Wednesday, May 30, 2012

Wells Fargo's Credit Defense Is a Scam

J. Wellington Wimpy:
"I will gladly pay you Tuesday for a hamburger today."

Because I am a "valued customer" with the Wells Fargo Bank, so to speak, the latter issued me a free Visa card, an ATM card, and a host of other nice-to-know but not very useful services.

Recently, I used the new Wells Fargo Visa card while traveling through the southwest. When I received my monthly statement, I noticed a strange item billed as Credit Defense. After some inquiry, I learned this billed item was an insurance of sorts. If for some reason (e.g. illness or unemployment) I weren't able to pay off the credit card charges owed, Credit Defense, as claimed, would, could, or should protect my Wells Fargo credit standing for up to nine months. The Credit Defense insurance fee is determined by the amount owed, or $0.69 per $100.00. The details are sketchy as to what this Credit Defence insurance is and how the policy works.

This Wells Fargo scam is analogous to Wimpy's hamburger scheme: I am billed for a service I neither need nor want to pay in the first place. Then it is up to Wells Fargo to guarantee my Visa card credit worthiness - however, whenever, and if.

Look at it my way. The more times (even one time) I use the Wells Fargo Visa card to make purchases, I will be penalized accordingly - protected as Wells Fargo would want me to think and thank them - by the Credit Defense fees. Relative to the recently enacted profit limiting credit card law, Wells Fargo is looking for ways to make money through other ancillary services. By unscrupulously adding the unauthorized Credit Defense fees to credit card charges, the bank schemes to squeeze more revenues from its customers. As for me, there is no incentive whatsoever now of my using the Wells Fargo's Visa credit card. I will stick with my other credit cards.

It's presumptuous and patronizing of Wells Fargo to add this unwanted Credit Defense fees at MY expense. I called Credit Defense (a third party insurer or insurance administrator working for Wells Fargo) and the bank's customer service. I gave them the "what for", and voiced my utmost displeasure about this unethical practice. Wells Fargo, not admitting to any faults, agreed to cancel the Credit Defense fees.

What a farce and a ripoff is this Credit Defense. If I see Troy Aikman and Hulk Hogan together doing a Wells Fargo television commercial on Credit Defense anytime soon, I'll change my banking services. I have already stopped using my Wells Fargo's Visa card. To boot, I also shredded its ATM card for safe measure.

Saturday, May 26, 2012

Parked Bumper-to-Bumper to a Maserati


When I pulled in to O'Brien this afternoon, I parked in a space across from a black sport sedan, I saw an uncommon trident emblem. I did a double take on the emblem mounted on the grille of the car. It ain't a Honda like mine, that's for sure.

I had never seen a Maserati on the road, let alone one that's parked up close. Here it was, a 2012 Maserati Quattroporte Sedan. It's MSRP is starting from $127,250.00. My chance of encountering such make of a knight rider at rest again is like seeing the Halley's Comets twice in a lifetime. I walked about this fine beast to look at the S-Model body style certifying its 4.7-Liter V8 virility. Except I didn't touch the body (the car alarm was armed).

Back to reality. I went to O'Brien for the watermelons advertised. I gave the Quattroporte one last look and put the Honda in reverse and eased out of my parking space. I never looked back at that beautiful black stallion.

Monday, May 21, 2012

21 May 2012 - Hot Air Balloon Ride, ABQ, NM

21 May 2012
Place of Ascent: Albuquerque, NM
Time of Ascent: 0630 hours
Landmark: Rio Grande River
Maximum Altitude: 4000 ft/1219 m
Flight Distance: 13 m/21 km
Flight Time: 1 hour 10 minutes







- a L'envoi iPad 3 post

Sunday, May 20, 2012

A View of Sandia Mountains, NM

Hyatt Regency Tamaya
Bernalillo, New Mexico

Sandia Mountains, View from Hyatt Regency Tamaya

- a L'envoi iPad 3 post

20 May 2012 - Annular Solar Eclipse

Hyatt Regency Tamaya
Bernalillo, New Mexico

Partial solar eclipse began: 6:28 p.m. MDT
Annular solar eclipse began: 7:33:36 p.m.
Annular solar eclipse ended: 7:38:00 p.m.



- a L'envoi iPad 3 post

Saturday, May 19, 2012

19 May 2012 - Bandelier National Monument, NM


- a L'envoi iPad 3 post

19 May 2012 - Valles Grandes Panoramas

Valles Grandes, Valles Caldera National Preserve, Santa Fe National Forest, NM.

Notice the sign on the bottom right of this picture, it marks the the end of this panoramic view my camera captured while moving from from left to right.


The panorama continues from the sign (bottom left of the picture):


- a L'envoi iPad 3 post

Tuesday, May 15, 2012

White Sands National Monument

A panorama taken on Tuesday, 15 May 2012, 1105 hours, at the White Sands National Monument, Alamorgordo, NM.



- a L'envoi iPad 3 post

Tom Lea's 'Rio Grande Painting'

This photo was taken on Sunday, 13 May 2012, 1838 hours, at the El Paso Museum of Art, El Paso, Texas. Laura Bush borrowed this painting from the said museum during W's presidency.

The artist was Tom Lea (1907-2001), who also did many WW II sketches. The name of the painting is 'Rio Grande (1954)'. The plants in the painting were the Yucca and the prickly pears.



- a L'envoi iPad 3 post

Sunday, May 13, 2012

Flying to El Paso, TX

0626 Hours
Departing at Sac International Airport's new Terminal B. Notice on the picture internet connections by the chairs at the waiting area.



- a L'envoi iPhone 4S post

Saturday, May 12, 2012

For Mother's Day, 13 May 2012



Sonnets are full of love, and this my tome
by Christina Rossetti

Sonnets are full of love, and this my tome
Has many sonnets: so here now shall be
One sonnet more, a love sonnet, from me
To her whose heart is my heart’s quiet home,
To my first Love, my Mother, on whose knee
I learnt love-lore that is not troublesome;
Whose service is my special dignity,
And she my loadstar while I go and come
And so because you love me, and because
I love you, Mother, I have woven a wreath
Of rhymes wherewith to crown your honored name:
In you not fourscore years can dim the flame
Of love, whose blessed glow transcends the laws
Of time and change and mortal life and death.

Friday, May 11, 2012

Summer Lily in Bloom

Home Garden - Final Summer Lily Variety Bloom
11 May 2012, iPhone 4S

Thursday, May 10, 2012

Dmitri Tiomkin's Birthday Anniversary

Among the movie industry notable birthdays on today are:
Fred Astaire (10 May 1899 - 22 June 1987)
Max Steiner (10 May 1888 - 28 December 1971)
Dimitri Tiomkin (10 May 1899 - 11 November 1979)

Battle of the Alamo (23 February - 6 March 1836)


Dimitri Tiomkin
Russian-born American film score composer
(10 May 1899 - 11 November 1979)

Stanley Black, His Orchestra and Chorus (1972)
The Alamo Medley (Tiomkin)

Click here to view this L'Envoi YouTube.