Tag: Modern Problems

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Microsoft, you’re not the only game in town…

I had not meant to get into this today. Unfortunately there was this huge rabbit hole and I couldn’t resist.

It all started out with me making phone calls. I contacted the mortgage folks, which led to them helping me get things set up on their website. Hopefully this will make my interactions a touch easier.

This started because I was looking at my bank account and noticed over the last 2 months the mortgage payment had risen by about 100 bucks.

It turns out this rise is due to two events. One was a change in the way that tax escrow account is handled. The second is our crack feds raising the interest rates. The mortgage folks were very nice and efficient in explaining what’s going on. This is seriously different from the way they treated me when they purchased the mortgage from JP Morgan Chase.

When it came to setting up the web access, that too was efficient and gave me access to a ton of unread documents.

Then I continued the search for someone to inspect the fire suppression systems Backflow valves. This is one of those things that has always annoyed me. The Country and the Water company demand this be done, but offer no help in terms of who to call.

I’ve been striking out on this one for a week.

Anyway I logged onto the Microsoft website to downgrade my Office 365 subscription from a family plan to a personal plan.

Unfortunately, there is no way to do that from their web page. I put a call in to them. The lady who tried to help had some difficulty, (caused by me,) I still had a credit card on the account that I’d actually closed. I didn’t realize it because the number was familiar and the account closure is pretty recent.

When I realized the problem I told the lady.

She told me to enter the new card information on the Microsoft website (Which I did,) then I made the new card the primary and deleted the incorrect card.

When the lady tried to downgrade the subscription, Microsoft’s Systems started rejecting the change. This meant that I’d have to go to a higher level support person who would have to call me back.

“Okay,” I said.

A few minutes later my email chimes, and now Microsoft wants me to type my name, the last 4 digits of the card to be used, the case number and something else into a blank document which is then to be screenshotted and the screen shot is to be uploaded to Microsoft on some weird link.

WHY?

The lady calls me back but has no explanation about why we’re doing this screenshot thing. I point out that they already have the data, but apparently this is the process to speak to a higher level person.

It’s at this point that I tell the lady that I’m considering cancelling the service entirely. I point out that none of this is her fault, but it is the fault of Microsoft who if I recall correctly is a software company and should therefore be bound by rules of logic.

Further I point out that none of this would be necessary if Microsoft provided a mechanism for me (the customer,) to be able to select one each, of the two plans offered for the service I’m attempting to purchase. Instead Microsoft only allows the customer to select the plan they’ve already got.

I tell her that this shouldn’t be such a pain and that the alternative is to simply cancel the subscription, especially since I have applications that are smaller in terms of storage, which work as well or better than the Microsoft versions.

This stuns her. Poor Indian lady, (dot not feather) that she was, this must have blown her mind. The poor dear was probably in Bangalore or Delhi.

I tell her that I’m going to think about proceeding with this renewal process. I hang up the phone.

I did think about it…

I’ve canceled the subscription.

Then I thought about it further, and have deleted my Microsoft account in it’s entirety. Apparently this doesn’t include deleting LinkedIn. Hmm maybe that is next! I could do without another social media service.

During the process, Microsoft went to great lengths on their website to tell me just what all I’d be losing. Including some of the Xbox games that I may have purchased. Hmm, there’s a reason to buy a PlayStation for myself at Christmas! The upshot is I lose access to all sorts of stuff that a) I never used, and b) represent additional access points for hackers to potentially do nasty stuff.

Over the past few months I’ve been getting intermittent notifications from Microsoft saying that my Outlook account was being accessed from Moscow. Well that’s not a problem anymore! There is no Outlook account.

I’m sure that I forgot to update contact email addresses at a couple of companies but lets see if I miss whatever notifications they were sending me. I had no problem flushing ZipRecruiter though. They couldn’t handle me changing the login email address and also uploading an updated resume. Honestly, I’ve found ZipRecruiter to be completely useless.

There are a couple other businesses that I traded with who can’t handle changing the login email address. I’m weighing very carefully if I need to continue to trade with them.

Microsoft assured me that my account would be recoverable for 60 days, but they’ve already screwed around with the subscription to Office 365. The outlook mail account is throwing errors about passwords and such.

I’ve just deleted the Outlook account from my iPad and phone. I’ll check the access on the computer and if it’s screwed up too, I’ll delete it there as well. I’m kinda happy right at the moment. I can delete ALL the Microsoft related passwords from my systems without concern.

All they had to do was let me save $30 a year… But Nooooo! They had to make things annoying and difficult. So now I’ll go on without them, OR just to piss them off I’ll download the same applications from the Apple App Store, use the in app purchase model, and force Microsoft to Pay Apple!

Ain’t I a fucker?

Jeez, Microsoft, (and Apple) have gotten too big for their britches. Both of them are forgetting, or have forgotten, that they’re dependent on customer good will to survive.

