Why?

My day, and why I need a massage every 2 weeks. I actually need it weekly, but I like to eat, so I sacrifice. Here are today's burning "Why" questions:

1. Why do you think it is okay to turn right from the left lane? Do you not see there are cars in the right lane? Do you not see the sign over your lane that indicates you may go straight or turn left ONLY? Why do you think you have the right-of-way over the cars in the right lane, or the oncoming cars turning left? Are you TOO GOOD to get in line like the rest of us and wait for the light? Where are you going that is so important that you are special?

2. Why do you think it is okay to exit left from the right lane? Do you not see there are cars in the left lane? Why is lack of planning on your part suddenly imposed on several others who have to stop to prevent them from slamming into you, thus backing up traffic even more? Are you TOO GOOD to think about the fact that there is an exit coming up and maybe you should be in the proper lane to start with?

3. Why do you wait until your merge/transition lane is gone and you are driving on the shoulder to begin your merge? Why do you feel a God-given right to stick your car into moving traffic without the benefit of a turn signal to indicate your intent? Why do you feel the need to flip the finger at everyone who failed to stop traffic to let you in? What part of this is not YOUR doing?

4. Why do you feel it is okay to cross a double solid white line (which indicates the exit has already been defined, and you are past it) and create a second lane in the one-lane exit, bypassing all the cars already legally in that lane, then push your way into the waiting cars so you can exit? Do you really need to get to work that much faster than the rest of us?

(Caution: change in topic.)

5. Why is your music on so loud that it is blaring from your ear phones to the point where you could not hear me say "excuse me" after YOU stopped dead in your tracks, totally unaware that anyone else was in the world, causing me to bump into you? Then, after you grudgingly acknowledged my existence, why did you give me the evil eye as if this was somehow MY fault?

6. Why was I so upset/confused/dismayed after listening to that NPR piece on teens so addicted to texting they felt they could not possibly be expected to drive without texting? Why do these kids feel it is okay? Even after one of them was in two serious accidents because she was texting while driving? What part of distracted driving (and to an inexperienced driver, at that) is not clear here? *I* cannot even get my cell phone out of my purse while driving without losing focus, and I have been driving 3 times longer than these kids are old! Why do they feel this would be such an imposition on their lives? What do they freaking have to say that cannot wait until they get to where you are going?!?! Is a life in danger? Then SHUT UP AND DRIVE.

7. Why, when I went to the Post Office the other day, were three out of four people on their cell phones while waiting in line? What do you have to say that cannot wait until you leave the Post Office? Do you honestly think I want to listen to your conversation about your doctor's appointment, or what you need to do when you get home, or why you think that guy likes you? Put a sock in it!

7.5. Why (while we are on the subject of the Post Office) do you think you can walk in to the PO with a shopping bag and start packaging up your item to be mailed? Did you not think of the shipping part of this when you bought the item? Are you aware that other places sell boxes and tape? Do you know how much smoother things go when your item is ready to ship before you get into line? Do you think it is the responsibility of the Postal Service worker at the window to help you tape up your package? Why can some of us manage to do this at home? And DO NOT ask me to let you in front of me in line because you have already been here so long. YOU ARE NOT IN LINE YET, so move to the end, bucko.

8. WHY did I not see those awesome Hostess cupcakes in the vending machine at work until I was leaving? I just KNOW they could have helped me fell better about all of this.

Frustrating Day In Muddville

Is Muddville spelled with one or two 'd's? Sigh.

I tell ya, when I leave the office, my day is supposed to get better, not worse. But when I am surrounded by stoopid people driving objects of destruction and not paying attention, can you tell it irritates me just a little bit??!?!

First up: Lady in large View-blocker (SUV), holding cell phone in her right hand and gesturing with her left. Holding the steering wheel with ... what? Not her teeth, because her mouth never stopped moving. For miles. I even took various back roads to try and shake her, but she hugged my bumper, for miles. Amazing she did not hit me.

Next up: Woman in front of me driving 10 mph below the speed limit in the left lane. Would.not.speed.up. I could not get into the right lane to pass her because all the people behind me were doing that and cutting me off. Idiots. I finally got around her after a few miles. Grrrrrrr....

Then I went to the grocery store - had to pick up an Rx. Leaving the store, there was a car stopped in the driving lane. Well, actually, both lanes, since she was in the middle of the two lanes, just stopped. I stepped into the cross walk and looked at her to make sure she did not plan to start moving. Nope - she was too busy texting on her cell to even notice I was there. Then once I was about 2/3 of the way across, she started moving (surprise!) and turned into the lane in which I was walking. She drove reeeeal slooooowly, like she was following me to my spot, then she sped up and I looked over - still texting. She went past a few open spaces, then stopped. As a guy started to back out of his spot, she threw her vehicle into reverse and almost nailed him. WT!?! She finally took her car out of reverse and pulled into one of the empty spots - still texting. I got into my car and left, and she was ... still texting. WHO THE HELL ARE THESE PEOPLE TALKING TO!?!?!?!

