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User Journal

Journal: Obamacare to the rescue...not! 1

Journal by tompaulco

Well, my employer decided to let me go , so after all these years of paying into the system, I figured the system owes me a little something back now. So I went in and put in all my information into healthcare.gov. Turns out I am not eligible for assistance, and the premiums are going to comprise 47% of the income from my wife's job. According to the information I read, assistance is only available for those that make between 100% and 400% of the poverty level, and we make less than 100% of the poverty level, so we are not eligible for assistance, nor are we eligible for tax credits.

Interestingly enough, we previously made between 100% and 400% of the poverty level, but we also were not eligible for assistance or tax credits back then either.

I can only conclude that nobody is eligible and all of the extra money that is being taken by various avenues to pay for Obamacare is being stolen by someone or many someones rather than being doled back out to those in need.

User Journal

Journal: Tricked into creating a Steam account 3

Journal by tompaulco

I never steal media, and I don't like to download media either. I want to own my content, including the shiny disc that it came on. I don't want my software phoning home someday and due to some issue, like the company going belly-up, I suddenly can't play my game that I fully paid for.

But I saw a deal on Steam that seemed too good to pass up. There was a Tropico 4 Collectors Bundle with about 12 different downloads, all for $9.99. I already have Tropico 4, bought and paid for at my local Best Buy. And I have played through all the scenarios, so the downloadable content would be a nice change of pace. This seemed a reasonable price for 12 packages, so I went through the hassle of creating a steam account, verifying my identity, typing in all my payment information, telling them not to save it, and then, here comes the final payment page. $39.99. Excuse me? You lure people in by saying it costs, $9.99, and then on the final page, you say $39.99, with a little asterisk saying (some items have changed price since place in your cart)? Well, that seems unconscionably underhanded and slimy.

When I go back to the main page, it now shows $39.99 for the bundle. How do they do this, I wonder? Do they record it by IP address and present the lower price to people who have not looked at it before? Or do they just offer it for the lower price and as soon as someone tries to buy it, they up the price for everybody? It seems to come up as $39.99 for all my devices now, but they are all on the same cable modem, so they may appear to the outside to be coming from the same address.

Well, I have learned my lesson. Never trust a downloadable software company. Always buy a physical disc installation media.

User Journal

Journal: healthcare.gov still unusable

Journal by tompaulco

Well, after spending thousands of dollars worth of my time last year in getting healthcare setup for my family, I was notified that my premium, which had gone up by 50% last year when I signed up for ObamaCare, has gone up by 50% again.
So I tried to login using my password from last year, but it wouldn't take it. Apparently they think it is a good idea to expire passwords every 90 days for a site that people will use once a year.
So I had them send me a link to create a new password. Well, I still can't get in. It says I didn't answer the security questions correctly that I set up when I started the account. Well, that would be because I didn't set up any security questions when I started the account, so naturally I woulnd't know the answers. Also, one of the questions is "name a significant date in your life?" Well, it won't take dates as input.
So off to another year of spending thousands of dollars worth of my time just to get into this site, where they will probably show me that my current option which is now three times what I paid 14 months ago, is probably the lowest cost option now. Strangely my salary has not risen by a factor of three to keep up with the increase of Obamacare premiums. Why can't we go back to the cheap coverage that I had before Obama started this fundraiser for the insurance companies?

User Journal

Journal: Windows 8 is unusable 6

Journal by tompaulco

I knew the metro interface was going to suck on Windows 8 machines, but I hadn't realized that you can't effectively turn it off and use the computer as though it were not a cell phone or table.
Today I got a new laptop for a contracting project and the laptop is Windows 8. I have discovered that it is absolutely unusable. While trying to navigate to something on the desktop, other applications will just randomly come up and take over the screen. There is some stupid widget that comes up and says "slide to switch apps", which will not go away and hides items behind it. If you try to reboot the computer, it just says "Getting Windows ready Don't turn off your computer" and doesn't actually restart for about 20 minutes.
It is pretty obvious to me that this OS is completely unusable except as a tablet or phone OS and probably not even then.

User Journal

Journal: !@#&^$&*!@^$ ObamaCARE!!! 8

Journal by tompaulco

Holy mother of GOD!! Why did my insurance premium go up by a multiple of 3.5 in only one month? I have private major medical insurance and it has already jumped up by over 300% in the previous two years, but now it has gone up another 450% for a total change of over 800%. That's right, my premium is 9 times what it was just 3 years ago. I have had no major claims. And, of course, it being major medical, they didn't pay a dime out of pocket. I paid it all. I didn't get anywhere near the deductible. Yet my premium has skyrocketed. Coincidentally, this is right after Obamacare is enacted. i wonder if there is any correlation? What do all of those Pro Obama people think now? I hope they can afford to pay for me to go to the emergency room on their dime because I am dropping insurance and paying the fine. I can't afford to pay the Obamacare Premium.
My premiums alone on this plan are 1.5 times the maximum outlay for premiums and deductible that Obama says we would ever possibly have to say. If I include the deductible, it will be over 300% of the maximum out-of-pocket that Obama says I would ever have to pay.

