WHY BLOG?

"Why do I blog?"

It's the newest why BobKat... over the years, I don't know how many others out there get questioned repeatedly about why I/we do what we do. Maybe it's commonplace. But, to me, when people question me, it feels personal. The true question is 'how will I make money doing that?'

I may be particularly sensitive, when being questioned, given past experiences. And so we begin...

History aside for the moment, I do it for me, and I do it with the idea that others will find my blog interesting, maybe inspiring.

It's a learning experience, a place to exercise my mind, thoughts, and although a bit on the fringe at times express myself. Others can listen. It's what I did during the 70's when I was working at the college, I wrote all around the campus, and after work at night I wrote a the college bar nearby. Legal age for alcohol was 18.

Dung is what's left of those years... that and some great, cherished memories. Quite the combo... it isn't any wonder I write... given the next 30 years that followed... the result is a mind overloaded, and writing is in my nature, and something I need to do.

I write because I can.

Since Oct. of last year I've written 70+ posts. I have 4 followers, I have 8 votes in my opinion poll (bottom of this page), and three friends that write comments occasionally.

No, profit isn't the name of this pastime... not yet anyway.

This is a good way to experiment with my writing... it's also a great way to promote those causes I believe in.

Several new posts in the works...

George, my agent, will take any further questions :-

WHAT'S WITH THE NON-CONFORMIST?

In every society there is "the norm", a euphemism for public order. People really are individuals. And to varying degrees they attain success. How that spells out is why there are so many books.

To define the kind of public order required in a society, given all the individuals involved, there had to be laws, rules, morals, and more. But we didn't survive as a species by always following the rules. In fact, many of us rarely act 100% lawfully. I commute a long distance... I can assure you 30% at best obey traffic laws, most speed... and many really speed past. It could be worse, in Boston they also cut you off. I grew to love Boston driving... but that's for another day.

During one of my custodian days, in NH, I had worked at this school maybe 5-6 years by then. It was a great job.

During the 9+ years employed there, it began where in this Elementary/junior HS, in 1988 we could smoke wherever. Within three years we were forced to smoke in the custodian's office, where the principle also hung out. We could smoke outside, and maybe in the teacher's lounges, I am fuzzy remembering that. A year or two later, the law was passed making it illegal to smoke on school grounds; or a set distance.

What I found most interesting was when we had school events in the evening... band concert, spelling bee, penny sale, basketball game... there was always something interesting going on, this was after hours, I worked 3-11PM.

We used to place Butt receptacles at the entrances during these events. When the law took effect, no more butt receptacles. Yet people continued to mill around outside and smoke. It was my job, unfortunately to kindly ask these people not to smoke. "Damn the law, I'll smoke if I want to smoke. It's a cigarette, not pot!" And the butts accumulated on the pavement. Typical non-conformist. These were the adults attending the events.

For a couple months we started putting the butt receptacles back out. To suit the guests. Then, eventually people conformed..

This wasn't my topic, though it's relevant..

Laws are one thing, but social mores and morals are another. It's an area of human behavior that does get researched, though I feel not nearly enough.

I can only contribute my own experiences as a non-conformist, and well all the other non-conformists I knew..

I intend to discuss the price/cost of non-conformity, also the benefits to society and the individual. We'll not go the extreme... We'll take a regular guy who's actually, early on, quite the conformist . Then, he's not.

We'll examine  "what went wrong"?

Our character was a member/employee of a large organization, a large group of people, most who treated him with respect.

He was a college custodian. There were some who saw that as a crime...

Enter, the Non-Conformist...

THE NON_CONFORMIST... PART ONE

It is that time in human history to discuss an extremely important subject: Non-Conformity.

The term itself probably evokes a sense of alarm in many people. The term in it's very basic definition could be construed as amounting to a breakdown in society, and total anarchy. It's a fear, for some a valid fear.

The truth is, there is no black and white explanation when it comes to being a conformist and a non-conformist. I'm sure there are people out there who conform in all possible ways, to rules, regulations, laws, dress-codes, restrictions, etc. But the majority of us walk a fine line... and it's to that end I begin this new topic.

What is the cost of being a non-conformist? What are the benefits? What exactly is being a non-conformist all about?

In my future posts I want to provide insight into what the diversity between being conformist as compared to non-conformist is all about. A society does depend on both for it's survival. An imbalance makes things difficult.

Someone has to be in control if one is to conform... often this is a group, as groups work well in designing conformist rules. Given these sets of rules, a person with inalienable, Constitutional rights to free speech, pursuit of happiness, will find their way to be different. And by being different, they keep alive the "out of the box" perspective on how society is working out.

Certain of these individuals might get peeved over the way a "missing person's case" is being described, and investigated. This person might make a phone call to the family to offer assistance by providing a skill that could help in finding the missing person. This volunteer may find that his non-conformist beliefs are actually a desirable trait, one that might very well help in finding the missing person, or what happened.

In a strictly conformist society there is stagnation and minimal growth.  There is little innovation, and few new ideas. Many businesses subscribe to this ideal... the rational being "we (the company) want employees that do as we say, abide by the rules, and see this similar to high-school. There are rules, and what you do doesn't deserve recognition, nor attention. We pay you, you do what we tell you to."  This is conformity. Without unions, employees are pretty much at the mercy of the company they work for, IF, they are working, being as so many in this country are out of work.

