Saturday, October 1, 2011

Banks Find Another Way to SCREW People!!

Why is Bank of America (and other banks) lying to us? I do not like companies who try to validate screwing people by LYING.

In an email to me, they said: "Please note that the economics of offering a debit card have changed with recent regulations."

The "recent regulations" that they are speaking of only served to stop them from screwing people in other area's.  The regulations had NOTHING to do with the "economics" of the debit card usage.

Bank of America lost SOME income because the government started cracking down on them for screwing people, so they found yet another way to screw people. Bank of America STILL had a fee income in the BILLIONS!!! And, yet they are going to charge us $60 a year for not using cash or checks????

I could get a credit card (which I despise) with no annual fee, pay off the balance every month and NOT incur ANY fees, but they want to charge me for a fkking debit card?

"Bank of America's fee income was dropping at its deposits and card services units. The bank's deposits unit reported fee income of $1 billion in the second quarter of 2011, down 34 percent from $1.5 billion a year before.

Card services, which includes the bank's credit and debit card operations, reported fee income of $1.9 billion, down 23 percent from $2.5 billion in second quarter 2010."

Banks like Bank of America should be ASHAMED of themselves for this.

Sunday, November 28, 2010

Bill of No Rights!!

Bill Of No Rights For Non Custodial Parents

We, the sensible and responsible people of the United States, in an attempt to ensure that all children receive every possible opportunity available to them, and to promote positive behavior as examples for all children, hereby establish some common sense guidelines for non-custodial parents and liberal policy makers within the government who appear to be confused by the belief that non-custodial parents are entitled to certain rights and privileges, and that excuses should be made for irresponsible people who, in virtually every aspect of their lives refuse to accept any responsibility for any of their actions. We hold these truths to be self-evident: That the rights of children are more important than the rights of irresponsible non-custodial parents and that non-custodial parents and liberal policy makers require a common sense "Bill of No Rights."

ARTICLE I: You do not have the right to start a new family if you are unable to financially afford the family that you already have. If you did start a new family, and now argue that paying child support will hurt your current family, then you need to start making sacrifices for both of your families. Get another job. Reduce your standard of living. Stop being selfish and thinking only of yourself.

ARTICLE II: You do not have a right to an easy life. None of us has it easy - and responsible people are willing to do whatever is necessary to ensure that their children have everything that they need - even if it means working two jobs.

ARTICLE III: You do not have a right to expect the American taxpayer to provide your children with free health care or to provide you with educational programs or job training. That would be nice - but the rest of us have made sacrifices to obtain insurance for our families and to learn the skills that are needed to survive in today's world and there is absolutely no reason why you shouldn't make those sacrifices too.

ARTICLE IV: You do not have a right to a reduction in your child support obligation just because you exercise your visitation rights. The emotional well being of your children and your ability to develop a relationship with your children should be your highest priority in life and is worth any financial sacrifices that you will have to make.

ARTICLE V: You do not have the right to happiness. Being an American means that you have the right to pursue happiness as long as your pursuit of happiness is not detrimental to others. Your children should not suffer emotionally or financially because of your pursuit of your own individual happiness. If they do, then you should be entitled to absolutely no happiness in your life at all.

ARTICLE VI: You do not have the right to blame your inability to get a job or to pay child support upon your environment; the failure of your own father to be involved in your life; your race or religion; your lack of education or anything else that you may dream up. You are the master of your own destiny and if you can't motivate yourself to learn the lessons to be successful in life, then you have no right to complain when the judge sentences you to jail for contempt of court.

ARTICLE VII: You do not have the right to withhold the payment of any portion of your child support when you have other bills that need paying. Your children are more important than any other financial obligation that you may have. The only financial right that you have is the right to reduce your standard of living so that all of the needs of your children can be met. You also have the right to get a second job so that you can meet all of the obligations that you have created for yourself.

ARTICLE VIII: You do not have the right to demand visitation rights if you do not exercise those rights responsibly and fully. If you have not seen or talked to your children for a number of years, and then demand to see them now that you are having to pay child support, the rights of the children to feel secure with you take precedence over any visitation rights you may believe that you have. If you have repeatedly failed to visit the children after promising them that you would, you have no right to insist that when and if you do show up that you be allowed to exercise the visitation rights that are contained in the court order.

