Well, for all of you who has started to follow me, I want to tell you of the hiccups I have run into this evening. I was looking over my Pay Pal account. As many of you who use Pal Pal for whatever shopping site you may buy from you may have noticed the new and improved aspect of Pay Pal. They actually took something that was very simple to use and changed their format which was suppose to make THINGS SIMPLER. In all honesty, they made their format a tad bit complex for the average person to use.
Their “new” look is somewhat simplistic to look at, but to maneuver around can become confusing to many people no mater what their intelligence level is.
Since I myself tend to “MAKE WORK SMARTER NOT HARDER” or some of you may refer to it as KISS=keep it simple stupid====they have now made it to where your everyday person has to jump thru more hoops when trying to communicate via their messenger system or even over the telephone.
Pay Pal is structured as a “pay by account” for many and also as a “pay forward account” for those who wants to break that payment down into 4 payments or by extending that payment out for 6 months. They also have it as a Credit Card Account.I myself have all 3 and their New Improvements have taken 2 aspects and rolled it into one.
It was that way, but their new improved changes did not incorporate a way to go into those pay it forward payments to where you can simply be on your account and click on them to make payment or pay it off early for older transactions that you had done prior to this NEW IMPROVED change they recently implemented.
In order for me to do certain things on PayPal/Synchrony Bank, I received an automated email advising me my monthly payment had been changed back to the “STANDARD” payment which causes you to incur additional finance fees. So I called the number on the bottom of the email and the telephone prompts have also been changed to take the Simplistic aspect away as well. The prompts you have to push just makes you run around their automated system which as every knows is all so aggravating and frustrating for anyone no matter what their individual intelligence level is.
Yes, many of you are laughing and thinking to yourselves, Peggy is an idiot ! Well, Peggy is not an idiot but a realistic and a simple person who does not like to work hard, but work smart. The people who does these sort of changes for the Corporate and Investors, like to make everyday people who no longer work or someone who does not understand the inner workings of Finance to basically want to throw their telephone out the back door. YES, I can be one of those types of people if I wanted to! But I have good common sense to realize how they work. Afterall,I worked in pretty much all forms of Finance as well as various sorts of Collections/Billing over my entire adult life from age 21 up till 2006 when my brain could no longer handle all the stressors that my mind encountered from the age 14.
One thing from my mom, she always said that her doctor told her to do, when she finds her mind becoming blocked up or over- stressed for whatever reason, she needed to think as if her “Tea Cup” had reached the top and she needed to partially empty it out. Make perfect since for someone who has a great deal of Common Sense ! My mother Julia Elizabeth will be turning 92 on 25 June 2021. By doing her Genealogy she is the only person within her lineage that has lived this long in the past 200 plus years.A Little bit of Genealogy I inputted !
I was on the telephone not only with PayPal but also with Synchrony Bank that handles the Credit card aspect.Needless to say the PayPal customer service rep., did not want to put on her calendar to do a follow up on the 14th to assist in the disputes and changes that had taken place to make sure these aspects would show resolved on the 14th. Instead she opted to hang up on me. I wasn’t raising my voice or even sounding in my Finance tone, demanding. YET she hung up on me. Go ahead an laugh, I would be if it were you writing this !
Same instance or similar instance with PNC bank this afternoon over 3 charges that showed up while I was online checking our bank account. They too do not allow their Customer service reps. to have the capabilities to enter the changes that needs to be completed with the customer on the telephone.After explaining to the Customer service rep that these 3 charges are ones that were CANCELED with the companies 3-5 months ago, I wanted to prevent said charges from coming out after midnight tonight. PNC bank when they bought out Liberty National Bank and or Citizens Fidelity Bank here in Louisville Ky back in 1992 recently changed their regulations for all Grandfathered account holders such as I am, to now disregard our grandfathered accounts and specialties associated with our accounts.
Yes, you read that correctly. IF you know banking and the Finance industry as I do then you will have no problem understanding what I am typing here.
Common Sense that has been thrown by the wayside not just Corporations and their Investors but also individual mangers or sub owners of various paid entities that are part of Franchises.
IF you look back over the past decade-10-15 year time span and have followed like I have all the various changes that have taken place for basically all Corporations you will see how they have been babied in the past Presidential administrations.
For us normal people who make or our spouse’s/significant other’s live paycheck to paycheck, you will remember that 27% when it comes to TAXES. Yes, we fell into that category and when it comes time to file taxes each year for that year, we no longer could take credit for charities we contribute to all the way across the board to Union dues and prescriptions and doctor’s visits we pay a co-pay for out of pocket.
Now that we are under a NEW ADMINISTRATION, this aspect has not been changed back for us as of yet. Also during the last administration the Postal Service had to raise the cost of the postage stamp from 35 cents to now I am told is near or at 55 cents to mail a letter in the mail. This is not due to standard Cost of living, this is due to both Bush Administrations taking monies out of the Retirement coffers that the post office workers paid into and not paying it back into it along with the interest that was lost as well. If you look back to the Regan administration, monies was taken 2 times from Social Security and never paid back along with the interest it would have incurred had been left in place.remeber that nice $600.00 check you received during the last Bush Administration? This is why over the past 20 years Social Security according to all the idiots in Washington DC in both houses of the Senate are claiming Social Security will run out by 2037. As a laymen and not in Politics, doesn’t it sound awfully bad for us? We the People? Look at it, all the millions not just in the initial overage they took out but also the interest that was at 13-15 percent down to current day interest by the LIBOR banking rates that are used.If you do not know what LIBOR is, look it up on the computer and what it stands for and how it operates. IT would take me to long to find a more simplistic way to explain it. Not that it is complicated, atleast not for me, but for those of you who does not know what this is and what it does.
I say that due to the only way someone can learn is to look it up. I grew up being told to look up something in the Encyclopedia and for words the dictionary and the Thesaurus. Yes, I am that old a great nearly 63 years old.
With our current day technology we have all the information at the tips of our finger tips or in the palms of our hands. Why not make use of it and teach yourself all those things you wondered about and was never taught in school for when we attended school. After all our technology was a colored television set and a calculator……..For some of you that are a tad bit older then I am, you may not have had a television and only had a radio to learn by. My family did not have a television set until I myself was 5 years old when we had our first black and white television. At that time we had 3 channels here in Louisviile,Kentucky and then several years later we obtain our 4th and 5th channels one of those was the PBS channel. Many of you that I have grown to know over the past 21 years on the internet and who are extended family of 3rd + cousins whom I have never met in person except for one 3rd cousin Lehman who himself is in his late 80’s to early 90’s.
Well, I have typed enough and my hands are telling me to get off the computer and my Hip is also telling me to go sit in my comfy chair
My Taylors, Montgomery's and all the Branches 