Ahem.

I get to the fabric store to pick up my sharpened scissors. As the line grew longer, one of the registers closed. CLOSED. When she finally got to me, she had no clue where to find the scissors, so she abandoned her post (line still growing). She was in slow motion the whole check-out time, then she informed me that even though the ticket says $42, she knows scissor sharpening is $3, and so she did not want me to be surprised. Note: This was a huge, heavy bag, obviously containing more than one pair of scissors. I looked at her and told her that there were multiple pairs of scissors in the bag, 14 to be exact, and 14 times 3 is 42, so that is the correct amount. She just did not want me to "wonder". I know she was just trying to help, but I wonder how she gets dressed in the morning. Oh, did I mention her hair was green with blue tints?

Then I get home. I had a message from my Rx company to call. It was a very...slow...speaking...voice...on...a...recording. Did I want to hear about a program about blah, blah, blah? Speak Yes or No after the tone. No. Okay, let us tell you about this blah, blah, blah program that is included at no extra cost with your plan. (What part of No was not clear, here?) blah, blah, blah ... Would you like to reconsider your answer. NO. Well, if you ever DO wish to reconsider ... aaaaaaaaagh!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

And just now, as I am typing this rant, I get a phone call from another machine - this time from my Dr's office. They have this automated system that calls you - over and over and over until you respond - to confirm your appt. To continue in English, please press 1. I LIVE IN THE UNITED STATES OF AMERICA. I SHOULD NOT HAVE TO PRESS 1 FOR ENGLISH!

Stop the world, I want to get off!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Okay, I think I need a distraction. Hey, look, in just one short hour it will be my bed-time. I hope I am unwound by then .... at least typing all of this made me feel a little better. Sigh ...

Taking Responsibility, Revisted

I think I need to stop reading this stuff. How many more times are we going to be asked to help bail out someone who failed to be responsible for themselves?!

Read on (the bold part is my doing):
------------------------------

Schwarzenegger Seeks Federal Disaster Declaration
November 19, 2008

California Gov. Arnold Schwarzenegger is asking the Bush administration to declare Southern California a federal disaster site after fires tore through wide swaths of the region.

According to a letter the governor sent to the Federal Emergency Management Agency, the state needs help cleaning up after wildfires destroyed more than 800 homes and burned more than 40,000 acres over the weekend.

Schwarzenegger says California needs help cleaning up debris and protecting burned properties from potential flooding.

The governor also requested disaster loans for the counties of Los Angeles, Orange, Riverside, Santa Barbara and San Bernardino. He says many of the residents affected by the fires -- particularly mobile home owners -- lacked insurance or are seriously underinsured.
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I'm sorry. I do feel for the displaced people, but if you do not bother to figure out a way to insure your own property, and to the correct amount of its worth, why is this my problem? Can I drop my homeowners insurance and get rebuilt because I am uninsured? Can I fail to adjust my coverage up when the value of my home increases and get someone else to pay the difference? Puleeze! I am sick to death of being expected to bail out people who do not help themselves.

Well, Duh

I read this late last week and I could not believe what I was reading. I have since found other versions of the same article in the WSJ and other (usually) reputable sources, so I feel safe in sharing the article I read. Read on, and judge for yourself. [Note: The bold statements below are my doing.]

A.I.G. to Suspend Millions in Executive Payouts
By JONATHAN D. GLATER
Published: October 22, 2008

The beleaguered insurer American International Group has agreed to suspend payments to executives from a $600 million bonus fund as well as $19 million in payments to its former chief executive, the New York attorney general announced on Wednesday.

The moves are the latest steps in an effort by the attorney general, Andrew M. Cuomo, to prevent bonuses and other compensation to former executives at A.I.G., which in recent weeks has received tens of billions of dollars in loans from the Federal Reserve.

“There should not even be any contemplation of bonuses for executive performance because I find it hard to conceive of a situation that you could justify a performance bonus for management that virtually bankrupted the company,” Mr. Cuomo said on a conference call with reporters on Wednesday afternoon.

Regulators and lawmakers have pointed to A.I.G. as an example of excessive greed in corporate America. Although the Treasury Department is imposing limits on compensation to the most highly paid executives at companies that receive government aid, the limits do not address compensation paid in the past or under pre-existing employment contracts.

In A.I.G.’s case, according to Mr. Cuomo’s office, it is unlikely that the limits in the bailout legislation would apply because the company has received money in the form of loans from the Fed, not from transactions with the Treasury Department.

According to a letter Mr. Cuomo sent to A.I.G.’s current chief executive, Edward M. Liddy, the company has agreed to freeze $19 million in remaining payments to Martin J. Sullivan, the company’s former chief executive who was ousted in June. Mr. Cuomo said he did not know how much Mr. Sullivan might have already been paid under his employment contract.

