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	<title>DrumGit, Curtis Cunningham's blog. &#187; chat</title>
	<link>http://drumgit.com</link>
	<description>No, your other left.</description>
	<pubDate>Sat, 10 May 2008 19:42:10 +0000</pubDate>
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		<copyright>&#xA9;Curtis Cunningham </copyright>
		<managingEditor>drumgit.com-admin@drumgit.com (Curtis Cunningham)</managingEditor>
		<webMaster>drumgit.com-admin@drumgit.com</webMaster>
		<category>music, drumming, personal, blog</category>
		<ttl>1440</ttl>
		<itunes:keywords>drumgit, curtis cunningham, drumming, drums, </itunes:keywords>
		<itunes:subtitle></itunes:subtitle>
		<itunes:summary>My personal ramblings, stuff I've gathered that's interesting, drumming stuff, etc.</itunes:summary>
		<itunes:author>Curtis Cunningham</itunes:author>
		<itunes:category text="Music"/>
<itunes:category text="Society &amp; Culture"/>
		<itunes:owner>
			<itunes:name>Curtis Cunningham</itunes:name>
			<itunes:email>drumgit.com-admin@drumgit.com</itunes:email>
		</itunes:owner>
		<itunes:block>No</itunes:block>
		<itunes:explicit>no</itunes:explicit>
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			<title>DrumGit, Curtis Cunningham's blog.</title>
			<link>http://drumgit.com</link>
			<width>144</width>
			<height>144</height>
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		<item>
		<title>are you desirable?</title>
		<link>http://drumgit.com/2008/05/09/random/</link>
		<comments>http://drumgit.com/2008/05/09/random/#comments</comments>
		<pubDate>Fri, 09 May 2008 09:02:55 +0000</pubDate>
		<dc:creator>Curtis</dc:creator>
		
		<category><![CDATA[chat]]></category>

		<category><![CDATA[errr..]]></category>

		<guid isPermaLink="false">http://drumgit.com/2008/05/09/random/</guid>
		<description><![CDATA[I&#8217;ve not really been able to get into the whole Facebook.com thing, but I kept getting invites from lots of people so I eventually signed up. It&#8217;s still not really taken off with me to be honest, and I think part of that is that I still haven&#8217;t put in enough time so I &#8220;get [...]]]></description>
			<content:encoded><![CDATA[<p>I&#8217;ve not really been able to get into the whole <a href="http://www.facebook.com/">Facebook.com</a> thing, but I kept getting invites from lots of people so I eventually signed up. It&#8217;s still not really taken off with me to be honest, and I think part of that is that I still haven&#8217;t put in enough time so I &#8220;get it&#8221;. </p>
<p>One thing I don&#8217;t really get.. I&#8217;m not really clued up on these add on applications that I keep getting &#8220;invited&#8221; to use. Each time I sign up for one, I just seem to get more email I don&#8217;t want. For example, this is from the <a href="http://www.facebook.com/">Facebook</a> application, <a href="http://www.facebook.com/applications/Social_Profile/4554458539">Social Profile</a>.</p>
<p><img src="http://photos.drumgit.com/d/20614-2/date_curtis.jpg" alt="This is my Facebook "Social Profile" /></p>
<blockquote><p>
&#8220;Curtis, you are more desired than 69% of all people<br />
In total, you were reviewed for dating 327 times and 12 people expressed interest in you.<br />
You are more desirable than 69% of 30,297,707 people.</p>
<p>Last week you were viewed 15 times and no people expressed interested in you&#8221;</p></blockquote>
<p>Out of 327, only 12 were interested. That&#8217;s something like 3%, but strangely enough I&#8217;m doing better than 69% of over 30 million other people. I think that&#8217;s massaging the statistics a little, and someone needs to revise their numbers as I don&#8217;t think  I should be doing <em>that</em> well. <img src='http://drumgit.com/wordpress/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
]]></content:encoded>
			<wfw:commentRss>http://drumgit.com/2008/05/09/random/feed/</wfw:commentRss>
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		<item>
		<title>BarCamp San Diego 3, 2008</title>
		<link>http://drumgit.com/2008/05/03/barcamp-san-diego-3/</link>
		<comments>http://drumgit.com/2008/05/03/barcamp-san-diego-3/#comments</comments>
		<pubDate>Sat, 03 May 2008 20:32:59 +0000</pubDate>
		<dc:creator>Curtis</dc:creator>
		
		<category><![CDATA[tech]]></category>

		<category><![CDATA[chat]]></category>

		<guid isPermaLink="false">http://drumgit.com/2008/05/03/barcamp-san-diego-3/</guid>
		<description><![CDATA[Traveled with Dr. Mike to this weekend&#8217;s BarCamp meet in San Deigo, at  the Microsoft campus in La Jolla, Southern California.

