I have never been a big watcher of talk shows. Some men and women really like those types of entertainment, but personally speaking it is just not my thing because these types of shows very seldom have a follow up and are generally one-sided. ~BUT~ at 6am this morning, I found myself watching an older version of the Dr. Phil show from 2006. It covered teachers who are harassed by their students.
I listened intently to a teacher who had lost her contract because more than 10 years ago she made 2 porn films and was into drugs and alcohol. Some students had run across this film and were making it a public issue. The point of facts covered were (a) there was nothing in her pre-employment hiring process that covered something of this nature, (b) she is not the same person then as she is now, and (c) all her job reviews have been excellent. The teacher explained how wrong she was then and how her life was such a mess. She now is a mother and no longer interests in drinking or drugs. She, also, does not participate in any type of pornographic interest for more than 10 years. Yet she is being punished for bad choices as an extremely young adult. The audience voted and more than 60% of the audience didn’t find a problem with her teaching their children in a teen setting.
It was pointed out that the teens, had brought this film forward were not sanctioned because of the law. It is illegal for minor to own or possess pornography.
I am going out on a limb. Would you allow a teacher who had turned their lives around teach your children? Would you allow a teacher who made a “one-time” mistake teach your children?
[Again, I am going out on a limb.] I know, personally, in my life-time, where a teacher has made such a mistake. To my knowledge this mistake was an isolated one-time incident to where this teacher lost this license. That incident happened more than 20 years ago. To answer the question, yes! I would allow this teacher to teach my teenage children. Why because he taught me honorably and was a great role model who made a judgment error.
If I knew a teacher (such as the teacher who made the ‘porn video’) who had changed their life style around for the better, who wanted to teach my children, would I allow it? In a heart-beat! Why?
Teenagers need to see that in our lives we fall down. They do not often see the fall down aspect of their parents. We parents often keep our failures and disappointments to ourselves. However in today’s society it is easy not to financially succeed in most cases; this is a different type of “failure” –which is the loss in the ability to 100% care for our children like we did when they were born.
The best lessons in life are from examples. People make mistakes all the time, it is how we correct, change, and start fresh. “Once forgiven, the sin is washed away, and we begin fresh and new!” Is this not the christianly manner that Jesus would advocate? Have to bring Jesus into this because is this not the behavior that society should take, especially those being a self-professed Christian?
Depending on the circumstances and if we have all the facts, we cannot judge people on a social basis. We can only judge people in the confines of the legal system and that is only with all the facts being present and heard in an objective manner. That, ladies and gentlemen, is the only Christian alternative period.
Listen to my advice, for whatever it is worth—do not be a hypocrite! In the case of many school boards and their judgments of hiring and firing teachers, “hardening of the arteries” has set in as elective officials. Why is there not a parent board for that a school for that nature teacher ratings? Parents do have the ability and more exposure to teachers more than most of the school boards or even their school supervisors. After all are we not the employers of these teachers? For that matter, are we not the employers of the school boards too? I for one am glad my children are past this age.
Mother Teresa
"Everyone lives to be needed." Mother Teresa
Friday, March 23, 2012
Tuesday, March 20, 2012
Buyer Beware
“Buyer Beware” Part 2
Follow up on ‘PENDING CHARGES’
Well I have been proven wrong and glad to be proven wrong by U-haul.
On March 20th, (today) I received a comment on my last noted article from Alison with U-haul. The matter was taken care of. As of later this afternoon, I had my $91.00 and some change credited to my Bancorp Bank card.
It takes one person to correct a situation. I am so very blessed that Alison with U-haul accidentally ran across my blog. I am equally as blessed that she was a conscientious American Humanitarian to take the time and correct a situation that means I can get a few simple things in life like toilet paper, a gallon of milk, peanut butter, non-dairy creamer, tooth paste and aspirins. It will also mean, I have enough gas money to get to that job interview next week.
In return, I will (even though I have not been asked) THANK U-haul today for having such a caring employee. She needs to be noted as such. I will also go one step further, I will pray for Alison that God forever remembers the wonderful deed she did in getting my needs met. She is truly an angel.
Follow up on ‘PENDING CHARGES’
Well I have been proven wrong and glad to be proven wrong by U-haul.
On March 20th, (today) I received a comment on my last noted article from Alison with U-haul. The matter was taken care of. As of later this afternoon, I had my $91.00 and some change credited to my Bancorp Bank card.
It takes one person to correct a situation. I am so very blessed that Alison with U-haul accidentally ran across my blog. I am equally as blessed that she was a conscientious American Humanitarian to take the time and correct a situation that means I can get a few simple things in life like toilet paper, a gallon of milk, peanut butter, non-dairy creamer, tooth paste and aspirins. It will also mean, I have enough gas money to get to that job interview next week.
