enroll my Amazon VISA in their payment program… so I did.  They didn’t require that I use it, just enroll a bank account (and of course, they already have all the bank account information anyway, and large credit card companies are probably okay to trust with a little more financial information).

I haven’t decided if I will use their payment services or not, but I’m thinking that I can keep the money in my account longer, and get an immediate confirmation for credit card payment (never having to deal with any of the unfortunate incidents that can occur when your bill payment service screws up and tell you you’ll have to resolve it).

Anyway, the bottom line is using your credit card company’s payment system may actually make your life easier, and will definitely allow you to keep your money longer.

 

__________

 

I’ve used this for a couple months now with Citibank, and I just started paying my Chase bill this way.  It’s great, when the statement comes in and I reconcile it against my records I just go ahead and schedule the payment for the business day before it’s due (you could push it until the day it’s due).  Then it just happens; you card is paid instantly on the date you specify and the money is removed from your cash account (savings, checking, or money market) several days later.  If it’s like my Chase due date, you actually can get a few extra pennies interest since it pushed the date the money is deducted from my account until after the monthly close (and with many credit cards you can select the closing date, so you can always pay before the end of the month and still get the benefits for it).

Originally posted 2008-05-23 15:45:18.

The War of Northern Agression

Or more commonly known as the American Civil War officially ended on 9 April 1865 when General Robert E Lee of the Army of Northern Virgina (Confederate States of America) surrendered to General Ulysses S Grant of the Federal Army of the Potomac ) United States of America) at the Appomattox Court House (Appomattox, Virginia).

In accordance with the substance of my letter to you of the 8th inst., I propose to receive the surrender of the Army of N. Va. on the following terms, to wit: Rolls of all the officers and men to be made in duplicate. One copy to be given to an officer designated by me, the other to be retained by such officer or officers as you may designate. The officers to give their individual paroles not to take up arms against the Government of the United States until properly exchanged, and each company or regimental commander sign a like parole for the men of their commands. The arms, artillery and public property to be parked and stacked, and turned over to the officer appointed by me to receive them. This will not embrace the side-arms of the officers, nor their private horses or baggage. This done, each officer and man will be allowed to return to their homes, not to be disturbed by United States authority so long as they observe their paroles and the laws in force where they may reside.

The war officially ended, and the country started the long road of reconstruction.

Originally posted 2010-04-09 01:30:38.

Voter ID Requirements

Since roughly 1750 the phrase “taxation without representation” has been used in the country as a rallying phrase for action.

In the Revolutionary War, it reflected on the British Crown taxing citizens in the colonies without providing them any voice in Parliament.

In Washington DC it became the motto of citizens pointing out that they had no representation in the House of Representatives of the Senate (and was a slogan used on Washington DC license plates — you may recall President Bill Clinton having those put on the White House limosines, and President George W Bush having them removed).

Now my questions is… if the states who have implements “tough” new voter identification requirements (even though voter fraud has never been shown to be a substantial issue) disenfranchise American citizens from their Constitutional right to vote; should they be required to pay taxes?

People who choose not to vote are one thing; but people who are denied their right to vote is entirely another…

I fear another messy election is going to be on us in 2012, much as it was in 2000 — perhaps it’s time for the United States to use international observers to insure that elections are conducted in a way that insures they comply with not only the letter of the law, but the intent of the law.

Originally posted 2011-11-06 02:00:59.

eBay & PayPal – Poster Children for Everything Wrong With Corporate America

Several years ago eBay was won litigation in California over whether or not they were an “auction house” — eBay asserted they were a venue, not an auction house.  Why did eBay care?  Well, in California an auction house must stand behind the authenticity of the items it auctions.

While I have no problem with eBay calling themselves a venue — I do have a problem with them continuing to use the word “auction” all over their site.  You’re either a venue or an auction site… one or the other; oh that’s right, you’re a big company and don’t seem to have any problem skirting the law — you’ve got money, you probably feel you don’t have to play by the same rules.