User Journal

Journal: Took the bait again

Journal by tompaulco

Once again, I have shown myself for a sucker when it comes to online paying of bills. Every time I think I will learn my lesson, but I don't. Everybody says how much more convenient it is to do online bills, and how writing checks is a thing of the past. But every time I go to do a bill online it takes far longer than it would have to just write a check and drop it in the mailbox.
I fell for the trick again today. I noticed that my utility company said I could pay the water bill online. So I went to the web site, navigated around for a minute or two until I found the right place and then clicked "Pay Bill". Oh, well first I have to set up an online account. OK, so spend a few minutes doing that. Now, let's pay the bill. Oh no, I have to wait for my e-mail with the link I have to click on in order to open the account. OK, so wait a few minutes for that. Click the link, log in. Oh, wait, they don't have my utility bill account associated with my online account. I have to associate them myself. Oh, and what is this? They need my last paid amount. OK, spend a few minutes hunting that down. Now, finally, we are ready to pay the bill. Hmm, the only option is by credit card, no checking account debits. All right, let's use American Express. Oh, wait, they don't take American Express. Okay, I guess I will use my Checking Account Debit card. Spend a few minutes filling out that information, and click "Pay Bill". Okay, another payment summary screen pops up. I have to click "Pay Bill" again. Oh, crap, but wait, I didn't linger long enough to see that they are charging me $1.50 paying online fee! Crap, can't back out now. They've already done the transaction.
So, after you have spent half an hour navigating their website, setting up accounts, linking accounts, figuring out your last paid amount, entering info for a card you don't want to use, THEN is when they are going to tell you that there is an extra fee for using this service which is cheaper for them to maintain then somebody handling the mail?
Well, they can look forward to my check next month. It'll be in the mail.

User Journal

Journal: Getting tired of misdirected mail

Journal by tompaulco

My postal carrier is incredibly lazy. We are the last house on the route, and whatever he has left over gets put in our mailbox, whether it is addressed to us or not. Today, he put one in that was for one block further south. I guess he didn't want to turn around and go back. Earlier this week we got one for a different house number AND a different street, several blocks over.
This is on top of the fact that whenever we get a package, he sticks a "sorry we missed you" card in the mailbox which directs us to a delivery center 7 miles away. It doesn't matter if we are home, he doesn't come to the door to check, just puts the note in the mailbox.
I have a real hard time justifying their constantly increasing stamp prices for the downward spiraling service that they are providing.

User Journal

Journal: Cable modem bandwidth caps?

Journal by tompaulco

Today I got an e-mail from Cox communication saying that I had exceeded my bandwidth cap of 250 GB on my internet plan. Well, this is a complete shock to me. I am not aware of any bandwidth limit on my internet plan. It's not like it's a phone where bandwidth is expensive (and unlimited on my plan).
So, I am only about halfway through the billing period, which I guess means that I have used 250 GB in about 11 days. That is pretty heavy, I must admit. Especially since I am only a casual user of internet at home. We don't do hulu, or netflicks or anything like that. My girls are home from school for the summer, and they play minecraft and watch youtube and play flash games, but I would think it would be hard to use that much bandwidth on those.
So cox directed me to a site where I could monitor the bandwidth usage. I went there and it asked for my login. I don't have a login to my knowledge, so I tried to register. It told me I already had a login, so I asked it to look up my login. After verifying all of my information, it asked me to call customer service. Well, screw that. It sounds like they have assigned me a userID and didn't tell me what it was, so I am not going to waste my time waiting on hold for them.

User Journal

Journal: Sony losing points

Journal by tompaulco

Well, after all my defending Sony throughout the Playstation Network debacle, they are now trying to make an enemy of me. They offered me two free games from a list of about 10 as recompense for the inconvenience. However, when I go to try to collect on the offer, they say it is no longer a valid offer.