In return, I will (even though I have not been asked) THANK U-haul today for having such a caring employee. She needs to be noted as such. I will also go one step further, I will pray for Alison that God forever remembers the wonderful deed she did in getting my needs met. She is truly an angel.
Monday, March 19, 2012
Buyer Beware
Hind-sight is better than Fore-sight!
How many times have you heard that in your life time? It was generally a well heard term in our home growing up. Well here is a hard lesson in life to learn and realize that you have learned it.
In this economy, never ever use a bank card that you have for a reservation.
I was in the process of moving while filing for my taxes at the same time. I felt it would be easier for me to get my tax return on one of those Intuit-TurboTax Cards. I read all the disclaimers, disclosures, and “dark gray” areas to make sure it was on the up and up. My relationship with Intuit-TurboTax is fairly new, about three years old. This is the first year they have offered this debit card – to my knowledge. I chose it. BIG MISTAKE!
On March 1st, I reserved over the internet an Uhaul truck. $1.20 was run to make sure the card was good (which has happened to me before). On March 2nd, I picked up the truck on March 2nd and my card was run again for the cost plus 20-30% (which also has happened before). This hold came to about $91.00 and some change. General rule of thumb, ladies and gentleman this is a common practice with credit card companies – it is called “CHARGES PENDING.” It is an authorized hold that generally drops off after 5 – 10 working days. I have never seen one held after 5 working days.
When I turned the truck in on March 3rd, I paid cash for the entire bill. It came to about $77.00 and some change.
On the 5th working day, I called Uhaul customer service to discuss this matter with them. That was March 9th. A gentleman that answered the phone with their customer service department was most helpful. He was sending an e-mail to the “charge department” in the corporate offices to have this matter taken care of. It would be resolved as earlier by drop off by Monday.
On March 12th, I checked the bank account. It hasn’t been removed. I started calling and found out that from Bancorp Bank, Inc. most of all holds are held up to 60 days and they reserve the right to do so because Uhaul Corp., okays it. I got Uhaul Corp on the phone via a three way call with Bancorp Bank. Bancorp gives us a list of requirements to have the hold drop as well go into their spill with Uhaul Corporate Offices. The Uhaul representative tried to correct the Bancorp representative on the different types of authorized holds and what they were looking at was not that type of hold. A (2nd) email/fax was sent and Bancorp verified that the hold was no longer valid. But it wasn’t corrected according to the bank when I checked.
I asked to speak to the person with the bank that said it was incorrect. I was denied that the hold was dropped because “They (the holds) are authorized by the security department and the information cannot be release to me or to them because of security purposes but it is incorrect. We need to resend the information all over again.”
A 3rd e-mail/fax was sent. It was verified as being received. But I was told “security is not going to release the funds for an undisclosed matter.”
I asked, “OH? What is the reason? I want to speak with the people or department who made the decision.”
I was told, (this is really good),
“Ms. Burns, you cannot talk to that department. It is security. They do not talk to the general public. They will not tell me why it was denied, because of security reasons. I do not have access to that information. No one does, not even you Ms. Burns because of security purposes. Your money will be getting released in 60 days. “ (Is Bancorp Bank part of Homeland Security?)
I spoke with more than 7 customer service agents with the bank, not one looked at my account before they started quoting policy to me. I finally got hold of someone who was with customer service who advised me that, fraud division generally handle pre-paid services, and she transferred me over to them. While I held for 45 minutes as called number 13, a recording came on the phone that they had closed for the day. Their normal business hours are Monday through Friday, 8am to 5pm Eastern Standard Time.
I filed a complaint with the Federal Reserve that will take 60 days to investigate. I wrote Uhaul Customer Service an e-mail. I called the president of Intuit and e-mailed Intuit. I have sent a total of 6 or 7 e-mails to Bancorp Bank. I even sent an e-mail to VISA International to see if they can define and teach “PENDING” to Bancorp. I have spent a total of 8 - 12 man hours on this project. I have held on the phone 4 of those 8 hours. I have been hung up on three times. This has made be physically ill.
Today marks the 10th business day. No money has been released and no phone call has been made to me. No one has apologized for this practice. I will not be able to get my small $91.00 (and change) nor my $1.20. I wonder how much interest Bancorp Bank is receiving on similar issues?
Most people live pay check to pay check and need their money. I do. I am one of those people!
“DO NOT SECURE ANY RESERVATIONS ON THE INTERNET OR BUSINESS USING YOUR PERSONAL CREDIT OR BANK CARD EVER AGAIN IN YOUR LIFE!”
