Friday, June 24, 2011

Local Govt's to Secondary Lenders: Cough Up What You Owe

(Via Naked Capitalism)

Remember that whole MERS thing? Y'know the one where big lenders are too impatient and cheap to follow local laws about title transfer - so they make up a shell corporation so they can ignore the law?

Well, local govt's smell money they're owed - and they're suing.

“Defendants have not paid the Transfer Tax because they have claimed on the face of the documents they have recorded that the transaction is exempt from the Transfer Tax. They sometimes claim the transaction is exempt because they are government entities and, under Michigan statute, government entities are exempt. Other times they claim they are exempt pursuant to federal statute.
“Neither claimed exemption applies. Defendants are federally chartered private corporations and not government entities. Defendants’ federal law exemption from certain taxes does not include the Transfer Tax.”
Give 'em hell, folks. There's money in them thar hills!!

Thursday, June 23, 2011

What's Missing?

Eli Pariser wants you to know that personalized content = a reality filter that you probably don't control, or even notice.



(H/t E)

Monday, June 20, 2011

We Didn’t Move The Paper. No One Moved The Paper.

If what you say is true, we’re f*cked. We didn’t move the paper. No one moved the paper.

So sayeth the head of one of the major subprime loan originators - speaking about the legal consequences of his industry not moving the paper - the mortgages and assigned notes - in the way that current law requires.

Hardly breaking news, but the fact is the "we're f*cked" scenario and its implications are a trillion dollar question writ large across the nation's residential mortgage market. What can be done to fix a situation that (on the face of it) appears to invalidate mortgages & their derived securities nationwide? Lenders like Countrywide appear to have held onto loan documents they were legally obligated to deliver to firms purchasing those loans.

The bonus round was banks presenting notes at time of foreclosure that were improperly endorsed - that is, they weren't signed over to the foreclosing party, yet were submitted by that party as evidence in support of a foreclosure proceeding. (emphasis added)
Although law enforcement should be able to answer the delivery question easily -- [Countrywide employee] DeMartini['s testimony] indicated that Bank of America has FedEx tracking records for each note -- it's impossible for the public to check. But the endorsement of notes is easy to test. In every foreclosure, the bank must give the court the note or an accurate copy of it. And those notes are either properly endorsed or they're not.

To check DeMartini's testimony, Fortune examined the foreclosures filed in two New York counties (Westchester and the Bronx) between 2006 and 2010. There were 130 cases where the Bank of New York (BK) was foreclosing on behalf of a Countrywide mortgage-backed security. In 104 of those cases, the loan was originally made by Countrywide; the other 26 were made by other banks and sold to Countrywide for securitization.

None of the 104 Countrywide loans were endorsed by Countrywide – they included only the original borrower's signature. Two-thirds of the loans made by other banks also lacked bank endorsements.

As numerous observers have pointed out, this is not a small thing, since -
  • who holds the note determines who can foreclose
  • who can (or can't) foreclose impacts whether or not a loan is secured or not; and
  • whether a loan is secured or not determines whether or not it has value if the borrower has defaulted.

Add to that the percentage of home borrowers in default (around 9%) and those who owe more than their house is worth (around 23%) and you have the recipe for a very big mess heading toward this nation's bankruptcy courts.

Which is not to say, wow look at this breaking bit of news - but more like. How the F*ck is this time bomb still ticking away?

Thank You For Proving Our Point So Effectively

(Via The Big Picture)

I can only repeat Barry's take on this.
The Most Awesome Movie Theater DO NOT TEXT Announcement Ever!

(Oh, and NSFW)

Friday, June 17, 2011

Vancouver Pride

Look ma, I'm all growed up!


The National News has the full reel of riot pictures.

Y'know, it's one thing to be an idiot, but it's quite another to be so proud of being an idiot.

Thursday, June 16, 2011

Crack Me Up

Conan O'Brien takes a page from Stephen Colbert and roasts Dartmouth with a brilliantly biting commencement address.




And for a follow up - here's Samuel L. Jackson delivering a forceful reading of the instant classic, Go the F*ck To Sleep:



(H/t E)

Tuesday, June 14, 2011

Lap. Appy

< Previous

Where Am I?

I'm in pain.

Ha, ha. Seriously...where am I?

I'm in the ER

Where's E?

She's on a boat in the Mediterranean

Where are the kids?

They're at MB's cookout. It ends in a few hours.

Will I make it back in time?