ARTICLE IX: You do not have the right to complain about the amount of child support that you are required to pay. When you complain, you are putting a dollar value on the lives and well being of your children and demonstrates to everyone that you are self-centered and shallow and do not have the best interests of your children as your top priority in life.

ARTICLE X: You do not have the right to demand that the custodial parent provide a financial accounting to you for the child support that you are either paying, have paid or are required to pay. No matter what amount you are paying or are required to pay, you are getting an exceptional value for your expenditures. The amount of support that you are paying does not come anywhere near the costs of raising a child. The custodial parent is making far greater financial sacrifices - and devoting his or her entire life to the children and doing the best that he or she knows how to.

ARTICLE XI: You do not have the right to have the child support obligation reduced because you buy school clothes for your children or have the children for a few weeks during the summer or over holidays. The costs of maintaining a home for the children continues whether they are there or not.

ARTICLE XII: You do not have the right to relinquish your parental rights just because you do not want to pay child support. If you do not have a relationship with your children, it is solely and 100% your fault. If you claim that you don't have that relationship because the custodial parent denied you visitation you are living in a fantasy world.

ARTICLE XIII: You do not have the right to complain about the manner in which the custodial parent is raising the children. If you do not like what is being done with the children, you do have the right to get involved and help the custodial parent by spending more time with your children. If you do not exercise that singular right, then you are entitled to no other rights at all.

ARTICLE XIV: You do not have the right to expect some other man or woman that is involved in the lives of your children to provide full financial support for them. That man or woman is not there to replace you, the biological parent and that person will never be able to take your place in the lives of your children unless you, by virtue of your own actions, allow that to happen. If you allow the "step-parent" to replace you in the lives of your children, then the "step-parent" has every right in the world to insist that you act responsible for once in your life and insist - and demand - that you contribute financially to the well being of your children.

ARTICLE XV: You do not have the right to expect - or to ask - the courts to grant you leniency when you have failed to pay the child support that has been ordered. You acted irresponsibly, and as compensation to the custodial parent who had to make sacrifice after sacrifice while you were not paying child support, you now should be required to make sacrifices as well. Life is not a one way street. You should be held fully and completely accountable for your actions and are entitled to no considerations or concessions. You are not a victim of the judicial system - or what it may do to you as a result of your irresponsible actions. You put yourself in that position. At that point, you are no different than any other criminal who has demonstrated that he or she is unable to live by the rules of society.

Copyright © 1998 Child Support Intervention. All rights reserved.

Thursday, October 15, 2009

PHP & MySQL

So, in my never ending quest for knowledge... I have decided to learn PHP and MySQL. I already know SQL fairly well from my Foxpro days, but it doesn't hurt to brush up on that stuff and check out new developments, etc.

I am currently in the process of converting my website from HTML/CSS to PHP/MySQL/CSS. I started about a week ago, and have been working on it, on and off. I'm spending more time now creating the actual tables for the database. I'll be using the database for several issues including site content and other things.

So, that's it for now. We'll see how it goes.

Also, if you haven't had the chance, check out this site that featured me in their blog posting:

http://orlandojobspot.blogspot.com/2009/10/carol-harstad-technical-writer-meet-and.html

Thanks bunches,

Carol A. Harstad

Saturday, August 15, 2009

Depression Sucks.

For many years, I have battled depression at some level. There's been occasions where I have been on medication to control it. Its never been really bad to the point of suicidal thoughts, or guilt, or anything like that.

Its basically been to the point where I lose interest in things I love to do, and have a hard time doing things I need to do. I have trouble sleeping normally and can not concentrate on anything. Instead of making decisions, I just go with the "I dunno" side of things. I always feel like I'm fatigued, but not sleepy. I have insomnia to the nth power and nearly have no appetite whatsoever. As a matter of fact, the kids have to remind me to eat some times.