I live in a country that, for the most part, respects my Constitutional Rights, including Free Speech. My right to disagree, argue, peaceably protest , write about, boycott, and promote reform... promote growth in our society. A better society. A free society. A sensible and fair society.

As a Free Society we both should realize there is flexibility in freedom, not breakage. There has to be some rules. In a democracy, those rules are voted on. They are flexible rules and subject to change. There are also rules that protect society... rules that are flexible in some cases, but that society recognizes as wrong and without question unlawful in other cases.

My purpose with this series is to investigate the non-conformist.  Ultimately, most non-conformists become conformists. You only need to belong to a group to conform. Of course, there are bigger groups, and ever bigger.

Eat your broccoli...

Wall St trumps Main St - BobKat Announces Rate Hike to Unsolicited...

I'd love to say this post is tongue in cheek, but it's not. Instead, "I'm Mad as Hell and I'm Not Going To Take it Anymore!".


No, this isn't about ganja.

It's about my current bank that I've had for over 10 years, and credit card companies I've been a well treated client for over 20 years... and how 5 of 8 are screwing me.

My bank where I've had what i thought was "Free Checking" for years. Of late I've discovered they've been charging me a $15/month maintenance fee, for over a year now and i didn't realize it.

I've been scrimping pennies, trying hard to stay in a budget that I can feel comfortable in. I'm one of the fortunate one's. I'm employed... 12 years almost. This year we didn't get a raise. That's a shame, as I busted my ass last year for the company. You'd think they could take out a loan to give us a raise.

Sorry, got off subject there.

I also have a savings acct. with the bank. I have it because of an identity theft event, an event filed with the FTC, and I have it in writing, my identity was stolen. I spoke with my bank, and they recommended a "free savings account". I could have my paycheck therein deposited, then transfer what I'd need to checking. The ID theft happened in 2007. My plan worked well, until...

A month ago I discovered a strange charge online accessing my account. I was looking at Savings. There was a $5 service charge. Hmm. My house mate who also had the same bank/similar account noticed it too. What was it for???

But there was more. I called my bank and expressed my concern. I had signed up for "free savings".  She pointed out the agreement allowed them to change the rules anytime they liked.

I've listened to enough Market Place on NPR to know a line like that. I told the person, given the fact that I had a case filed and verified by the FTC, they couldn't charge me a service charge out of the blue. I asked, "had they notified me?"

She said "yes..." the person I was transferred to, that I was told could help. That person couldn't. It was the rule I accepted the rules, that they could change the rules at any time.

Total charge? Over $200-$300/yr

Add that to all the other interest, taxes, fees, basic needs and commuting expenses, it's amazing I have any extra money each day.

******

Well, effective immediately, I have no choice but to enact a citizen's charge for any and all junk mail, credit-card offers, special offers or free stuff, if I join or submit an application for approval. Effectively immediately a service charge of $25 will be assessed per offer, that I receive by mail, unsolicited. Included in that charge is a maintenance fee, handling charge.

It costs me to look at, consider, look at, read or shred that unsolicited mail. I could send a letter "opting out of receiving these offers". But they can "opt out" too. Or agree to to rates. Just send me a terr detailing your request. A $30 service charge will apply to consider your request.

It's up to you to read this post... failure to do so does NOT excuse or exclude you from said fees and charges.

Thank-you... my new business model should prove as lucrative as what my bank is now feeling !

How is it as a tax-payer who bailed out Wall St., who still gets bonuses that I could barely make in my lifetime, raise my rates across the board, and claim they have no choice but to raise every fee, charge, and cost to benefit them, when they are the ones who screwed up and put society in the mess of a GREAT RECESSION it's in???

While their borrowing and lending rates remain near 0%, us consumers are seeing an increase in all of our rates.

Something smells bad...

And I'm not suggesting "in Denmark". Right here at home.

Born in the USA... as a citizen, just wondering... is anybody out there, anybody listening?

The biggest question/criticism I have is directed towards myself. And perhaps this is the other 50% of the financial reform issue being discussed in Washington. Why did I not realize I was being charged these fees by my bank, until now, when they were right there on my statement?

Damn good question!

I check my accounts nearly everyday, online. I peruse my charges and credits. I look for something out of the ordinary, but that can be difficult given the unusual account names that appear on statements. I tend to look at them. Services charges... I do see them, and I often call the bank, and it nothing... like I didn't realize there was a limit to the number of online transfers per month there were. 4 transfers/month is the limit, I think. Go over that and there's a service charge. When this first happened to me, I called the bank and they refunded me, my agreeing I now understood the terms.

The fact is... I didn't see a service charge for my account coming. I trusted my bank. I had online access to my account and received text messages for changes to my account. I never saw one telling the to rate changes, the fact the bank had been sold a third time, that new rates were in effect. All seemed on the up and up.

I was blind-sided. That's not against the law... though it should be.Yeah, I should have noticed the charges, but I didn't. Along with everything else going on right now in our country, this is just one more example of how Wall St. trumps Main St.