Check twitter updates from a bunch of attendees here. 
Wiki with attendees and details of talks here.
My photos of the event available here.
I&#8217;ve other notes on people I spoke to and talks attended, to [...]]]></description>
			<content:encoded><![CDATA[<p>Traveled with <a href="http://blog.planetc1.com/">Dr. Mike</a> to this weekend&#8217;s <a href="http://www.barcampsd.org/">BarCamp meet in San Deigo</a>, at  the Microsoft campus in La Jolla, Southern California.</p>
<p><img src="http://photos.drumgit.com/d/19759-1/BarCampSD3_flyer.png" alt="Bar Camp San Diego 3 flyer." /></p>
<p>Check twitter updates from a bunch of attendees <a href="http://twemes.com/bcsd">here</a>. </p>
<p>Wiki with attendees and details of talks <a href="http://www.barcamp.org/BarCampSanDiego">here</a>.</p>
<p>My photos of the event <a href="http://photos.drumgit.com/v/2008_May/2008-05_BarCampSD3/">available here</a>.</p>
<p>I&#8217;ve other notes on people I spoke to and talks attended, to add to this post when I pretty them up properly. <img src='http://drumgit.com/wordpress/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
]]></content:encoded>
			<wfw:commentRss>http://drumgit.com/2008/05/03/barcamp-san-diego-3/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Glad to be bach</title>
		<link>http://drumgit.com/2008/04/05/glad-to-be-bach/</link>
		<comments>http://drumgit.com/2008/04/05/glad-to-be-bach/#comments</comments>
		<pubDate>Sat, 05 Apr 2008 09:45:57 +0000</pubDate>
		<dc:creator>Curtis</dc:creator>
		
		<category><![CDATA[chat]]></category>

		<guid isPermaLink="false">http://drumgit.com/2008/04/05/glad-to-be-bach/</guid>
		<description><![CDATA[Huge learning experience. No, really. Spun myself off into the big wide world of contracting recently to see what it&#8217;s like. It&#8217;s got TONS of good points, and TONS of pitfalls. You MUST be on your toes. Some things I learned include ..

You cannot trust folks to do due diligence, so always go over the [...]]]></description>
			<content:encoded><![CDATA[<p>Huge learning experience. No, really. Spun myself off into the big wide world of contracting recently to see what it&#8217;s like. It&#8217;s got TONS of good points, and TONS of pitfalls. You MUST be on your toes. Some things I learned include ..</p>
<ul>
<li>You cannot trust folks to do due diligence, so always go over the statement of work you&#8217;re hired to implement. If you&#8217;re lucky there will be some overlap with reality.</li>
<li>It&#8217;s fine to be in the weeds, but keep your eye on the bigger project picture, who the main players are and what their concerns are.</li>
<li>If things aren&#8217;t going to plan, keep your ear to the ground for folks making you a scapegoat. Speak up if you suspect blame is being wrongly placed at your feet.</li>
<li>Own up <strong>immediately</strong> if there are problems and you&#8217;re the cause, or the bottleneck to the problems getting resolved. Be able to say why, and provide one or more ways to resolve the problem and move forward.</li>
<li>If they keep you working beyond the agreed time, and you don&#8217;t mind .. at least make sure the checks keep coming.</li>
<li>Some people have the turning circle of an oil tanker when it comes to responding to new input. This is especially true for unpleasant budget affecting stuff folks don&#8217;t want to have to tell their bosses about. Refer to the point about scapegoat.</li>
<li>Make sure you recognize the decision makers. You&#8217;ll minimize delays due that previous point. <img src='http://drumgit.com/wordpress/wp-includes/images/smilies/icon_wink.gif' alt=';)' class='wp-smiley' /> </li>
<li>It&#8217;s ok to be the hostage if the checks keep coming</li>
<li>Did I mention keep an eye on the checks?</li>
<li>Ultimately, it&#8217;s nothing personal, it&#8217;s just business <img src='http://drumgit.com/wordpress/wp-includes/images/smilies/icon_wink.gif' alt=';)' class='wp-smiley' /> .</ul>
</li>
<p>And a whole lot more.</p>
<p>I&#8217;ll blog about it properly at some point.</p>
]]></content:encoded>
			<wfw:commentRss>http://drumgit.com/2008/04/05/glad-to-be-bach/feed/</wfw:commentRss>
		</item>
		<item>
		<title>upgrade</title>
		<link>http://drumgit.com/2008/03/03/upgrade/</link>
		<comments>http://drumgit.com/2008/03/03/upgrade/#comments</comments>
		<pubDate>Mon, 03 Mar 2008 17:11:17 +0000</pubDate>
		<dc:creator>Curtis</dc:creator>
		