No. You're not going home tonight. They're going to be operating on you in about an hour.

I gotta call MB...

Damn right.



It's 5pm on a Sunday, and - in the race between pain meds and pain - pain is clearly pulling away. I call MB and level with him. "It's my appendix, I'm not going home until at least tomorrow. Can you get my kids?"

MB's all over it. His wife, K volunteers to take my kids home. They'll meet me to pick up my keys, get my car - and take my kids home. All things considered, I'm sure my kids will feel better sleeping in their own home.

I had a quick phone call with the kids to lay out what's going to happen. I tell them dad's going to have the same thing Madeline had. Little E wants to know if I'll have a scar. The Boy promises to be good.

Shortly afterwards, MB walks around the curtain and I'm giving him my keys. Jen's heading down from the cabin as backup. She'll head to my house and spell K.

Car is handled. Kids are handled through tomorrow.

I'm on the phone with Jen. She's inbound, should be arriving closer to 11pm. The surgical kickoff keeps moving back, but I'm on morphine - so I'm not tracking time anymore. The upshot I get is - she'll show up at the hospital at some time. Then she'll go over to my house and tap on the window until K lets her in.

MB and K have totally saved the day. All's I have to do is sit and wait.

Oh, and strip.

Because hospitals like that sort of thing. The orderly/nurse/guy-in-scrubs looks like Don Reese. Exactly the type you are comfortable disrobing for. Another guy in scrubs shows up and they get into a big discussion of what has to be done with my wedding band.
Another guy: It must come off.

Don Reese: I thought a single ring was okay.

Another guy: It must come off.

Don Reese: You'll need to run it up to the safe (subtext: you want it gone? Then it's your problem.)

Another guy: We can keep it with his clothes. (subtext: Nice try, but I'm willing to risk his stuff.)

Don Reese: That'll work (subtext: Neither of us does extra work? I like how you think.)
To my great shame, I'm more worried about my iPhone - It's going to be my lifeline for the next few days. I have bills to pay, work to notify, business time to track, and a bazillion other things that will require phone and internet. My phone disappears or (worse) gets dropped - and I'm useless and incommunicado.

Speaking of which, there's the matter of E.

My immediate reaction once I heard my diagnosis was Don't tell E. I have since gotten visceral reactions out of associates who believe this was unconscionable, unthinkable. How could you not tell your wife???!!!.

I mean, there's a certain amount of deception there, but really. I'm not in any dire peril - and there's F$%*-all she can do for me. And, if I know my wife, it would alter her behavior on a trip that'd she'd been looking forward to for months. The airlines had already lost her baggage, I'm thinking she doesn't need another distraction. Barring a freak occurrence in surgery - all that's going to happen is that I'm going to be laid up and logistically hosed for a few days. Like that's worth interrupting E's vacation for.

Besides, there's the not insignificant matter of international communication. They're on a boat. I could call and not get them, which means I'd get their voicemail. Which could (as has happened in the past) sit on a US server awaiting their phone's return before advertising its existence. You have a voicemail from...Two Weeks Ago. Then there's text. I've had international text take days. Or seconds. You never can tell. And this is not the kind of thing that summarizes well in 140 characters.
Hi hon. Don't worry, but I'm going in to have my appendix removed. Kids are fine. How are you?
No, that's suckage nobody needs. And distance makes any scenario worse.

I stuff my phone into the most secure and padded shorts pocket - then stuff them into the hefty bags the orderly gave me.

Belongings. Done.

I'm in one of those Godforsaken hospital robes, waiting for the inevitable.

I've been up for 36 hours and the pain is really starting to get to the jeezus-effing-christ stage - and the orderly's telling me it could be awhile.

I'm visited by the insurance person. The administrative person. The allergist. The person with still more forms. And somebody who claims to be my future surgeon. He looks like a skinny David Duchovny. He tells me that the CT wasn't as clear as all that - I might have any number of things (each more horrible than that last) but that he thinks it's most likely my appendix, he is obligated to tell me there is a small chance that I might have to have an appliance attached to my body for the rest of my life.

But he's pretty sure that won't happen. He just needed to tell me.

Because some lawyer thought it was necessary.