I am not sure I will be using Intuit-TurboTax next year for myself and the other people I do taxes for. I have done upgrades on my desk top and purchased the last Intuit program through Office Depot. I was also thinking about buying Quick Books (Intuit). No I don’t think so.
I am not credit savvy, or very bright in many things dealing with society and personal finances. I try and it doesn't work for me. I am not full of wealth. My aspiration in life is that of humanitarian. That I understand 1000% --that is my training in life. I loathe people with money who say that their money came via God. It didn’t!
Honestly people who have money have obtained it by (a) inheritance, (b) working very hard and being financially smart, (c) off the backs of laborers, or (d) dishonestly. I like the “b” group. I work hard and am financially dumb(the "b-1a group"). The last time I checked God had nothing to do with US cash flow. God only deals with the morality of our souls. God could care less how much cash or assets you or I have. He does cares if our needs are met. Cash can purchase needs by the individual or someone can give us our needs. It matters not. Some may argue that he watches over. Yes he does. He watches over to see man SCREW UP!
When doing business to hold a reservation, do it with a prepaid credit card that you don’t mind having money held on. It is a common business practice to hold the amount of purchase + 20-30% of the bank authorizing the rest of the money. But make sure there isn’t more money held than that. Sometimes banks make mistakes and hold twice that of the purchase.
One should never do business with Bancorp Bank Pre-paid debit cards. They issue information on your account without looking at your account. It seems they have a different telephone number and different customer services for different corporate sponsored cards and that none of them have anything to do with the other. The regular customer service has access to your card. They also can tell you like they told me,
“It seems that after looking at these charges, they have gotten confused on the terminology and that is why your money has been held.”
REGARDLESS OF THE SITUATION, I WANT MY MONEY. I CAN’T GET IT BECAUSE NO ONE LISTENS AND OR WILL GIVE ME AN HONEST ANSWER. I WAS TOLD IT WAS ILLEGAL FOR ANY BANKING INSTITUTION TO HOLD YOU MONEY PAST 72 HOURS ONCE IT HAS BEEN CLEARED. WELL IT TAKES 60 DAYS FOR FDIC GET INVOLVED.
Does any of this make sense? Hind-sight is better than fore-sight. No. I will not in the future do business with Bancorp Bank, Inc.
Moral of the story, if this happened to me, it will happen to you too. BEWARE!
How many times have you heard that in your life time? It was generally a well heard term in our home growing up. Well here is a hard lesson in life to learn and realize that you have learned it.
In this economy, never ever use a bank card that you have for a reservation.
I was in the process of moving while filing for my taxes at the same time. I felt it would be easier for me to get my tax return on one of those Intuit-TurboTax Cards. I read all the disclaimers, disclosures, and “dark gray” areas to make sure it was on the up and up. My relationship with Intuit-TurboTax is fairly new, about three years old. This is the first year they have offered this debit card – to my knowledge. I chose it. BIG MISTAKE!
On March 1st, I reserved over the internet an Uhaul truck. $1.20 was run to make sure the card was good (which has happened to me before). On March 2nd, I picked up the truck on March 2nd and my card was run again for the cost plus 20-30% (which also has happened before). This hold came to about $91.00 and some change. General rule of thumb, ladies and gentleman this is a common practice with credit card companies – it is called “CHARGES PENDING.” It is an authorized hold that generally drops off after 5 – 10 working days. I have never seen one held after 5 working days.
When I turned the truck in on March 3rd, I paid cash for the entire bill. It came to about $77.00 and some change.
On the 5th working day, I called Uhaul customer service to discuss this matter with them. That was March 9th. A gentleman that answered the phone with their customer service department was most helpful. He was sending an e-mail to the “charge department” in the corporate offices to have this matter taken care of. It would be resolved as earlier by drop off by Monday.
On March 12th, I checked the bank account. It hasn’t been removed. I started calling and found out that from Bancorp Bank, Inc. most of all holds are held up to 60 days and they reserve the right to do so because Uhaul Corp., okays it. I got Uhaul Corp on the phone via a three way call with Bancorp Bank. Bancorp gives us a list of requirements to have the hold drop as well go into their spill with Uhaul Corporate Offices. The Uhaul representative tried to correct the Bancorp representative on the different types of authorized holds and what they were looking at was not that type of hold. A (2nd) email/fax was sent and Bancorp verified that the hold was no longer valid. But it wasn’t corrected according to the bank when I checked.