		<category><![CDATA[tech]]></category>

		<category><![CDATA[chat]]></category>

		<category><![CDATA[cool]]></category>

		<guid isPermaLink="false">http://drumgit.com/2008/03/03/upgrade/</guid>
		<description><![CDATA[My current laptop is a PowerBook G4, 1GHz CPU, 768MB RAM, 40GB hard drive. Looks just like this ..

Went for the upgrade on Friday night ..
]]></description>
			<content:encoded><![CDATA[<p>My current laptop is a PowerBook G4, 1GHz CPU, 768MB RAM, 40GB hard drive. Looks just like this ..</p>
<p><a href="http://photos.drumgit.com/v/2008_March/12-powerbook-G4.jpg.html?g2_imageViewsIndex=1"><img src="http://photos.drumgit.com/d/14177-2/12-powerbook-G4.jpg" alt="12" PowerBook G4" /></a></p>
<p>Went for the upgrade on Friday night ..<br />
 <a href="http://drumgit.com/2008/03/03/upgrade/#more-134" class="more-link">(more&#8230;)</a></p>
]]></content:encoded>
			<wfw:commentRss>http://drumgit.com/2008/03/03/upgrade/feed/</wfw:commentRss>
		</item>
		<item>
		<title>BarCamp-LA5, day 1</title>
		<link>http://drumgit.com/2008/03/02/barcamp-la5-day-1/</link>
		<comments>http://drumgit.com/2008/03/02/barcamp-la5-day-1/#comments</comments>
		<pubDate>Sun, 02 Mar 2008 08:00:40 +0000</pubDate>
		<dc:creator>Curtis</dc:creator>
		
		<category><![CDATA[tech]]></category>

		<category><![CDATA[chat]]></category>

		<category><![CDATA[cool]]></category>

		<guid isPermaLink="false">http://drumgit.com/2008/03/02/barcamp-la5-day-1/</guid>
		<description><![CDATA[An update on my earlier post on BarCampLA5. Post BarCamp first day, and I have to say I&#8217;m pretty impressed. Wonderfully diverse bunch of people all the way from marketing types, to musicians, to actors/actresses/comediennes, to web bloggers, to linux kernel programmers!  There was free entrance with pre-registration, free food, and free T-shirt to [...]]]></description>
			<content:encoded><![CDATA[<p>An update on <a href="http://drumgit.com/2008/02/29/barcamp/">my earlier post</a> on BarCampLA5. Post <a href="http://barcamp.org/BarCampLA-5">BarCamp</a> first day, and I have to say I&#8217;m pretty impressed. Wonderfully diverse bunch of people all the way from marketing types, to musicians, to actors/actresses/comediennes, to web bloggers, to linux kernel programmers!  There was free entrance with pre-registration, free food, and free T-shirt to mark the occasion, and a full day of interesting talks by interesting people.</p>
<p> <a href="http://drumgit.com/2008/03/02/barcamp-la5-day-1/#more-133" class="more-link">(more&#8230;)</a></p>
]]></content:encoded>
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		</item>
		<item>
		<title>BarCamp</title>
		<link>http://drumgit.com/2008/02/29/barcamp/</link>
		<comments>http://drumgit.com/2008/02/29/barcamp/#comments</comments>
		<pubDate>Sat, 01 Mar 2008 06:38:14 +0000</pubDate>
		<dc:creator>Curtis</dc:creator>
		