Once again, a bit of an aside here for people who think health care is analogous to other consumer goods. I came to this hospital because I could find it, and because I'd been here before. Were I the type to price shop for the only procedure I thought I would have - A CT scan - I could have spent an hour or so before deciding which of the three major hospitals in my area had the best deal on a CT. That is theoretically possible. Hospitals don't exactly have price lists and help lines for these things, but let's pretend I made calls and achieved a miraculous quintet, to wit:
  1. I reached actual human beings on the phone; who
  2. were helpful; and
  3. knowledgeable; and
  4. honest; and
  5. permitted to disclose what they know..
The odds would be against me, but I can't say that it would have been impossible. I could have shopped around for a good deal.

But what WOULD have been impossible was my shopping around to find the best price and service for an appendectomy. Because I had no idea what procedure I would need. No idea at all. Fix in your mind how hard it would be to get a personalized price quote for a known procedure like a CT from multiple providers. Then imagine what kind of mind-shattering complexity would be involved in getting a price quote from those same hospitals for the possible treatments associated with "male, persistent abdominal pain."

Good.
    Effing.
        Luck.




Back to the ER - I get shifted from one bed to one more mobile, and Another Guy returns to drive me up to surgery.

Game time.

I lumber onto the new, sportier bed. And Another Guy starts his Trekkie routine. Asks me if I want sublight or warp speed.

No. Really. That's what he asks me.

I opt for warp speed. Because it will get this over with sooner; and also - I like rainbows.

So, enter the clichéd, yet completely unavoidable sequence where a drug-addled field of vision cycles through a seemingly endless pattern:

Ceiling tile, light...

Just like the movies.

Tile, tile, tile, light. Tile, tile, tile, light...

And the occasional bump, that re-ignites abdominal fires I'd almost forgotten.

Another Guy apologizes for the first few bumps, then gives up as we plow over what could only be a gravel road with chuckholes.

Tile, tile, tile, light. Tile, tile, tile, light...Turrrrrrrrrrrn

The bed caroms off the back of an elevator.

AG's apologizing again.

I'm drugged, I can get away with anything.

Damn you, Sulu...

AG laughs, then bangs the bed off the wall a few more times before the doors close.

He hands me off to somebody I can't see and wishes me well. I'm wheeled into a wide room lit like a cathedral. It's focal point is another bed with skinny extensions so your arms can rest while sticking out sideways.

I think They killed Sean Penn on one of these things...

and then,

These are really, really good drugs.

I feel like cracking wise about Susan Sarandon - but the two masked men don't seem like they've been properly primed for humor.

There's some polite chit chat - and then -

Tile, tile, tile, light. Tile, tile, tile, light...

I'm in a room with two orderlies. They're loud and annoying - complaining about work as if there's nobody in the world here.

But I'm here.

They talk about how they need to move me to another bed, and they need a hand, and how typical it is that they can't find anyone to help.

So I sit and listen.

And they go on and on about how they hate this duty - and their shift - and how they might go about moving me to another bed without the help they need.

Another bed slaps up next to the one I'm on.

Some guy comes by, and these orderlies latch on to him "Hey! Give us a hand here!"

Some Guy apparently meets their qualifications for moving post-operative patients. He's in the vicinity.

Of all the people I met in the hospital, these two orderlies and Some Guy were the only people who truly pissed me off (And I'm including the lady who catheterized me).

Rolled me over, and dragged me over to a new bed like they were slinging a pork belly. I'm confident I made several unpleasant noises and yelled "Hey!" but I was completely ignored. Their griping went on without missing a beat. Because to them - I wasn't there.

But I was there.

Another Guy returns and I'm actually glad to hear him. Suddenly, Jen's there in the hallway, too. And I'm rattling off a standup routine like it ain't no thang. Because it's Jen. And Jen's always a good crowd.

I'm wheeled into some room. Jen and I make some small talk and she basically leaps onto the logistics grenade.

She'll go over to my house tonight and spell K, then hang out with the kids on Memorial Day.

Memorial Day... Damn... No cookout. And I'm sure to be on a liquid diet for the foreseeable. Double damn.

Jen's saying she's set through the next two days - so that's a ton off my mind. She wants contact info for L and I fire it off, they can confab and sort things far better than I can. Surgery's the first sleep I've had in 40 plus hours, and I'm sure I'm going to black out soon.

My kids are good for the next two days. My friends are awesome. My sister is awesome.

They hook me up to the CPAP machine and before the rush of air slams up my nose I hear my nurse chuckle while reading my chart.

Whazzat?

She laughs. "Apparently you had a 'horrible' appendicitis. Usually we don't editorialize."

I don't get it, so she shows me my chart, and there it is:


Well, good, I say. No sense doing things halfway.

