Just say no (Jack Bog's Blog)

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This page contains a single entry from the blog posted on October 21, 2011 12:50 PM. The previous post in this blog was Where is the mute button?. The next post in this blog is Have a great weekend. Many more can be found on the main index page or by looking through the archives.

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« Where is the mute button? | Main | Have a great weekend »

Friday, October 21, 2011

Just say no

Why any consumer would knowingly do business with Bank of America is beyond us. There are many other options.

Posted at 12:50 PM | Permalink

Comments (19)

Sounds like the perfect place for CoP to keep doing business.

Posted by Mr. Grumpy | October 21, 2011 12:59 PM

If I could only find a way to move my mortgage from them. Twice they have bought the mortgage after we refinanced with someone else.

Posted by DS | October 21, 2011 1:08 PM

I've had a VISA card with B of A for years. Very good rewards program and very good customer service. I'm a happy customer.

Posted by The Original Bob W | October 21, 2011 1:10 PM

If you have an account with Bank of America, and you have not closed that account, then you are part of the problem.

Posted by Brendan | October 21, 2011 1:55 PM

Brendan, he liked George Bush, too. Was very happy. Happy as a clam, in Dunthorpe.

Posted by Jack Bog | October 21, 2011 2:31 PM

DS - ditto (Countrywide, oops)

Posted by msmith | October 21, 2011 2:47 PM

I'm in for the ATMs every 10 feet throughout the US and I refuse to pay service fees. That being said new debit fee will likely send me to Schwab.

Posted by other steve | October 21, 2011 2:47 PM

DS, if you can refinance your mortgage with someone who doesn't sell them. ING was one of those option, but with Capitol One buying ING, that is less of an option.

CUs are an option, but they seem to have high mortgage rates... (and fees)

Posted by Michael | October 21, 2011 2:56 PM

Or JP Morgan Chase.

Posted by canucken | October 21, 2011 3:27 PM

Sweet. Move the unprotected derivatives over so the rest of us can pay (again) for their bad decisions.

Who says weird isn't working?

Posted by Cows | October 21, 2011 3:49 PM

BofA extorted $540 from me in ex-wife NSF fees. They kept telling me they were clearing her SBUX latte purchase as a "courtesy" to us for being long time clients. Each "courtesy latte" cost $38.50 including the NSF fee. Nevermind I asked them repeatedly to decline the purchases.

I don't bank with BofA or JPM/Woo-hoo anymore. The Credit Union (with shared ATMs) is a kinder gentler way to bank, and they reimburse a generous amount of anybody's ATM fees each month.

Posted by Mister Tee | October 21, 2011 4:41 PM

It's not clear to me why anyone wants to use a debit card, let alone pay for the privilege. My credit card works fine.

Posted by Allan L. | October 21, 2011 6:17 PM

RE: "Or JP Morgan Chase."

canucken,

Yeah, you do what you can to keep from contributing to JPM and the other too-bigs, which certainly have a lot of allies:

"It all begins with a recent report from the Government Accountability Office (GAO) that claims that, 'multiple directors or former directors of the Federal Reserve banks who played a key role in the 2008 bailouts had an apparent conflict of interest,' according to The Washington Examiner."
http://www.theblaze.com/stories/report-apparent-conflict-of-interest-between-fed-directors-and-bailouts/

"Jamie Dimon was the director for the Federal Reserve Bank of New York when JP Morgan received $29 billion through the Federal Reserve to purchase Bear Stearns, according to the report.

'Dimon also convinced the Fed to take risky mortgage-related assets off of Bear Stearns balance sheet before JP Morgan Chase acquired this troubled investment bank,”'writes the Sanders report."

http://www.scribd.com/doc/69502662/101911-The-Sanders-Report-on-the-Gao-Audit-on-Major-Conflicts-of-Interest-at-the-Federal-Reserve

Posted by Gardiner Menefree | October 21, 2011 8:11 PM

I agree with Allan L. Why use debit cards at all. At one time one could only debit the amount of purchases up to the checking account balance so no one could get in tdouble with overspending like you can with credit cards. Then banks figured theyD do everyone a favor and advance you the mobey if you were short of cash - for a fee. Then if you couldn't pay the whole thing off right away, more I terse charges. The easy spending with plastic cards has resulted in a generation that can't use a checkbook ane still should not be living off of my plans.

Posted by Nolo | October 22, 2011 12:24 AM

I left US Bank after I found out they took TARP money. I was a customer for decades.

I moved my money over to a local credit union (Consolidated Federal off of NE Sandy) and I have been very happy. Online banking and my money is here in the local community. I travel a lot and I can use any other credit union ATM in the country without fees, there are over 28,000 ATMs in the co-op network.