And then there’s PayPal — clearly a financial institution, and clearly should be subject to all the regulations of financial institutions…

Oh yeah, they’re owned by eBay — they have money…

And to make it worse, eBay / PayPal are monopolies.

I’m tired of big companies that feel they need not care about the letter or the intent of the law; that feel they are free to confuse and mislead consumers; that are greedy and have no heart or soul.

I talk with my money, and I don’t spend my money at places I don’t support… each of you need to make your own minds up and decide what the cost of supporting tyranny in the world really is — or is it just something you talk about?

Originally posted 2008-11-06 12:00:21.

The Worst Company in America

I’ve long held that one of the best measures of how bad a company is is how much they advertise, particularly direct mail advertising, and how they build their mailing lists.

Clearly we have a winner by this metric…  DirectTV of El Segundo, CA.

Three to four times per week I get a direct mailing from them, and once per week I get an insert in a advertiser newspaper.

Additionally I’ve filed for countless prohibitory orders through the United States Post Office (and I still get as many or more mailings from them).

Obviously there service is so pathetic that they desperately need new customers to replace the ones who bail as soon as their misleading contracts are up.

Today I called Direct TV and attempted to have my address removed from their database — they seemed to have a problem understanding that because they had taken my name and address from the telephone company listings and it was under “Solicitation Prohibited” that they didn’t need my real name to locate the record, and why they needed any name was beyond me (no it wasn’t, they were attempting to collect more demographic information to target even more advertising — they have no intent of removing my address from their database, if they had they would have done it when the United States Postal Service sent them the first prohibitory order over a year ago).

I don’t understand why anyone subscribes to satellite TV services… but then again I don’t understand why couch potatoes sit around watching mindless television programs when they could be doing something constructive with their lives.

Again — those who support unethical companies like DirectTV are part of the problem… and you should be ashamed for enabling them to operate.

Help me help DirectTV go out of business — boycott them and every other company that thinks they can continue to barrage you with direct mailings after you’ve filed with the USPS or requested removal of your address.

Originally posted 2011-01-21 02:00:39.

New Car

So I purchased a new car today…

A 2011 Hyundai Elantra Limited with premium package; Titanium Gray with Black Interior.  I’ve posted a couple pictures on my gallery — so you can see it; or you can go to http://www.hyundaiusa.com/elantra/ for complete details.

Did I mention it’s rated at 40mpg?

I have several articles I want to post on my experience of car shopping in Northwest Florida — let’s just say for the moment it was an interesting experience; and next time I purchase a car I’m likely to do it on a trip to a real city after I’ve done my research.

I’m also going to post one article on why I chose the Elantra; and after I’ve had it for a month or so I’ll post one giving my feeling on whether or not it has lived up to my expectations or not.

Originally posted 2011-03-11 02:00:05.

Standards

There’s an old adage that goes something like…

Standards are great, we need more of them.

Well, in point of fact we probably need fewer.

It seems to me for any particular need there are always multiple conflicting standards, and as time goes on those standards diverge rather than converge.

Wouldn’t it be much better if over time standards evolved so that the guided diverging paths into one cohesive one?

Originally posted 2009-12-29 01:00:17.

NO INCUMBENTS!

INCUMBENTS

Originally posted 2010-04-01 01:30:51.

PHEV

PHEV that’s the acronym for plug-in hybrid electric vehicle… and the Toyota Prius may well be the first production car in that class.

Yes, there have been conversions for a number of hybrids in the past, but the 2011 Toyota Prius will be available as a PHEV (it may only be available as a PHEV — there has not been any official announcements from Toyota yet).

Currently Toyota is still using the nickel-metal hydride (NiMh) battery cells like used in the current Prius in the PHEV prototypes, but it is still a possibility that the 2011 will go production with Lithium Ion (Li-ion) or be switch to use the denser Li-ion technology in the near future.

A PHEV would allow most urban commuters to use electric for the vast majority of their driving (provided charging stations become more wide spread), and since it does have a gasoline engine there never need be a concern with exceeding the range of the battery.

Originally posted 2010-01-14 02:00:37.