		<category><![CDATA[tech]]></category>

		<category><![CDATA[chat]]></category>

		<category><![CDATA[cool]]></category>

		<guid isPermaLink="false">http://drumgit.com/2008/02/29/barcamp/</guid>
		<description><![CDATA[There&#8217;s an interesting new idea that&#8217;s been around for a few years now of get togethers, conferences, whatever, that are communal in nature. My friend Michael Dorausch (of Planet Chiropractic) turned me on to this a year or two ago but I&#8217;m only just now getting round to going to one.
Conferences are typically hosted by [...]]]></description>
			<content:encoded><![CDATA[<p>There&#8217;s an interesting new idea that&#8217;s been around for a few years now of get togethers, conferences, whatever, that are communal in nature. My friend Michael Dorausch (of <a href="http://www.planetc1.com/">Planet Chiropractic</a>) turned me on to this a year or two ago but I&#8217;m only just now getting round to going to one.</p>
<p>Conferences are typically hosted by big business, commercial organizations, etc. but this is different in that it&#8217;s the actual participants are responsible for setting the agenda, giving the talks, participating fully and actively in the event. If they don&#8217;t, there will be no event!</p>
<p>I heard a story on NPR just today where they were talking about events just like this, and they&#8217;ve coined a term to describe them.. &#8220;un-conference&#8221;.</p>
<p>There&#8217;s one happening tomorrow called BarCamp. </p>
<p><a href="http://barcamp.org/BarCampLA-5"><img src="http://photos.drumgit.com/d/14162-1/bcla5-banner-navy.png" alt="BarCamp Los Angeles" /></a></p>
<p>More info at the <a href="http://barcamp.org/">BarCamp wiki</a>, <a href="http://en.wikipedia.org/wiki/BarCamp">wikipedia</a>, <a href="http://barcamp.org/BarCampLA-5">BarCamp Los Angeles meet March 2008</a>,</p>
]]></content:encoded>
			<wfw:commentRss>http://drumgit.com/2008/02/29/barcamp/feed/</wfw:commentRss>
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		<item>
		<title>opportunities</title>
		<link>http://drumgit.com/2008/02/26/opportunities/</link>
		<comments>http://drumgit.com/2008/02/26/opportunities/#comments</comments>
		<pubDate>Tue, 26 Feb 2008 08:59:00 +0000</pubDate>
		<dc:creator>Curtis</dc:creator>
		
		<category><![CDATA[chat]]></category>

		<guid isPermaLink="false">http://drumgit.com/2008/02/26/opportunities/</guid>
		<description><![CDATA[They come out of the woodwork, they do. You don&#8217;t know what you&#8217;ve got coming to you, until you leave what you had. I&#8217;ve learned that so many times, and it&#8217;s awesome to learn it again each time. 
A family and a home are things I want, but not having these things just yet opens [...]]]></description>
			<content:encoded><![CDATA[<p>They come out of the woodwork, they do. You don&#8217;t know what you&#8217;ve got coming to you, until you leave what you had. I&#8217;ve learned that so many times, and it&#8217;s awesome to learn it again each time. </p>
<p>A family and a home are things I want, but not having these things just yet opens up other opportunities. For example, I&#8217;m in the enviable position of being able to take risks with what I do for work , mostly as I have no commitments, other than my <a href="http://pooches.drumgit.com">pooches</a>. </p>
<p>It&#8217;s becoming obvious that there are a LOT of opportunities out there for me, including ones more geared towards the technical side of things which I find more interesting. I feel lucky <img src='http://drumgit.com/wordpress/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> .</p>
<p>For example I landed a contracting gig a couple weeks after I left Sun. Since then I&#8217;ve been working for this customer, mostly from home, with occasional visits to Toronto, Canada. I&#8217;ve been up there for a couple visits recently. Last week when I was there it was -10°C without wind chill. I think in the shade with a breeze blowing it hit -20°C!</p>
<p><a href="http://photos.drumgit.com/v/2008_February/2008-02-05_08_Toronto_Trip/"><img src="http://photos.drumgit.com/d/14090-2/DSCN0955.jpg" alt="snow" /></a></p>
<p>I really really want to spend some time visiting friends in <a href="http://photos.drumgit.com/v/2007_June/2007-06-28_07-02_3Degrees/">northern</a>/southern CA, go <a href="http://photos.drumgit.com/v/2007_November/2007-11-22_24_Thanksgiving_Norcal_Pooch_Trip/">camping with the pooches</a> again, and <a href="http://drumalicious.com/">play lots and LOTS of drums</a>.</p>
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			<wfw:commentRss>http://drumgit.com/2008/02/26/opportunities/feed/</wfw:commentRss>
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		<item>
		<title>Vote for Pedro! The feds stole his money!</title>
		<link>http://drumgit.com/2008/02/02/vote-for-pedro-the-feds-stole-his-money/</link>
		<comments>http://drumgit.com/2008/02/02/vote-for-pedro-the-feds-stole-his-money/#comments</comments>
		<pubDate>Sat, 02 Feb 2008 21:32:57 +0000</pubDate>
		<dc:creator>Curtis</dc:creator>
		