Journal: Why are used cars so expensive? 1

Journal by tompaulco
I am in the unenviable position of having to find a suitable car for my 16 year old stepson. Naturally, new cars are out of the question, because there aren't any in the price range that a new driver ought to be driving (approximately $1500 to $2000 in my opinion). So I started looking at used cars. However, there also aren't any used cars in that price range that actually run and aren't falling apart. My first car, 20 years ago, cost about $1200 and it ran and it was only falling apart a little. Also, that car was really only worth about $700. I figure if inflation has doubled in the last 20 years, and it hasn't, then I should be able to get a comparable car for about twice what that one was worth, or about $1400. However, it seems that an eight year old car with 100,000 miles on it these days still costs about 5,000. A lady at work was thinking of selling her 2002 Honda Civic with 72000 miles on it. I figured she might get $5,000 retail for it and I might be able to get it for $3,000. But no, according to Kelly Blue book, this car retails for almost $10,000, and trade-in is almost $6,000. This is a car that was probably released in 2001 and is therefore 8 years old, and has close to 100,000 miles on it. another 28,000 miles and you wouldn't be able to get a loan on it, but the dealers want $10,000 for it. It was only $13,000 brand new. How is it that a car can loose half it's value when it drives off the showroom floor, and then 8 years later still cost 80% of it's original value?
Where does one go to find reliable transportation at prices befitting the fact that the person driving it is almost certainly going to wreck it within the next two years?

Journal: Employer wants to invade my privacy

Journal by tompaulco
Let's preface this with the fact that I am not so happy about my job anyway. But I have been doing it, and doing it well, and trying not to whine too much about it. However, a couple of days ago they sent out a form that everyone is required to sign indicating that they agree to their information being put into a "treasury folder". This folder will contain Criminal History results, Consumer Credit results, Copy of Birth Certificate, Copy of state issued ID, Fingerprints, and other miscellaneous items.
It is probably not illegal for an employer to ask for any of these items, however, I feel that they hired me several years back without the stipulation that I give them this right to invade my privacy, so what need do they have to invade my privacy now? The thing is, they are being hypocritical. We deal with healthcare information, which I am happy to keep private in compliance with HIPAA, however, they want to keep our customers' data private while meanwhile digging through mine and sharing it with their customers. I don't agree to this.
So I am left in a quandary. I can't sign the agreement saying that I agree with it, because that would be committing perjury. However, if I don't sign it, they probably will fire me. This is an at-will state, so they can do that. I don't think it should be legal for an employer to demand your private, non-company related information and fire you if you choose not to comply.
Unfortunately, at this stage in my life, I do need the job. I have kids, and my other income sources do not generate enough to keep me above water without this job. However, every year I get a little more independent, and a little more likely to tell them to bite me when they come up with stuff like this.
The good news is I have an interview in about 1 minute with another company. Hopefully it will go well, and I can tell my company I do not wish to sign their paper and see how it goes.
More good news is that I talked with some other people who were wary about it, but were going to sign it because they thought they were the only one with concerns. Now I have about 5 people who aren't going to turn it in, so maybe our "union" can bring about some change.

Update 2008-09-08
Late last week I was brought in for "The Talk". Basically, I guess I am one of the last people who hasn't signed the paperwork allowing the company to investigate into areas of my life that they have no business investigating or keeping records on. I was told by the company lawyer that I would be terminated if I did not allow them to probe into my finances, credit history, and other personal information. I found some information in their documentation which said that after they fingerprinted me, this information would be turned over to the state law authorities as well. I told them that I absolutely disagreed with this procedure. Unfortunately, it was either sign the documents or be terminated. They also had language in there that said that if we refused to sign this stuff and were terminated then we would be considered to have "quit" and would not be eligible for unemployment. So they were pretty much strong arming me. So I ended up signing the documents because I have no other job to jump to at the moment, but I did verbally indicate to them that I was signing the documents indicating that I agreed, but that I did not agree and was only signing under duress. Also, I am writing this missive as further proof of my disagreement to their terms.
User Journal

Journal: USPS trying to lose customers 5

Journal by tompaulco
Long lines at the Post Office have long been a problem, but today I was reminded of the issue once again, and it got me to thinking. The USPS keeps raising rates to cover costs on the one hand, but on the other hand they are trying as hard as they can to lose customers and thus the economies of scale. Today I went in to the local Post Office and there were 8 people in line and 1 clerk. I just turned around and left because I don't have 45 minutes to wait around. Another person in the line also left while I was standing there. The problem is, what is the alternative? If you have packages, you can go to FedEx, UPS etc., but the USPS has a government enforced monopoly on first class mail. I think it is time to break that monopoly and make the USPS compete.
User Journal