A short time later, sleep does everyone a favor - and shuts me up.

Monday, June 13, 2011

Now It Can Be Told

Okay, with E back in the country and fully briefed – This post is now possible.



So, it’s the day after E goes to the Med (of course, United manages to lose their bags and delay them to the point that they all but miss out on Venice. Anytime anyone tells you how incredibly efficient private companies are – tell them to fly on an American Air Carrier.)

Anyways, I’m loving the idea of soaking up some serious dad time. Yes, it’s going to be non-stop, but the fact of the matter is, my morning commute won’t change a bit. I’ll just have to be creative about getting grocery runs in.

I begin with a Day of Yes. The kids are always asking to do things, and the typical parental response is “no.” No, you can’t play computer. No you can’t watch another movie. And so on. I get them a decent pancake breakfast to butter them up and declare that we’re going to get outside today. And we need to return some library books.

The Boy immediately responds with “Let’s walk to the library!” Normally, this would be a reflexive ‘no’, but this is the Day of Yes. “Okay, but we should pack some water and an umbrella, just in case.”

He’s out the door and halfway down the block with his sister before I manage to find a backpack. The library is two miles away, so this is a bit of a hoof for little E, but she gets her complaints out early in the first block and doesn’t look back. The Boy launches into a window game, where windows of different sizes are worth different points and soon he’s a bazillion points in the lead.

The day is muggy, but the temp is decent and soon we’re at the Library. I’ve been nursing a stomach bug for the past few days, so I find a chair to flop into. I fire up the iPhone to search for Newberry award winners and the kids begin a coloring jag that lasts for easily a half an hour. I find the books I want, the Boy makes his selections – and I get the replacement card I need. We’re out the door and hoofing it home. Great times.

Little E announces late in the walk that she needs a restroom and we’re doing a rapid job to the nearest restaurant, a microbrewery. I forgot that U is coming by to watch the FC Barcelona match, so we’re going to be joining things in progress (thank heavens for DVRs).

We make the microbrewery just in time to avoid unpleasantness – and I flirt with ordering something mild for my stomach (yogurt or something) before just taking the cure or kill approach and getting fish and chips.

We’re hoofing it back home to meet with U for the game, and I can tell the lunch choice was a bad one. No pain, just a dull, weighty sensation that tells me that my guts are not happy with me. So be it.

Home. We meet up with U – watch Barca beat on the Red Devils until the Red Devils fold (Suck it, Giggs!) and a good time is had by all.

U is back to his hotel and the kids and I have a mellow evening with easy prep leftovers and settle into our books. I read them The Tale of Despereaux, and the kids seem hooked when we stop around chapter 5.

They get to bed, I dust off my newly acquired WFRP stuff for a run through – and I reflect on the day.

Not bad, Dad. Sure, it’s only one day, but no screaming or snarling. We had a lot of fun, and we didn’t break the bank on silly stuff. I’m looking forward to Sunday – when we have a birthday party and a cookout to round things out. The Boy’s totally jazzed about playing with one of his buddies at the cookout.

About the time I finish a small run through (good God, does WFRP have lots of bits!) I realize it’s about midnight.

One full day of single dad-dom down, I turn in. My back is killing me, probably from the walk, so it takes about 30 minutes to find a good position to rest.

Right about the time that subsides, by gut starts to ache.

In the normal run of things, whatever it was would subside to the point where I could pass out and have in mend by the morning.

But it doesn’t. And it doesn’t feel like a normal stomach ache. It feels lower than that – and somehow more in the front. And it doesn’t quit.

By about 3 in the morning, after having tried walking around, distracting myself, and acetaminophen – I start theorizing. Had some bad fish? …Gas pains? I seriously consider leaving my two sleeping children in bed and driving to the pharmacy to get some medicine. (I had thoughtfully thrown out virtually all our meds for being past their exp dates, but did I replace them? NooOoOOoooo.)

I just can’t abide leaving the kids alone, and it’s three in the damn morning. So I’m stuck.

I go downstairs and read the intro to The Looming Tower to pass the time. Mostly I wait for the sun to come up. When it finally does, the morning routine serves as a decent distraction. Breakfast, clothes and shoes. I tell the kids we’re headed to the store to buy their friend a birthday present before the party. And get meds. Because the gut hasn’t let up once since 1am.

The kids prolong the departure in their usual way, so that we’re leaving the store almost right before it’s time to drive out to the birthday party. I pop the meds and enjoy a few moments of placebo relief before the pain is back.