Find a well capitalized credit union near you and move your money. I am glad I did

http://www.bankrate.com/rates/safe-sound/bank-ratings.aspx?t=cu&i=&r=4&a=&c=&s=Oregon&z=

Posted by Stef | October 22, 2011 9:44 AM

Why use debit cards at all.

Because not everyone can get a credit card.

Posted by Ex-bartender | October 22, 2011 9:49 AM

And there's this new invention called an ATM -- look into it.

Posted by Jack Bog | October 22, 2011 10:00 AM

I have been with BofA since 1997. They have screwed me many times and many ways. I have been lazy about moving. I don't know why. But this is the last straw. I'll be moving to a CU by the end of the year.

Posted by Jo | October 22, 2011 4:29 PM

The Derivatives Flap
Is Bank of America Headed for the Glue Factory?
by Mike Whitney
http://www.counterpunch.org/2011/10/21/is-bank-of-america-headed-for-the-glue-factory/

Posted by Mojo | October 22, 2011 9:23 PM

In Vino Veritas

Quinta das Amoras, Vinho Tinto 2009
Mauro Molino, Barbera d'Alba 2009
Garda Chiaretto Rose
Columbia Crest, Two Vines Vineyard 10 White
Chateau Ste. Michelle, Pinot Gris, Columbia Valley 2009
L'Hortus, Rose de Saignee 2010
Maculan, Pino & Toi 2008
McKinley Springs, Bombing Range Red 2008
Trader Joe's Pinot Gris 2009
Montes Alpha, Cabernet 2007
Gran Sasso, Sangiovese, Terre di Chieti 2009
Garda, Classico Chiaretto Rose
Beaulieu, Cabernet, Rutherford 1999
Picos del Montgo, Tempranillo 2008
Chateau de Montmirail, Vacqueyras 2008
La Granja 360, Syrah 2009
Montgras, Carmenere Reserva 2009
Lange, Pinot Gris 2009
Columbia Crest, Horse Heaven Hills Cabernet 2008
Kirkland, Pinot Grigio 2010
Trader Joe's Coastal Syrah 2009
Columbia Crest, Horse Heaven Hills Merlot 2008
Trader Joe's Coastal Chardonnay 2009
Vieux Papes Red
Domaine de l'Aujardiere, Chardonnay 2009
Santa Rita, Cabernet, Medalla Real 2007
Penfold's, Koonunga Hill Shiraz Cabernet 2008
Guild, Red, Lot #02 2008
Dievole, Dievolino Sangiovese 2008
Laforet, Burgogne Chardonnay 2009
Columbia Winery, Merlot 2007
Bonterra, Cabernet 2008
Elk Cove, Pinot Gris 2009
Maquis Lien 2006
Scott Paul, Pinot Noir, Le Paulee 2007
Cameron, Chardonnay
B.R. Cohn, Cabernet, Silver Label 2006
Graffigna, Cabernet 2005
Palo Alto, Reserve Red 2008
Menguante, Garnacha 2008
Lange, Pinot Gris 2009
Felsina Berardenga, Vin Santo 1997
Anne Amie, Pinot Gris 2009
McKinley Springs, Bombing Ramge Red 2007
Vieux Papes Red
Dionysius Chardonnay 2009
Haden Fig, Pinot Noir 2009
Vega Montan, Mencia 2008
Chateau la Vernede, Coteaux du Languedoc 2007
Mount Defiance, Hellfire (White) 2008
Root: 1, Cabernet 2008
Columbia Crest, Two Vines Pinot Grigio 2009
Columbia Crest, Two Vines, Vineyard 10 White, 2008
Columbia Crest, Two Vines, Vineyard 10 Rose, 2007
Abacela, Grenache Rose 2009
Avia Cabernet 2004
Lemelson Pinot Noir, Thea's Selection 2007
Chateau de la Roulerie, Rose d'Anjou 2009
Casal Garcia, Vinho Verde Rose
La Ferme Julien, Rose 2008
Cana's Feast, Bricco Red, 2006
Hogue, Genesis Merlot, 2008
Owen Roe, Sharecropper's Cabernet, 2008
Kim Crawford, Unoaked Chardonnay 2008
J. Scott, Pinot Noir 2008
Edmunds St. John, White, Heart of Gold 2008
Columbia Crest, Walter Clore Private Reserve 2006
Stevenot, Cabernet, Sierra Foothills, "Stanford" 2000
Portuga, Vinho Rose 2009
Taylor Fladgate, First Estate Reserve Porto
Franciscan, Cabernet, Napa 2006
Chaparral de Vega Sindoa, Garnacha 2008
Quinta da Aveleda, Vinho Verde 2008
St. Francis, Chardonnay Sonoma 2008
E. Guigal, Cotes du Rhone Blanc, 2007
Edmunds St. John, Bone-Jolly, Gamay Noir 2008
St. Innocent, Pinot Noir 2006
Jigsaw, Pinot Noir 2007
Chateau Ste. Michelle, Merlot, Indian Wells 2007
Charles Shaw, Chardonnay 2008
Edmunds St. John, Bone-Jolly, Gamay Rosé 2009
Cameron, Willamette Valley Chardonnay
Il Valore, Sangiovese, Giovane, Puglia 2008
Duck Pond, Chardonnay, Wahluke Slope 2007
Kim Crawford, Marlborough Pinot Noir 2008
Domaine du Pesquier, Cotes du Rhone 2005
Cantina Zaccagnini, Montepulciano d'Abruzzo 2006
Domaine Matrot, Chardonnay, Bourgogne 2007
David Hill, Oregon Sparkling Wine, Brut
Chandler Reach, Monte Regalo 2006
Elk Cove, Pinot Gris 2008
Kirkland, Columbia Valley Merlot 2008
D'Aragon, Old Vine Garnacha 2008
Columbia Crest, Walter Clore Private Reserve 2005
Pavin & Riley, Merlot 2006
David Hill, Estate Pinot Noir, Barrel Select 2006
Castle Rock, Paso Robles Cabernet 2006
Magnificent, Cabernet, Steak House 2008
Conundrum 2008
Beaulieu, Cabernet, Rutherford 1998
Saint Cosme, Cotes-du-Rhone 2007
La Granja, Tempranillo 360, 2008
Santa Rita, Mendalla Real Cabernet 2006
Columbia Crest, Grand Estates Merlot 2006
Andezon, Cotes-du-Rhone 2007
Collegiata, Montepulciano d'Abruzzo
Troon, Druid's Fluid 2008
La Granja, Tempranillo 2008
Monte Antico, Toscana 2006
Vieux Papes, Blanc de Blancs