		<category><![CDATA[frugal]]></category>

		<category><![CDATA[chat]]></category>

		<category><![CDATA[errr..]]></category>

		<category><![CDATA[politics]]></category>

		<category><![CDATA[think]]></category>

		<guid isPermaLink="false">http://drumgit.com/2008/02/02/vote-for-pedro-the-feds-stole-his-money/</guid>
		<description><![CDATA[This guy worked for something like 11 years as a dish washer to earn
around $60k (about 30,000 UK pounds). He was leaving to go back to his
home country where he could make a great life for his family, and he was
stopped leaving the country and they confiscated his money. There&#8217;s a
document you&#8217;re supposed to fill [...]]]></description>
			<content:encoded><![CDATA[<p>This guy worked for something like 11 years as a dish washer to earn<br />
around $60k (about 30,000 UK pounds). He was leaving to go back to his<br />
home country where he could make a great life for his family, and he was<br />
stopped leaving the country and they confiscated his money. There&#8217;s a<br />
document you&#8217;re supposed to fill out if you&#8217;re taking more than $10k in<br />
cash out of the country, and he forgot or didn&#8217;t know about it, so they<br />
took his life savings.</p>
<p>You can sign a petition here to help:<br />
~ <a href="http://proudtoliveinamerica.com/Forms/Main/Default.aspx?L=en-us&#038;P=Petitions">http://proudtoliveinamerica.com/Forms/Main/Default.aspx?L=en-us&#038;P=Petitions</a></p>
<p>Please sign, and forward the message onward.</p>
<p>I&#8217;ve read about this story for some time now, and they finally sent him<br />
home, and only gave him $10k back, keeping the rest.</p>
<p>~ <a href="http://www.cnn.com/2007/US/09/27/immigrant.money/index.html">   http://www.cnn.com/2007/US/09/27/immigrant.money/index.html</a></p>
<p>Some of the circumstances around this are confusing. Some are saying he<br />
hadn&#8217;t paid taxes on this, some are saying he *did* pay taxes but didn&#8217;t<br />
file his taxes correctly. Regardless, many conservatives calling for him<br />
to be crucified as an example of the harm illegal aliens are doing to<br />
America and the American economy. Thing is, I wonder just how many of<br />
these screaming conservatives would take his place and wash dishes for<br />
$5.50 an hour for 11 years. Here&#8217;s one such rant:</p>
<p>~ <a href="http://www.theconservativevoice.com/article/28308.html">   http://www.theconservativevoice.com/article/28308.html</a></p>
<p>And comments on this article are even more shocking, suggesting things like the place he worked should be burned down:</p>
<p>~ <a href="http://www.theconservativevoice.com/forum/read.html?id=11424#comments">http://www.theconservativevoice.com/forum/read.html?id=11424#comments</a></p>
<p>That amount of money doesn&#8217;t even buy a small piece of a smart bomb they<br />
like to let loose daily in the middle east, but would make the world of<br />
difference to that man and his family back home.</p>
<p>Bastards.</p>
]]></content:encoded>
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		<item>
		<title>day one in my own sun</title>
		<link>http://drumgit.com/2008/01/23/day-one-in-my-own-sun/</link>
		<comments>http://drumgit.com/2008/01/23/day-one-in-my-own-sun/#comments</comments>
		<pubDate>Wed, 23 Jan 2008 20:12:40 +0000</pubDate>
		<dc:creator>Curtis</dc:creator>
		