I asked to speak to the person with the bank that said it was incorrect. I was denied that the hold was dropped because “They (the holds) are authorized by the security department and the information cannot be release to me or to them because of security purposes but it is incorrect. We need to resend the information all over again.”
A 3rd e-mail/fax was sent. It was verified as being received. But I was told “security is not going to release the funds for an undisclosed matter.”
I asked, “OH? What is the reason? I want to speak with the people or department who made the decision.”
I was told, (this is really good),
“Ms. Burns, you cannot talk to that department. It is security. They do not talk to the general public. They will not tell me why it was denied, because of security reasons. I do not have access to that information. No one does, not even you Ms. Burns because of security purposes. Your money will be getting released in 60 days. “ (Is Bancorp Bank part of Homeland Security?)
I spoke with more than 7 customer service agents with the bank, not one looked at my account before they started quoting policy to me. I finally got hold of someone who was with customer service who advised me that, fraud division generally handle pre-paid services, and she transferred me over to them. While I held for 45 minutes as called number 13, a recording came on the phone that they had closed for the day. Their normal business hours are Monday through Friday, 8am to 5pm Eastern Standard Time.
I filed a complaint with the Federal Reserve that will take 60 days to investigate. I wrote Uhaul Customer Service an e-mail. I called the president of Intuit and e-mailed Intuit. I have sent a total of 6 or 7 e-mails to Bancorp Bank. I even sent an e-mail to VISA International to see if they can define and teach “PENDING” to Bancorp. I have spent a total of 8 - 12 man hours on this project. I have held on the phone 4 of those 8 hours. I have been hung up on three times. This has made be physically ill.
Today marks the 10th business day. No money has been released and no phone call has been made to me. No one has apologized for this practice. I will not be able to get my small $91.00 (and change) nor my $1.20. I wonder how much interest Bancorp Bank is receiving on similar issues?
Most people live pay check to pay check and need their money. I do. I am one of those people!
“DO NOT SECURE ANY RESERVATIONS ON THE INTERNET OR BUSINESS USING YOUR PERSONAL CREDIT OR BANK CARD EVER AGAIN IN YOUR LIFE!”
I am not sure I will be using Intuit-TurboTax next year for myself and the other people I do taxes for. I have done upgrades on my desk top and purchased the last Intuit program through Office Depot. I was also thinking about buying Quick Books (Intuit). No I don’t think so.
I am not credit savvy, or very bright in many things dealing with society and personal finances. I try and it doesn't work for me. I am not full of wealth. My aspiration in life is that of humanitarian. That I understand 1000% --that is my training in life. I loathe people with money who say that their money came via God. It didn’t!
Honestly people who have money have obtained it by (a) inheritance, (b) working very hard and being financially smart, (c) off the backs of laborers, or (d) dishonestly. I like the “b” group. I work hard and am financially dumb(the "b-1a group"). The last time I checked God had nothing to do with US cash flow. God only deals with the morality of our souls. God could care less how much cash or assets you or I have. He does cares if our needs are met. Cash can purchase needs by the individual or someone can give us our needs. It matters not. Some may argue that he watches over. Yes he does. He watches over to see man SCREW UP!
When doing business to hold a reservation, do it with a prepaid credit card that you don’t mind having money held on. It is a common business practice to hold the amount of purchase + 20-30% of the bank authorizing the rest of the money. But make sure there isn’t more money held than that. Sometimes banks make mistakes and hold twice that of the purchase.
One should never do business with Bancorp Bank Pre-paid debit cards. They issue information on your account without looking at your account. It seems they have a different telephone number and different customer services for different corporate sponsored cards and that none of them have anything to do with the other. The regular customer service has access to your card. They also can tell you like they told me,
“It seems that after looking at these charges, they have gotten confused on the terminology and that is why your money has been held.”
REGARDLESS OF THE SITUATION, I WANT MY MONEY. I CAN’T GET IT BECAUSE NO ONE LISTENS AND OR WILL GIVE ME AN HONEST ANSWER. I WAS TOLD IT WAS ILLEGAL FOR ANY BANKING INSTITUTION TO HOLD YOU MONEY PAST 72 HOURS ONCE IT HAS BEEN CLEARED. WELL IT TAKES 60 DAYS FOR FDIC GET INVOLVED.
Does any of this make sense? Hind-sight is better than fore-sight. No. I will not in the future do business with Bancorp Bank, Inc.
Moral of the story, if this happened to me, it will happen to you too. BEWARE!
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Purple Babies
They are cute. I am glad they aren't mine.
About Me
- Julia Burns American Motherhood
- This blog started as a class project, but I couldn't put it down. There is just too much information that we need as women and as parents! We shouldn't be afraid to talk about any of it!