The Occasional Book

Jack London - The House of Pride, and Other Tales of Hawaii
Jack Walker - The Extraordinary Rendition of Vincent Dellamaria
Colum McCann - Let the Great World Spin
Niccolò Machiavelli - The Prince
Harper Lee - To Kill a Mockingbird
Emma McLaughlin & Nicola Kraus - The Nanny Diaries
Brian Selznick - The Invention of Hugo Cabret
Sharon Creech - Walk Two Moons
Keith Richards - Life
F. Sionil Jose - Dusk
Natalie Babbitt - Tuck Everlasting
Justin Halpern - S#*t My Dad Says
Mark Herrmann - The Curmudgeon's Guide to Practicing Law
Barry Glassner - The Gospel of Food
Phil Stanford - The Peyton-Allan Files
Jesse Katz - The Opposite Field
Evelyn Waugh - Brideshead Revisited
J.K. Rowling - Harry Potter and the Sorcerer's Stone
David Sedaris - Holidays on Ice
Donald Miller - A Million Miles in a Thousand Years
Mitch Albom - Have a Little Faith
C.S. Lewis - The Magician's Nephew
F. Scott Fitzgerald - The Great Gatsby
William Shakespeare - A Midsummer Night's Dream
Ivan Doig - Bucking the Sun
Penda Diakité - I Lost My Tooth in Africa
Grace Lin - The Year of the Rat
Oscar Hijuelos - Mr. Ives' Christmas
Madeline L'Engle - A Wrinkle in Time
Steven Hart - The Last Three Miles
David Sedaris - Me Talk Pretty One Day
Karen Armstrong - The Spiral Staircase
Charles Larson - The Portland Murders
Adrian Wojnarowski - The Miracle of St. Anthony
William H. Colby - Long Goodbye
Steven D. Stark - Meet the Beatles
Phil Stanford - Portland Confidential
Rick Moody - Garden State
Jonathan Schwartz - All in Good Time
David Sedaris - Dress Your Family in Corduroy and Denim
Anthony Holden - Big Deal
Robert J. Spitzer - The Spirit of Leadership
James McManus - Positively Fifth Street
Jeff Noon - Vurt

Road Work

Miles run year to date: 54
At this date last year: 50
Total run in 2011: 113
In 2010: 125
In 2009: 67
In 2008: 28
In 2007: 113
In 2006: 100
In 2005: 149
In 2004: 204
In 2003: 269