		<category><![CDATA[chat]]></category>

		<guid isPermaLink="false">http://drumgit.com/2008/01/23/day-one-in-my-own-sun/</guid>
		<description><![CDATA[Here I sit, alternating between browsing &#8220;what to do with your life&#8221; type blogs and staring into space thinking &#8220;WTF?!?!?!?!&#8221;.
What do I want to be when I grow up?  I can&#8217;t say for sure, but so far it&#8217;s looking like I&#8217;m extremely allergic to being a small cog in a big machine. Thing is, [...]]]></description>
			<content:encoded><![CDATA[<p>Here I sit, alternating between browsing &#8220;what to do with your life&#8221; type blogs and staring into space thinking &#8220;WTF?!?!?!?!&#8221;.</p>
<p>What do I want to be when I grow up?  I can&#8217;t say for sure, but so far it&#8217;s looking like I&#8217;m extremely allergic to being a small cog in a big machine. Thing is, the big machine brings the positives of security, stability, a regular pay check, healthcare (too important in a country like the US). The negatives are politics, hierarchy, politics, very restrictive job scope, etc. Did I mention politics? </p>
<p>Most advice you see out there tells you to treat being unemployed/between jobs as like you&#8217;re employed for yourself, and your job is to find a job. That&#8217;s great advice when you&#8217;re #1 learning and growing in certain roles and you just wish to slip into the same role in a different company. It&#8217;s also great advice when you&#8217;re #2 in a place where you don&#8217;t have a choice - by that I mean, perhaps you&#8217;ve a mortgage, kids, wife, expensive toys that require a lot of upkeep, etc. I imagine in that scenario it&#8217;s most imperative to get back to status quo, with checks coming in to cover the outgoings.</p>
<p>I was almost on the property ladder a few months ago. I&#8217;m glad that didn&#8217;t work out! What happened was the markets were turning and the rules for borrowing money were in flux. I was in escrow at the time and as the seller removed the final contingencies and we were to move forward, the rules changed such that the bare minimum needed for a deposit was raised from 5% to 10%. I could&#8217;ve gone to this, but that would&#8217;ve pretty much cleaned out my reserves. If I&#8217;d taken the chance and gone ahead with it, I&#8217;d have probably already be in negative equity and completely focused on not disrupting my income flow. i.e. position #2 above.</p>
<p>In leaving my job the reactions I&#8217;ve had from friends and work colleagues has ranged from &#8220;Dude! What are you thinking?! You don&#8217;t have another job to go to?!&#8221; to &#8220;I&#8217;m SOOO jealous! I think it&#8217;s awesome!&#8221;, and every shade in between. It&#8217;s also been educational to see who took the time to  respond to my leaving email, who picked up the phone, etc. and those who just never acknowledged my message all. I made great contacts at that job, and worked with some great folks. I hope to work with them again at some point.</p>
<p>Right now I&#8217;m in a great spot. I have a wonderful opportunity to make something for myself, and of myself. We all owe it to ourselves to find something that inspires us. Personally I just need to keep on track and not take the easy way out!</p>
<p>Nothing is forever.</p>
<p>The only constant is change.</p>
<p>This too shall pass.</p>
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		<title>Bank Of America and interest rates</title>
		<link>http://drumgit.com/2008/01/19/bank-of-america-crooks/</link>
		<comments>http://drumgit.com/2008/01/19/bank-of-america-crooks/#comments</comments>
		<pubDate>Sat, 19 Jan 2008 10:15:23 +0000</pubDate>
		<dc:creator>Curtis</dc:creator>
		