Journal: I got to do something interesting... 1

Journal by tompaulco
It is not very often that I actually get to do something interesting at work. Once upon a time I used to do interesting and challenging work all the time. That was back when I worked on database administration and data warehousing. I used to have to come up with software solutions for business challenges. But for the last five years I have spent all my time coming up with solutions for software challenges. All of the software that I have had to use in previous years has been poorly designed, buggy, and basically not ready for release to the real world. So I spend all of my time coding around bugs that the vendor's won't fix, creating functionality via APIs that ought to be in the base product, and of course, spending huge amounts of time in meetings fighting with the vendors about their crappy products. I spend less than 5% of my time actually using the software to meet our business challenges.
I did finally do something interesting yesterday, although it was still an end run around a roadblock put up by our vendor. Basically we have been fighting with them for about 6 years on the fact that they don't provide us sufficient information on who is keying the batches in their product. Their "keying information" consists of the start and stop time and the keyer name of the last session spent on a batch of work. If one keyer does not finish the batch and another keyer picks it up, the start time gets overwritten and the keyer name gets overwritten, instead of another audit record being written. For six years, the vendor refused to fix this. So yesterday, I sat down and started writing code to write database entries every time the keyers changed any of the data. It was only a few hours work to create a solution that will give us all the information we need, and I still need to put together some queries to wrap this up into a report, but this is by far the most interesting thing I have done at work recently (pretty sad, I guess).
This just reinforces my recent thinking that my real calling in professional life is databases and datawarehousing. It is the only type of work I have ever done that gave me a sense of fulfillment. It was also something that I was very, very good at, as any number of former supervisors will attest. I wish I could find a job doing that sort of work again.
User Journal

Journal: Mixed feelings on Redbox

Journal by tompaulco
Redbox is an interesting new idea in video rentals where you pay $1 plus tax each night. After 25 nights (and 25 dollars), you can keep the movie. You can rent the video from any kiosk that has it and return it to any kiosk you want. They don't have a store, so costs are low, but they have limited space, so selections are basically new releases only. The thing I like is that you can view selections online and determine what is available at different kiosks. This comes in handy for those of us who would rather sit in air conditioned comfort and browse movies from multiple locations rather than stand out in the heat and browse that particular kiosks selections. In fact, it is really pretty stupid if you are looking for a particular movie to take your chances that it is actually at the kiosk you happen to go to. However, lots of people are pretty stupid, particularly the ones that rent at the McDonald's locations.
One big drawback of the Redbox system is that each Kiosk only has one monitor and so even if you have efficiently made your selection online, or even if you simply want to return a movie, you could end up sitting in line behind someone desperately seeking a movie that is not in the machine through the somewhat slow movie selection screens. This seems to happen without fail at the McDonald's locations and has never happened to me in a supermarket location.
For this reason, I highly recommend that anyone looking to rent from Redbox choose their selections online, and then, even if they have to go out of the way, choose to pick them up from a location in a supermarket rather than one at a McDonalds. I also recommend to drop your movies off at any location other than a McDonald's, so you similarly don't have to stand in line.
A particularly bad example of this happened yesterday. I arranged my rental online as usual. Because there were no other locations that had the movie I wanted to see, I had to pick up at a McDonald's location. When I arrived, there was on lady at the machine already as I pulled in the lot. There were no spots near the redbox except for a handicapped spot, so I had to park about 30 feet away. While, in the process of pulling in to the spot and walking back to the machine, a lady parked in the handicapped spot (she did not have a sticker) and got in line behind the lady who was already there. After about five minutes the first lady was done, and the second lady started her transaction. She rented 6 movies. She looked at me coyly and said "movie night". I found myself unable to share her smile. Partly because it was 95 degrees and she had cut in front of me by parking in an illegal manner, and was delaying my 20 second transaction with her 15 minutes of browsing which any intelligent person would have done online.
All in all, though, Redbox has stopped me from using Blockbuster, where a one night rental is still $6. Maybe they will try the kiosk idea too. They actually have enough locations where they could just make an automated station and probably cut down on full time personnel.
Redbox's system is not flawless, however. Once I returned two movies, and they charged me a full $25 for each of the two movies that I had returned. I called their customer support and they were unable to find the tracking numbers for the movie and would not issue a refund. I found this very frustrating. After all, I may have even been interested in buying the particular movies, but probably wouldn't have paid $25 for them, maybe $15, definitely $10. But I had paid $25 and they said I owned them, but I didn't have them. Major suckitude. Luckily that is the only time that has happened so far, and I have mostly been able to enjoy first run movies for an average price of probably about $2.50 each, and the average falls each time I get to watch one for $1 and they don't try to charge me full price.

"All my life I wanted to be someone; I guess I should have been more specific." -- Jane Wagner