August 29th, 2006


Memo to the world

Please do not brag about the fact that you knew John Mark Karr was not the guy. Everybody knew he was not the guy. The only people who thought he was the guy were the Cable News outlets, and they are filled with retards. Literally. Nancy Grace has an IQ of 8. It's been tested. There's a reason the show has a credit for "Wardrobe by." She's not allowed to dress herself. Not after the "Waffle Hat" incident. So by knowing he was not the guy all you prove is that you have basic reasoning skills and are smarter than a retard. This is not something worth bragging over.

Banking woes

I just bounced my first check ever.

I'm going to have a tough time explaining to the person I bounced the check to what happened.

That person

I sold off some investments to pay off some debts, and the way I was told the transfer would work was that they would put the money into a checking account attached to my investment account, and I would then write a check to myself off that to move the money into my personal checking account, which I could then use to pay my bills. So I ordered the sale, and wrote the check. I deposited it. Now the money from the sale has turned up in my personal checking account in ADDITION to the check I wrote myself. So that check is going to bounce.

To say I'm annoyed would be a bit of an understatement. I am going to bounce a check between two citibank accounts because the money was put into the wrong account that they TOLD ME they couldn't put the money into directly. That's the whole reason for having the second checking account.

Shouldn't we be doing all of this through smartchips embedded in our wrists by now?

Other banking stuff

In a twist from the banking screw up with the checking accounts, I recently had an error go in my favor. I went down to B&H, a big audiovisual store run by Jews in New York and bought a tripod. It cost $300 (it's really nice) and I paid via debit card. When I checked my bank account a week and a half later the money had not been removed. It appears that I somehow got my tripod for free.

Now it's POSSIBLE I'm misremembering and I actually charged it to a credit card. It's also possible that there was some promotion of some sort going on (Visa Magic Moments or whatever) and I just got lucky. Most likely what happened was that the guy who swiped my card somehow screwed up (He swiped it as a credit card not a debit card, and I signed my name rather than inputting my Pin.)

Obviously the next thing I will do is wait for about a month to make sure the charge doesn't show up anywhere. IF, however, it does not, what is ethically required of me?

Poll #809423 What to do?

What is to be done?

Go down there with $300, turn it over, and beg their forgiveness
Call them and tell them about the error, but also tell them that they have to figure out a way to fix it
Feel guilty but don't do anything
Feel lucky that this time the error went in the consumer's favor
Try to figure out how to replicate the event.

This is a large store, but not a chain. It's also a place I have shopped before. I acted in good faith.

Modern banking ain't what it should be.