It is becoming clear that whatever it is – is not going away with time or medication. I have visions of being at home, unable to drive, with two small children. Drama, I tell myself. And I pull into the party. It’s a gymnastic party, so the kids can get some jump around time. Something that makes bedtime sooOOooo much easier. I go to the observation lounge and the kids are clearly loving it.

I try and fail to find a comfortable chair/position. And there’s that voice in my head saying: It’s just you and two little kids. And you need to get this sorted out. Other parents are leaving their kids at the party, so I check in with the birthday girl’s mom and say, “I need to go to urgent care. I’ll be back in an hour unless they physically restrain me.” Birthday girl’s mom is about as unflappable a person as I’ve met. She’s like, “One way or another, we’ll work it out.”

I lumber off to urgent care. It’s about 1pm and I’ve been up since 6am yesterday. Oh, and my gut hurts. I start a timer on my phone to know when I need to get back. The folks at urgent care are very helpful. No solid answers, they’ll take some samples but the results will take time. I tell them I have to leave in twenty minutes and they get my cell number to call me. They offer no good theories, I’m still thinking I ate something that’s lodged in me in some painful way. I’m out the door with minutes to spare.

And I’m back at the party. The kids are having a grand old time. There’s cake and whip cream, and kids to goof off with, what’s not to love? I chat with BG’s uncle for awhile, and it’s time to go. I’ve got a little over an hour and a half before the cookout. It’s dawning on me that I’m not going to be feel like eating anything – which is a serious downer. Holiday weekend grill out and my stomach’s down for the count. Major suckage.

I go home. Mom’s asked me to help them chase down where their baggage disappeared to. I call United, and get the standard “You need to call Lufthansa, since they were the last air carrier on their itinerary.” I point out the bags were lost because United canceled the flight and re-routed them all over hell’s half acre. Eventually, the guy settles on giving me all the numbers and codes his system has on their bags, and I text them to mom and E.

It’s about 3pm when urgent care calls. They tell me that the results weren’t terribly conclusive. White blood cell count is up a little, but not enough where they’re thinking appendicitis (thank heavens), but that since I’m in constant pain, they’re thinking I should get a CT.

I’m like, Okay, when should we get that set up? Tomorrow’s a holiday…and-

Her response was immediate – “You should go to the ER. Today.”

This is the first moment that I realize things are really going south in a hurry.

I call the folks with the cookout and ask if they wouldn’t mind having my kids run around their cookout without me for a few hours. Being incredibly cool, they’re like “No problem.” They even invite me over early, before things start.

Between fatigue and pain – the day is starting to take on the quality of Ray Liotta’s last day of freedom in Goodfellas. The world is rushing into my head uncontrollably and I’m doing my best to ignore all but the essential details.

Drop. Kids. Off.

Get. To. ER.


If I may digress a bit here. I would like to point out something of interest to those who follow health care policy. As of this point in my day, I was actively seeking out a medical procedure. I became a consumer of health care. Yet I was in no way exhibiting behavior of a cost-conscious consumer. At no time did cost enter into my calculations. I have no knowledge of what a CT would, could, or should cost. I wanted to get to the closest ER I could find. As I have been to the local Catholic hospital’s ER in the past, I was sure I could find it. So I went there.


Thirty minutes later, I’m in an ER bed being compelled to drink four big glasses of stuff that was labeled barium, but was actually some other CT-necessitated liquid that tasted like instant lemonade. I’m on the iPhone keeping tabs with the kids and generally keeping folks in the loop.

And I wait, wince, and drink crappy CT-Lemonade. Soon enough, I’m being ritually stripped and fed through the CT machine. I felt removed from the entire experience, rather like inferring reality from a blurry penumbra. And this was without drugs.

Post CT, they give me drugs. A far too exuberant resident announces that every day on his rotation this week, somebody’s had an appendicitis. He’s saying odds are, it’s my appendix or a kidney stone. Kidney stone…. That’s the first time that possibility was raised and I decide it makes the most sense. I’ve had pain off and on for two weeks now (now that I think about it), and the pain seems low enough to be bladder related. Aw…hell. I get a text from Jen, and I give her the update.
Not to be dramatic, but I’m in the ER. Holiday weekend and I need to know what’s what. I’ll get a test and we’ll see what the deal is. Not an emergency, but I can’t wait and wonder with E gone.
Jen offers to come down from the cabin, and I tell her to hold off until I get the results of the CT. My money’s on kidney stone I tell her. Because that’s the one that will hurt more.

