Pointless Goverment Agency Of The Month:

October 30, 2009

Uspslogo

           The United States Post Office has been around for more then two hundred years, and I am sure it has served us well the past. I am not writing this to complain about the price of stamps or to bad mouth the postal service. I just don’t think the government should be in the business of providing such a service.

            The reason that the USPS is still around is because it is illegal for any other business to compete with them. You read correctly the USPS is alive and somewhat well today because of the government sponsored monopoly that they hold on first class mail. Those business class envelopes that you get your bills in every month by law can only be delivered by the USPS.

180px-Envelope_-_Boonville_Address-000 

            Recently I went to the USPS to mail a book and waited 15 minutes in line. I expected this and was not thoroughly annoyed at the process. The lady at the front was nice, and courteous. The problem was that for some reason the post office closes at 5, and everyone was trying to get their mail in before it closed.

            A week later I had to mail something via Federal Express. I walked in, handed the lady my item, which she promptly dropped in an envelope and mailed. I was out the door in under a minute.  

            Now this could have been a coincidence, or I was just in a really good Fed Ex store on a really good day, but I doubt it.  Let us take a look at a little big of the financial history of the USPS, and ask yourself, would you buy stock in this company? This is the only company in the United States that is legally allowed to hold a Monopoly

usps

 

 

 

 

 

 

 

 

           You might be saying that I am full it, and that the USPS is a wonderful organization employing hundreds of thousands of Americans. But let me ask you a question, do you enjoy going to the post office? How about the BMV? Perhaps taking a trip to the Social Security Office to brighten your day? Do you look forward to making visits to those places with all the smiling grouchy people? Or would you rather have your fingernails ripped off?

            My argument can be summed up in this: Government organizations are traditionally much worse at accomplishing their goals then their private counter parts. Most of the time the only reason we have such organizations is because privatizing the industry would just not make practical sense.

            We should remove the “Legal Monopoly” that the USPS enjoys and divest the federal government of delivering first class mail. Or simply allow the USPS to try to compete with Fed Ex and UPS. For some reason if we allowed that to happen I don’t think the USPS would be around very long at all……


Smells like……..Victory

October 16, 2009

 

 

 

I win! IT’S ALL OVER, JonBon Wins!!

 

 

Vj_day_kiss

So if you’re an avid reader, you would know of my troubles with my Chase Credit card.  But you’re not an avid readers of JonBons Money, because I am pretty sure I have none.

 

My troubles can be found here:

 

Chase is Bush League

Chase is Bush League Part Duex

 

 

Now to summarize: I opened a Chase credit card for one year of 0% interest so I could buy an engagement ring for my soon to be wife. This craziness all started with me trying to make an online bill payment and getting my bank account number wrong as I was typing it in. Yes that was clearly my fault, but I felt it was unreasonable to charge $39 for making a simple type-o on Chase’s own website.

 

There has been extensive contact between Chase and myself, and frankly I am not even sure how many, how often, or even what was said. But it went something like this.

 

Email, Email, Email, Phone Call, Email, Phone Call, Dispute Letter, Better Business Bureau, Letter, Phone Call

 

As of today I saw this on my online account.

 

Trans Date  Post Date   Type          Description                                             Amount

06/22/2009 10/15/2009 Refund   RETURNED CHECK FEE REVERS(Other)  $-39.00

 

 

Needless to say I probably spent many hours of my time over 4 months trying to get this charge reversed, this is time that probably could have been spent more productively doing other things.

 

To me it was not about the money, or the time. I felt like I had been wronged by Chase, and I was not willing to sit around and let that be.

 

I have a feeling the complaint with the Better Business Bureau had the required weight to make this matter fall in my favor. So I am actually happy with Chase now, although we will see if I decide to keep the card open after I pay off the ring. I at least went from “Definitely closing” To “Maybe keeping”

 

Anyways, Thanks BBB!!!

 

Cheers…..


Follow

Get every new post delivered to your Inbox.