The company also agreed not to make any payments from a $600 million deferred compensation and bonus fund for executives of A.I.G.’s financial products unit, which undertook many of the complex financial transactions that pushed the company to the brink of collapse. Mr. Cuomo said that Joseph Cassano, who headed that unit, stood to receive $70 million from the fund.

“We have received the letter, and the letter is consistent with our discussions with the attorney general and with actions we have taken,” said Joe Norton, a spokesman for A.I.G.

Mr. Cuomo has already called on A.I.G. to help recover payments made to former executives at the company. During the call with reporters, Mr. Cuomo suggested that his actions offered a template for dealing with executive compensation at companies now receiving taxpayer money through the bailout approved by Congress this month.

“Once a company accepts tax dollars, there are different rules,” Mr. Cuomo said. “These are taxpayers who did not voluntarily make an investment in these companies. In many ways it was a forced investment.”

The suspension of payments appears to be the product of negotiation between Mr. Cuomo’s office and A.I.G., but last week the attorney general raised the prospect of using New York law to recover past payments to executives whether the company cooperated or not.

A.I.G.’s spending drew national attention this month after two former executives testified before Congress about pay practices and outsize spending that continued even after the company received an $85 billion bridge loan from the Federal Reserve.

One particular point of contention was a weeklong retreat that a subsidiary, AIG General, held for sales agents. The $442,000 in expenses included $150,000 for food and $23,000 in spa charges. A.I.G., which received an additional $37.8 billion loan from the Fed, later canceled 160 conferences and other events that would have cost more than $8 million.

[PS: I think I like Mr. Cuomo.]

On Taking Responsibility for One's Own Actions

Please note that this rant is based solely on my personal, uninformed opinion, and has probably no basis in fact.

One of my pet peeves is dealing with people who feel no responsibility for themselves or their own actions. It is always someone else's fault. Even axe murderers get off with a hand-slap because they came from a battered childhood. Puleeeze.

So imagine my joy when I hear all this silliness about the Government Bailout for the banking mess. Seven hundred Billion dollars of our collective taxpayer money going to what? As I see it, we would be helping:

(1) The Banks. The banks who were stupid enough to loan money to people who could not afford to make the payments. I had one Real Estate agent explain some of the creative financing to me, and I tell you, it is crazy. Let's say you want a loan for $300,000 (I am making up all these numbers), and the payment on that loan would be $3000 per month. You are given the option of paying (a) $3000/month, (b) interest-only, say $2000 per month, or (c) what you can actually afford, say $1000 per month. So let's say you pay the $1000 per month...what happens to the rest of your monthly payment that you are not paying? It gets tacked on to your loan. The one that you already cannot afford. Now the bank is on the line for a loan that actually grows each month while the homeowner gets to live in the house for next to nothing. This works as long as the value of said property continues to escalate at, or faster than, the amount that the loan is growing. In theory, the house can be sold and the loan paid off.

(2) The Home Buyers. When confronted with a $1000 budget and a $3000 monthly payment, who is stupid enough to agree to a deal like I mentioned above? Anyone with half a brain could see that they simply could not afford that house. I know what the banks will tell you, and they will tell you that you can afford way more than you might be confortable paying. You, the Home Buyer, need to have enough sense to know what you cannot afford, and how to say No.

I see greed here. I see "but I need a house" here. And then the bottom falls out of the housing market. Now the Home Buyer is living in a house they cannot afford, making less than their monthly payment, and The Bank owns a loan that is more than the house is worth, so they panic.

Am I supposed to feel sorry for any of these people? Okay, I am not totally uneducated, nor unscathed by market fluctuations. I built a house in 1980, at the peak of that housing market. I sold that house 5 years later for less than I paid for it. It happens. It was no one's fault but my own.

We had the option of an Adjustable Rate Mortgage. You pay less the first few years, then your rate goes up. I looked at the monthly payment based on the future interest rates to see if, once the rates went up, I was still able to make that larger payment. Then, and only then, would I agree to take an Adjustable Rate Mortgage.

Are all these people so dumb they did not think about the consequences of "what if"? What if the market stops growing this fast? What if the bottom falls out? What if my rate adjusts up?

I guess I just do not understand why this is the taxpayers' problem. I heard that the banks can borrow from the Fed at a low interest rate to get money back into the system and free up some capital. Okay, so why is this not an option?

Here's another one: Home Buyer forecloses - they made some bad choices, so live with it. Banks take over the bad loans. Banks sell the house for the going market rate. Bank takes in a large percentage of the outstanding loan(s). Bank takes a loss. Bank does not fold.

Why - WHY - should I help bail out these banks and home buyers so they can stay in the homes we all know they cannot afford? Could someone please explain this to me? I promise to post a retraction if I am way off base. I just need someone to tell me why these people should be allowed to stay in their homes, and the banks be bailed out, and why no one should take any responsibility for their bad decisions.