And shortly after I make that pronouncement, the resident comes back. “It’s an appendicitis.”

I’m drugged, so I come back with “You’re sure you’re not just going for the record?”

He laughs, “Nah. Your surgeon will be here in a few minutes.”

Like a series of punches, reality catches up with me. My wife is in the Mediterranean, my kids are at a friend’s house, and I’m in the ER being prepped for surgery.

And the only thing running through my dead tired, chemically-laced brain is:

After all these years - I still got it. A perfect sense of timing.

Thursday, June 09, 2011

Death To Wallets

Rewind to a couple of weeks ago.

I'm in a hardware store and the cashier is asking me if I'm a member of their rewards program.

I lie. "No"

Why do I do this? Because my hands are full. I've got my stuff under one arm and have my wallet out. The plastic rewards card is on my keychain.
If I say yes, I have to do something with my wallet and debit card, and then dig in my pocket. Then sift through my keychain and isolate the appropriate plastic card so it can be scanned.

Sure, not a huge hassle, but when we're talking about a $7 purchase of wood screws and glazing compound - it's hard to find motivation to bother.
Plus, the rewards plan isn't money off - it's points that accumulate over time to earn like $5 off. I think. All these plans are different in details.

But all of them have a similar process.

You trade hassle for a small reward that may or not be relevant or available to your purchase.



Now I'm at Borders, being asked the same question. I have their card as well. Mine's beat up as all hell, and sometimes doesn't scan. The backup plan at Borders is to give your email address to be credited with the purchase. A good backup, but also hassle. And Borders basic rewards plan gives you "Borders Bucks" that expire. How the hell do I know how many bucks I have? or when they'll expire? Oh, I know- I'll log into their website and do it because that's what I enjoy doing with my copious spare time. Logging into vendor's websites.

Gah.

Trading hassle for a small reward that may or not be relevant or available to your purchase - a reward that will go away if you don't use it.



Now I'm in a local hobby store. They also have a rewards program. You get points or something. And games at hobby stores cost respectable amounts of money, so I'm motivated to find my card. And it is an actual card, not on my keychain. As I use it practically never it's not in the limited number of ready access slots in my wallet.

It's buried, or at home. There are people behind me, so after a minute or two of looking for it I give up and just say "forget it." The merchant writes a note on the receipt so that if I find it later, I can get credit for the purchase.

Now I have to keep the receipt. Keeping is easy - it will instantly become buried in the sheaf of tattered paper bits I keep in my wallet. Ostensibly this is "organizing" but really it's just merging with garbage I carry around until I lose my patience and pitch it en masse. And I'll be out the loyalty reward.


So what's the point of all this? Rewards programs are great, but require the user to carry around a stack of cards AND dig them out at the right time AND keep track of what benefits are available to them at a given time AND when they expire.

Also, and I say this all the time - Paper receipts are stupid.

Much as the Apple store stuff annoys me - they have one thing right - they email you the receipt.

I've said over and over that a million dollar idea would be for somebody to consolidate the rewards interface - get the merchants to standardize on a common fob so the user only had one thing to carry around and manage.

I was thinking small - and clearly brighter minds have been working on this, but here's a great leap forward for individual commercial transactions.

Buying things with your cell phone.

Yes, well *duh* - but the mere transfer of money isn't what I getting at. This video shows Google Wallet looking like it’s about to kick Apple's transactional butt unless they get it in gear.

Google Wallet's using Near Field Communication to exchange payment and authentication data with a merchant's receiver. Which is plenty awesome right out of the gate.
Google Wallet stores your credit card info so your phone becomes your credit cards. Less crap in wallet. Hell, less reason to even have a wallet.



But this is the tip of the iceberg as far as I'm concerned. Because think of the plug in app potential here. Every damn vendor with a reward program can now offer an app that coattails on any transaction your phone kicks off.

As in:
Smart Phone: Hi anybody out there?
Cash Register: Why, yes. I'm a Borders cash register. Are you the party wanting to buy this copy of The Looming Tower?
Smart Phone: That's me! Here's my payment information.
Cash Register: Excellent, are you a Borders Rewards member?
Smart Phone: Yes, I am. Here's my member number. XXXXXXXXXX
Cash Register: Thank You. Your payment is confirmed. I've emailed you a receipt. And here's your updated reward status.