Eventually, there will be enough people like me who are tired of being screwed with.

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Wow! That was more difficult than I thought it would be.

I’ve been thinking about buying a pair of nice bluetooth over the ear headphones.

I’ve got a set of AirPod Pros 2nd Gen and while I like them very much, I don’t like that my ears get annoyed with me if I wear them for more than a couple of hours at a time.

Were it not for that, I’d have them in all the time.

It would be so much easier than listening to the crazy lady screaming about whatever she screams about, or hearing her fella, yelling at the yappy dogs, while grinding away on some piece of metal, driving or “Fixing” a vehicle that’s on it’s last legs.

What he needs to do, is stay out from under the hoods of the various vehicles he’s destroyed (5? I think at last count,) and leave it to a professional. His version of a properly running engine is very different from mine! 3 of 8 cylinders firing, punctuated by 5 consecutive backfires is not proper operation! There’s also the thrilling sound of him running a chain saw at 10 PM. I’m not kidding, I’ll turn the lights off and he’ll start the chainsaw. That motor is also on it’s last legs! One can only hope that when It dies we’ll be spared the restful sounds of him cutting whatever he’s cutting.

Don’t ask…

All I can say is this used to be a quiet neighborhood. This is what happens when you let riff raff move into nice places!

I’ve been in hollers in Tennessee, and Kentucky where folks were dirt poor, and not school educated but they weren’t this kind of white gutter trash.

It’s funny in a way, California can’t even do white trash or rednecks right.

You can see why I might be looking for noise cancelling headphones, that are comfortable in the long term.

There are literally times when I can’t watch TV in my living room due to the noise coming from that white trash. I like having the windows open this time of year, I like the fresh mountain air (even when it is full of pollen).

So I’m faced with, turning up the volume to unbearable levels, closing the windows, not bothering to try to live my life and watch a movie or TV show in my house, or a set of headphones.

I know there are those of you saying, “Why don’t you call the police?”

Hahahahahaha! Where the hell have you people been living? Police? Helpful? Responding to a noise complaint? The police can’t even arrest and hold her for more than 8 hours after she assaults someone. Which she’s done 3 more times since she assaulted me last year.

BTW, if I lived in one of those “Fly Over” redneck places… Let’s just say this whole thing wouldn’t be a problem. Folks go missing in hollers all the time…

I digress, I was considering the Apple AirPods Max. They’re expensive! But I can also buy them from Costco and save $70. I saved $50 on my AirPod Pros at Costco. My concern there is that the Max is generation one and come fall Apple may be releasing a replacement version.

This led me down a rabbit hole of reviews and firmware versions for both the AirPod Max and my AirPod Pros. That’s when I discovered something interesting and strange. I did a search for “Latest AirPod Pro Gen 2 Firmware” then I got articles from last year through this year. I told the browser to limit the results to only this year. You’d think that would narrow your search but oddly it didn’t by much.

I was still seeing articles listing last years firmware as current and it was clear from context, the article had been written last year but the date was today’s date. I looked at several similar articles thinking perhaps there was a current update but there wasn’t.

There was however a shit ton (Technical Term) of ads.

Then it dawned on me, these outdated articles are monkeying with the dates to appear current so they can serve these shitty ads.

This reduces the usefulness of the internet and honestly makes me discount the validity or accuracy of publications MacWorld and 9 to 5 Mac I’m looking right at you!

It occurs to me that because of folks doing stuff like this to keep serving the same 5 ads over and over again, overall the internet is becoming less useful all the time. If the filtering doesn’t work, then the user is faced with a wave of outdated and current information with no ability to determine what is real, and what is useless.

Imagine writing an article about Trump when he was President, packing that article with shitty ads, then updating the date.

A query like “Who is President of the United States” could return Trump, Biden, Obama and Bush. How would someone know? If they had to turn on the TV to figure out who the president is, then the internet would be kind of useless.

All this ad crap and targeted marketing was a bad idea to begin with, and it’s only gotten worse.

I come again to a question I’ve asked myself a lot over the past few years.

“Is the internet’s usefulness eclipsed by having to filter through all the crap to get valid information?”

I’m really wondering. I guess I’ll know when I see an article saying, “Australian farmers pig has piglets with wings, Farmer Stunned!” I’d bet that at least 25% of folks on the internet would read the article, and a lot of them would believe it.

I fell for one the other night, some bullshit about a mystery in some dudes backyard. It was written like some reality show script. A paragraph that said essentially nothing, then a commercial, and another paragraph then commercial. It went on and on, but it was putting ads in front of everyone that was curious late at night.

