Another bit of proof that your banker is your friend.

The time between when you write a check and when the money is taken out of your checking account (also known as float) is now down to zero. If you write a check at someplace like my employer (a major big box specialty retailer), the check goes into the cash register and “BOOM” the cash leaves your account. Right then and there. There is no more two or three day grace period for checks.

However, this is still not true for the checks you deposit to your account at the bank. Show up with anything other than a paycheck or a government check, and you have to wait a few days for the money to show up in your account. That means that the bank has free use of your money from the time you deposit the check until the time it finally appears in your account. Now, you can’t tell me that banks that process E-checks for merchants can’t do the same for their customers. If I don’t have a float period anymore, then the banks shouldn’t have one either.

‘Nuff said….

Junk Mail

There is something wrong with this: I just went and looked at the Junk Mail folder for Thunderbird. This is the junk mail that gets through the filtering process provided by my various mail servers. Thunderbird has instructions to delete junk mail after 30 days. That provides me an opportunity (seldom taken) to review what is in my junk folder just in case Thunderbird made a mistake. Today was one of those rare occasions that I did look, but I wasn’t looking because I thought Thunderbird made a mistake. No, I was looking for another reason entirely.

I went and checked my junk mail folder because Thunderbird told me there were 862 unopened emails in that folder. That is 862 offers for Viagra and other worthless dreck. That 862 doesn’t include the regular ads I get from places like Amazon, Buy.com etc.- ads that I glance at before moving one.

All I can do is shake my head and marvel at the venality of the human race. First, the greed, avarice and lust (3/4 of these have to do with sex in one way or another) of the people flooding the net with these broadcast emails. Second, the stupidity and/or desperation of the people who actually answer these ads has to be enough to make it profitable to keep sending them out. And that is the key. If people just stopped answering these things, sooner or later the spammers out there would run out of money, or just get discouraged from the lack of results, and they would stop.

Yeah…like that would ever happen.