Smart Phone (to me, on the phone's display): Payment (Less 10% discount) Confirmed. Receipt sent via email.
Smart Phone (to the Borders Rewards App installed on it): Here's a Borders Reward status code. Any news?
Borders Reward App:: Thanks. Checking. Yes. This account now has 10 Borders Bucks, expiring on July 5, 2011.
Smart Phone (to me, on the phone's display): You now have 10 Borders Bucks, expiring on July 5, 2011.
From my perspective, this goes down in a self checkout lane.

I put the book on a scanner, wait for the book price to display on the terminal.
I launch the payment app, hold my phone up to the reader, and press "Accept"
There's a blip and I see:
Smart Phone (to me, on the phone's display):Payment (Less 10% discount) Confirmed. Receipt sent via email.
You now have 10 Borders Bucks, expiring on July 5, 2011.

Me: Sweet!
I no longer have to manage the rewards program. It becomes an integral part of the transaction. I pay, and all the reward crap happens automatically.

And I no longer have a keychain festooned with plasti-sh!t.
And I don't have to pretend to care about my receipt. If I need it, I'll search Gmail.

The App can even (assuming I let it) alert me to the fact that I have Borders Bucks as I begin the transaction.
Smart Phone (to me, on the phone's display): You have unused Borders Bucks, do you wish to apply them to this purchase?
Me: Sweet!

Frequent Flyer miles, Rental car rewards, Frequent Burrito rewards at Qdoba - all pushed to the background so all's I do is pay and the software tells me what I've won.

This must happen. I am directing my mental powers into the universe and WILLING this to happen.

I will pitch my vendor plastic into a fire and dance a jig when it does.

Wednesday, June 08, 2011

She Only Sang Two Words


I'm flipping to network (yes, I know) to find out if mother nature is about to rip my house off the face of the earth and I blunder onto (yes) America's Got Talent.

And someone's singing Ave Maria. Young African-American woman with white dreadlocks.

The marquee identifies her as:
Lys Agnès, 27
Unemployed
She's done in less than two minutes and as I said, she sings only two words  ...but how she sang them!

Jeezus, Mary and Joseph - she blew the roof off the place.

Here's the YouTube.

She already has a website "coming soon," so this is perhaps a well-managed PR undercurrent. But screw it, she sings like that and has some range - she will sell music - and lots of it.

Tuesday, June 07, 2011

Syria Circling the Drain

With things such a mess, it's hard to know much for certain.

But it's beginning to sound like Syria could go the way of Lybia.

The people of Syria no doubt remember Hafez al-Assad slaughtering thousands of them back in Hama, yet they are gearing up for more confrontation.

For their sakes, I hope Bashar al-Assad is nothing like his father.

Saturday, June 04, 2011

Stewart vs. Trump's Pizza

Doubtless most anyone who reads this has already seen this, but if I can be the safety net for the odd case that hasn't - this simply must be seen.



I laughed until it hurt, then rewound and did it again.

Dear God, I think something burst.

Tuesday, May 31, 2011

In Italy, the Age of Consent is 14

This and other appalling facts about Italy can be found in The New Yorker's very thorough rundown of the Burliosconi affair(s)

Yikes.

(H/t The Awl)

Friday, May 27, 2011

Citizen's United Paradox

Love this:
If human beings can make direct campaign contributions... and if, in Citizens United’s interpretation... corporations and human beings are entitled to equal political speech rights, then corporations must also be able to contribute within (the federal) limits.
So... If I go the other direction on this and say either individuals are allowed to make unlimited political donations - or corporations are limited to the individual limits.  Which is it?

Blarrrgh.

Friday, May 20, 2011

The SEAL's Dog Was Named Cairo

...one of the tidbits of info in the AP's account of the Bin Laden raid.
The Black Hawks were specially engineered to muffle the tail rotor and engine sound, two officials said. The added weight of the stealth technology meant cargo was calculated to the ounce, with weather factored in. The night of the mission, it was hotter than expected.
The Black Hawks were to drop the SEALs and depart in less than two minutes, in hopes locals would assume they were Pakistani aircraft visiting the nearby military academy.

One Black Hawk was to hover above the compound, with SEALs sliding down ropes into the open courtyard.
The second was to hover above the roof to drop SEALs there, then land more SEALs outside — plus an interpreter and the dog, who would track anyone who tried to escape and to alert SEALs to any approaching Pakistani security forces.
If troops appeared, the plan was to hunker down in the compound, avoiding armed confrontation with the Pakistanis while officials in Washington negotiated their passage out.