		<category><![CDATA[chat]]></category>

		<category><![CDATA[errr..]]></category>

		<guid isPermaLink="false">http://drumgit.com/2008/01/19/bank-of-america-crooks/</guid>
		<description><![CDATA[Some history between B of A and myself&#8230; 
I was originally signed up for a MBNA Linux Fund card. I deliberately chose them over banks like B of A as I didn&#8217;t like what I&#8217;d read about banks like B of A in various online reviews. B of A bought out MBNA not so long [...]]]></description>
			<content:encoded><![CDATA[<p>Some history between B of A and myself&#8230; </p>
<p>I was originally signed up for a MBNA Linux Fund card. I deliberately chose them over banks like B of A as I didn&#8217;t like what I&#8217;d read about banks like B of A in various online reviews. B of A bought out MBNA not so long ago, so despite trying to avoid them I became their customer in the end anyways.</p>
<p>Less than a couple months ago I was checking my online statements and noticed my bill said I was being charged something like a 20 or 25% interest rate. I found this shocking as I (like many others) get many offers for credit cards for interest rates much less than this, even after the special 0% intro rates.</p>
<p>I called B of A to discuss this, and was passed round a number of people before settling on one person that I had a very heated discussion with about my interest rate. I demanded to know why I was being charged such a rate, made it clear I was extremely unhappy about it as I&#8217;m a very active customer and regularly pay my bill in full. They responded that it had jumped to that rate as a penalty as I&#8217;d made a late payment. I asked when the penalty interest period would stop and the rate would drop back down, and they said it doesn&#8217;t automatically drop down again without intervention.</p>
<p>To clarify .. I&#8217;d continue to be charged this very high interest rate unless *I* took some action. </p>
<p>I responded that I&#8217;ll be taking advantage of the many other credit cards offers I get in the mail almost daily  and for rates less than half of what they were charging me, and demanded my account be closed immediately.  At this point the guy I was speaking to put me on hold for a few minutes. When he came back, he said he&#8217;d drop my interest rate to a more reasonable 15.x%.</p>
<p>Fast forward today. I was checking my credit card balance online today after receiving an email reminder that payment was due on my account. As I was out of the country over the xmas holidays I took a quick peek at my statement for that period. I scrolled down a bit and this jumped out at me..</p>
<p><img src="http://photos.drumgit.com/d/13668-1/from+my+BofA+statement.JPG" alt="My interest rate" /></p>
<p>Note the rate in the bottom right hand corner of 35.89%. Now I don&#8217;t know about you, but this is WAY above anything I&#8217;ve ever seen advertised and I&#8217;m sure you&#8217;ll agree is an absolutely ridiculous rate to be charged. I very occasionally pay a little late but usually drop thousands in to pay the complete balance at once as I often do US wide travel with occasional international travel.</p>
<p>A little googling around turned up interest rates for B of A credit card holders substantially less than what I was being charged, even after then intro 0% period had ended. For example ..</p>
<p><a href="http://www.bankofamerica.com/creditcards/?context_id=marketing_detail&#038;offer_id=ECOMM0908AMC00506700113820EN000&#038;requestTimeout=120"><img src="http://photos.drumgit.com/d/13663-1/from+BofA+site.JPG" alt="Publically advertised interest rate" /></a></p>
<p>(click to go directly to B of A site directly with this ad on it)</p>
<p>Note my card actually has &#8220;Platinum Plus&#8221; underneath the &#8220;Bank of America&#8221; logo, which to me implies I should be getting 9.9% as advertised here.</p>
<p>So I called B of A AGAIN today. I got a very nice pleasant lady on the phone who asked what she could do to help. I told her I&#8217;d looked at my online statement today and noticed the interest rate of 35.89% being charged for that recent billing period, and I&#8217;d like to know why I was being charged that. She said &#8220;One moment sir&#8221;, and I was put on hold. </p>
<p>After another minute or two a guy answered. I asked who I was speaking to, did he know who I was, why was I speaking to him, and why was I transferred. He said he was in some department like &#8220;account retentions&#8221;. Read into that what you will.</p>
<p>I explained to him what I was looking at on my bill, and said I&#8217;d like an explanation of the 35.89% number. He said I wasn&#8217;t being charged that, that my rate was actually 15.99%. This figure is on the image above. I continued to ask what that 35.89% number meant, and why it was on my personal bill, referring to a specific billing period. He responded they had to put that on there for legal reasons and that I wasn&#8217;t really being charged that rate.. every customer is different. So, I asked, if we all get different rates, what does that number mean for me? I could NOT get a clear answer out of him. I don&#8217;t think he knew.</p>
<p>I kept drilling him on this, asking why it&#8217;s there at all, why it&#8217;s specific to me, and he got very obviously irate. I took the time to explain my other recent previous experience, when I saw a number like this on a recent statement, I had to call and found out it was my interest rate, etc. </p>
<p>He had no response.</p>
<p>Even after speaking to their expert, I still have no idea what this number means, and why they&#8217;re legally obligated to put it on my statement.</p>
<p>I&#8217;m going to be looking for a new credit card next week.</p>
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