Spoiler Alert: The guy bought a house built in the late 50s, the “Mystery” was that someone who owned the house had put in a fallout shelter. Over time, other owners had added soil and landscaping that buried the hatch. Then the shelter had gotten forgotten about except as a dim rumor. The guy found the original blueprints at the county records office and decided to investigate. The shelter was in pretty good shape so the guy renovated the space. It was pretty cool. The article could have covered everything in maybe 4 well written paragraphs with photos. Instead they took almost 100 paragraphs all of which were poorly written.

I finally went to Apple for the answer. I’d not gone to them in the first place because often asking a simple question in Apple’s support section, does not provide a single Byte of data. You’re still going to have to sort through a ton data that’s not relevant.

By the way, as of 6/28/2023 the current AirPod Pro Gen 2 firmware is 5E135.

I still haven’t decided if I’m going to drop the hammer on headphones…

This is how I lose entire days…

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Credit Scores are Bullshit

Through my bank there is a portal to the Transunion Credit Bureau.

I sometimes look at the score, although it no longer has the meaning to me that it once did.

At one time I worked very hard to have a good rating. Then around 2008 or so, overnight my A+ credit rating simply disappeared.

I didn’t miss a payment, I didn’t open a ton of new credit, in fact I had done nothing.

What happened was a “Correction” because the banks suddenly realized that they had written a shit ton of bad loans and they were covering their asses, begging for money from the taxpayers, and in short screwing everyone by downgrading all of our credit even though there were a ton of people like myself who’d not used our homes like piggy banks and gone on spending sprees.

That day I realized that the whole credit score thing was bogus. Since then I’ve had a “whatever” attitude about it because the banks and the system can fuck us all anytime they want to. The recent bank failures are reminders of that.

This morning I was looking at my accounts, making sure that the bills were scheduled to be paid, and thought, “eh, it’s here and free, let me click on this just to look.”

I did, and my credit score is respectable, it’s not what it once was thanks to that morning in 2008 but it’s okay. At least I’m not obsessing over it like I was back then. As I was looking at the data on the web page, a comment jumped out at me and my brain rebooted.

“Having a low debt balance relative to your available credit signals to lenders you’re more likely to make on-time payments.”

That used to be called a debt ratio, it had nothing to do with on-time payments (they were a factor,) it was a measure of how much you owed versus your income, and real possessions. This was used to determine credit worthiness and your ability to repay the amount that you’d borrowed.

I know in this day and age when college loans are supposed to be paid by the tax payers and no-one is responsible for anything they’ve done, old ideas like repaying the loans you’ve taken out are passé. But there was a time when you could get into real trouble with credit and you only had two choices, get a better paying job, or bankruptcy.

What should signal to lenders you’re more likely to make on-time payments is actually right there on the same web page.

It Looks something like this:

Open Accounts – 5
Total Late Payments – 0
Accounts in Collections – 0
Inquiries (last 2 years) – 0
Age of Credit – 35 Years

Factor this data with the real assets I have, (equity – how much of my home loan I’ve paid off and current value of my home, for example,) plus my income, and a financial person should be able to determine if I’m able to reasonably take on additional debt or NOT.

You also have to factor in the cost of the loan. High interest rates for example can really screw your ability to pay the loan off. For reference see Debt Ceiling!

I learned this over time, the hard way. I wouldn’t take on additional debt right now because I’m a little close to my personal discomfort zone.

The way things are, I wouldn’t get the kind of favorable interest rate I’d want, so taking on additional debt is out of the question. I know this because I have a handle on my finances. The credit bureau isn’t telling me anything new.

Laughably, the bank and credit bureau would still give me a shit ton of credit which would be more likely to push me as an individual into default.

Financial institutions are supposed to be about profit and part of the way they do that is through responsible lending. Ideally a financial institution should be concerned enough about their customers that they take the time to explain why a customer should or shouldn’t take out a loan and that the customer understands the risks.

While foreclosing on real property does make the bank money it’s a pain in the butt. Unsecured credit such as that associated with credit cards is a losing proposition, if the bank allows a customer to over extend themselves.

Why loan someone a bunch of money you’re never going to get back?

That makes no sense unless the banks are inflating their losses then billing the FDIC somehow.

With interest rates increasing the way they have I’m betting there are going to be a lot of bankruptcies in the next few years. I’ve got some credit cards that are suddenly at 18%. I haven’t seen those interest rates since the 1980’s.

There’s a part of me that says pay off the credit cards and close those accounts. Logically you’d think that would be the wisest path because it limits your liability. But doing that would reduce your credit score.

That’s another part of the Scam. They force you to keep accounts open but unused because it inflates the arbitrarily calculated number.

I understand mostly how this works. I understand that the numbers are supposed to equalize us all and allow computers to make approve or deny decisions. I just have no faith in the numbers or how they’re created.

I suppose that why the noise over the debt ceiling makes no sense to me.

I’ve completely lost faith in the credit score system. Credit Scores are bullshit and have been for at least a decade.