Well, I haven't been on any sort of medication in years, and I think it's time I got some. I'm sooo sick and tired of picking up things I WANT to do, but just can't because, although I know I WANT to do it, I have no desire to actually do it.

Outside of medication, there is another possibility that might help. That would be if I actually found someone who inspired and motivated me.

My last couple of boyfriends, sorry to say, just sucked the fun out of life and were NO help whatsoever, and I'd even go so far to say that they exaggerated the problem. To say the least, it's because of those boyfriends that I haven't looked for another in 19 months now. I have been happier alone than with life suckers such as them. I mean seriously, when you spend all your time with a toxic person, what do you think will happen? That's why I don't deal with toxic people any more.

Political Stuff's

[ Where I Stand on Things ]

  • Guns: They would be fine if people were fine. Not all people are, and just because someone qualifies for a permit doesn't make them trustworthy. Not only that, but people have been known to go off the deep end. I don't want my neighbor to go off the deep end when my children are riding their bikes down the street. People claim they choose to have a gun for protection. Well, if you live in some ghetto with a high murder rate, I can understand this, but in the typical neighborhood, this argument just doesn't hold water. Criminals typically get their guns from law-abiding citizens who keep the guns "for protection".

  • Gun Control Laws: You see my point about guns... Guns should be banned. PERIOD!! And, before you start bringing up the 2nd Amendment... Let us look at it... "A well regulated militia being necessary to the security of a free State, the right of the People to keep and bear arms shall not be infringed." It doesn't take a rocket scientist to see what this says!!! But, yet, people try to use this Amendment of the Constitution to satisfy their own greedy needs. It DOES NOT STATE that individuals have the right to shoot targets or take the law into their own hands. I'm sick and tired of people using the Constitution of the United States to get what they WANT, instead of what they NEED. The term "the People" is referring to the population in general, not individuals. Meaning, you have the right to bear arms to secure your freedom, not your garden or beanie baby collection!!! We have police to take care of protection. So, don't EVEN try to pull that one!!! If you have a problem with your police force, do something to make it better. Do not criticize all policemen for a few idiots that may have slipped through.

  • Free Speech: The first amendment of the Constitution of the United States. People think they have the right to free speech to say ANYTHING they want. This amendment was intended to allow people to speak their opinions to the United States Government (or other entities) without being shot or hung or imprisoned for speaking their mind. It gives you the right to speak! Not the right to be obscene or obnoxious!!!

  • Healthcare: Current healthcare is atrocious! When your doctor is driving a BMW or Lincoln while you're scraping to find the money to pay him, there's something seriously wrong. Doctors should be in the profession to help people, not stock their $500,000 house with gold lion heads. Even the Hippocratic Oath states: "I will apply dietic measures for the benefit of the sick according to my ability and judgment; I will keep them from harm and injustice." Injustice is the fee's that doctors ordinarily charge, or procedures that the ill person doesn't even need so the doctor can pad his pockets. It also says "Whatever houses I may visit, I will come for the benefit of the sick". Most doctors these days are ONLY in it for the money!! This is BULLSH!T!!!!!

  • Barack Obama: This country is in shambles. Obama is doing what he can with what he's been given. At this time, I'm behind him 100%. He has taken the initiative to make positive changes in a country that is otherwise out of control. I claim no political affiliation, however, the Republican party has, in the past 8 years, shown that they can pick the dumbest people on the planet to represent them. Take a look at Bush and Palin. Dumb doesn't EVEN begin to describe the two of them. Republican party?? I'm telling you right now, you better wake up and start looking for intelligent people to represent the party, or the party will die in flames. Oh, I should also mention... My kids watch the news and research current issues (especially Cheyenne) for their own purposes, not for school. They KNOW what's going on in the government, and they also named one of our kitty's Obama. They make their own decisions based on facts. I wish more people were that smart.

Friday, August 14, 2009

Welcome!

Welcome to my website. I have added and designed this new blog section specifically for Webinique.com. Feel free to hang around. I'm always updating the site and will be adding new stuff as I think of it. If you are reading this blog from a site other than my personal website, feel free to take a look at it.

Webinique.com

Thank you for visiting.

Carol A. Harstad
Webinique webmaster