Thursday, May 12, 2011

Ensign's Other Shoe Drops

(Via TPM)

BREAKING: Senate Ethics committee actually does something. Gives its report on frm. Sen. Ensign to the Dept. of Justice for criminal investigation.

It's still too early to cheer, but most times you wouldn't even get this much out of the Senate.

And seriously, read the report. Here's a sample:
Mr. Hampton found out about the affair on December 23, 2007, while he and his wife were on the way to the airport to pick up their son for the holidays. Senator Ensign was in a separate car on the way to the airport to greet the Hamptons son as well. While waiting in his car as Ms. Hampton went to pick up their son s girlfriend from her home on the way to the airport, Mr. Hampton saw that his wife left her cell phone in the car and he viewed a text message from Senator Ensign to Ms. Hampton that made clear an affair was occurring. Press reports indicate the text message stated “How wonderful it is ... Scared, but excited.”

When Ms. Hampton came back to the car, Mr. Hampton stated “I know what you and John are doing.” Mr. Hampton then called Senator Ensign and said that he knew what was happening. Senator Ensign did not inform Darlene Ensign at the time. When the cars were parked in the airport parking lot, Mr. Hampton jumped out of his car and chased Senator Ensign in the airport parking lot. Ms. Hampton went into the airport and sat there for “hours.” Ms. Hampton later took a taxi back to her home. Once she was home, Mr. Hampton sought to get the couples together to talk about what occurred.
On December 24, 2007, the Hamptons went to the Ensigns’ home, and the four adults met in Senator Ensign s home office. Both Senator Ensign and Ms. Hampton stated that the affair would stop, and Senator Ensign wept and apologized. The Ensigns and Hamptons then had a meeting with their children. The families then celebrated Christmas together. According to Ms. Hampton, had Senator Ensign stopped pursuing her at that time, as he had committed to do before both families, the affair would have ended at that time.
In January 2008, Senator Ensign began texting Ms. Hampton again, and the affair resumed. Ms. Hampton was very despondent during this time frame. Senator Ensign gave Ms. Hampton $3,000 in cash to purchase items for herself and to use for hotel rooms in Las Vegas that Ms. Hampton reserved in her name at his request for their clandestine meetings, because “it always had to be under my name, it could never be under his name.” 
Owch.

Wednesday, May 11, 2011

So, When Does Your Home Purchase Pay Off?

The NYT has an outstanding calculator for determining if renting is better than buying.


Kinda makes me wish I'd seen it before I'd bought.

Monday, May 09, 2011

Scrub With Precision

The NYT posted a number of iPhone tips, most of which were kinda...whatever, but I did appreciate this one:
FORWARD AND REWIND When listening to audio or watching video, you probably know that you can move through the song/movie by sliding your finger left and right across the progress bar. But if you slide your finger down and then across, you can move at different speeds, allowing you to advance or rewind with increasingly fine control.
Solid! I'm tired of scrubbing past the good bits.

Friday, May 06, 2011

Why Explore?

XKCD's got your answer:
The universe is probably littered with the one-planet graves of cultures which made the sensible economic decision that there's no good reason to go into space--each discovered, studied, and remembered by the ones who made the irrational decision.

(H/t Bad Astronomy)

Monday, May 02, 2011

Mission Accomplished

So we got him.

ABC is showing pics of a bloody bedroom scene that suggests at least a couple of the four people killed in the raid were killed there. 1am local time. Stands to reason that somebody might have been sleeping.

I'd make four observations.

  • Obviously, a huge win for our side. No way you're going to convince me that this hasn't been forefront in the minds of our intelligence arm for nine plus years. Statements by our political class saying this guy wasn't important were just because we weren't finding him. Rather like saying Saddam wasn't important - until we got him.
  • Pakistan military = total liars, in more ways than one. Whether its the "We had no idea he was here" bunk we're hearing now - or the "We don't help the Americans" they tell their own citizenry - there's just way too much in plain sight to believe either.
  • Nothing against those people dancing at Ground Zero, or in front of the White House - and while I'm certainly pleased that Bin Laden is dead, I have to think that even if I lived right next to those places, I wouldn't find myself going out to dance in celebration of UBL's death.

    Once you get a few yells out, what do you do? Are there pro-death chants?? Weird.
  • -and then there's this

Check out this guy's windows:

Dude's the most wanted man in the world and he's got swankier windows than I do.