I have to pay my rent this month and my complex (Polo Village Apartments in Columbia, SC) now requires me to allow direct electronic access to my checking account in order to automatically recover the rent and fees if my check isn’t honored.
On the online payment site (third party) reads the following notice: When you pay by check, you expressly authorize this merchant, if your check is dishonored or returned for any reason, to electronically debit your account for the amount of the check plus a $25 NSF fee and any other recovery fees allowed by the State of Your checking account and any applicable sales tax. The use of a check for payment and agreement to these terms is agreed to herein by pressing the I Agree / Send Payment by Check bar to complete your payment process. Your acknowledgment and acceptance of this policy and its terms are herby legally binding when processed. They also sent a notice (affixed to my door) with a form for me to sign, giving them this access or they would not accept any checks from me in the future. I have never bounced a check with them and I would understand if I had done so in the past. They aren’t singling me out, they are asking this of all their residents. I am rather annoyed that I am being assumed as a criminal when I haven’t done anything wrong. Polo Village should not rent to people they don’t trust — they already do a background and credit check (or at least I was charged for it). Currently my other methods of payment will required some degree of expense on my part — cashier’s check or multiple money orders – since they don’t take plastic or cash. Since this is a new policy, I may investigate this as a breach of contract.Polo Village wants direct access to checking accounts
December 3rd, 2009Looking for good DVD movie backup solution
December 2nd, 2009Perhaps I’m alone, but between Jessica (5 years) and Rachel (2 years), our DVDs don’t last very long. This is very true for the kiddie movies the girls are constantly handling. What I need is a good backup solution for DVD movies. It would be great copy the original kiddie DVD to a backup disc and allow the girls to use the backup until it becomes unreadable in our DVD players. Provided I keep the image of the DVD on my computer, I could just burn another copy to replace the abused backup copy accordingly. It is a bit of work, but considering these discs cost $10-$20 each it might be worth it. With today’s prices on blank media, additional backup copies would cost about $0.25 each and about 5 minutes to burn the disc.
There is one major problem with this plan. It is copy protection. The MPAA and other bonehead groups are so concerned about piracy that they assume all their customers are criminals and thus have copy protection on most DVDs (even kiddie flicks). In addition, they make it illegal to circumvent the copy protection (CSS/Macrovision) with laws such as the DMCA — although this violates access for fair use. The purpose I have would fall into fair use, at least in my opinion. I have no problem with doing. Since DMCA is a US law — companies from outside the United States do not necessarily abide by these strict laws. So, it is possible to download software to bypass the copy protection from sources outside the USA. Of course, this was rather silly because the majority of actual piracy came from places like Russia, China, and other places outside the US anyway — DMCA did not change that at all. The crazy stuff the MPAA and other goobers are up to are a different rant. Since I really doubt the MPAA will give me free DVD replacements as my girls scratch them up, I’m evaluating my options for a backup process. At least until the girls are old enough to take better care of the discs. So far, I’m really liking AnyDVD at the moment, but would like to check out the other options too. Comments on this process are welcome.Giving Posterous A Try
December 2nd, 2009I found out about Posterous (www.posterous.com) from Leo Laporte (www.techguylabs.com) and will be giving this a try. Considering the blog, Facebook, Twitter, and other accounts — it would be nice to have a single place to publish and distribute my posts.
Lake Powhatan Campground Review
October 5th, 2009My family and I recently camped at Lake Powhatan in the western North Carolina mountains, just south of Asheville. Lake Powtahan is currently managed by Pisgah National Forest. Here are some thoughts regarding our stay and the campground. We made our reservations using the US government’s http://www.recreation.gov/ website. It was fairly easy to find a campsite that met my family’s needs. Online reservation process was fairly easy. I will certainly use that website to find more great camping spots.
Overall, I would highly recommend staying at Lake Powhatan campground. On a scale of 1 to 10, I would give it a 8 or 9.
Getting to Lake Powhatan is very easy. Just take I-26 to Exit 33 in North Carolina (one exit south of I-40 & I-26 interchange). Go south on Hwy 191 for about 2 miles. You’ll see a sign for Lake Powhatan Recreational Area and a standard “Campground” sign. Turn right as directed, follow that road for just over 2 miles directly into the Lake Powhatan campground entrance. It is almost the same as getting on the Blue Ridge Parkway from I-26 except you turn for Lake Powhatan just before the turn for the Parkway — which makes access to the Blue Ridge Parkway very easy.
When you enter the campground, you will be the security guards will ensure you have reservations and make a visitor pass for easy access in and out of the campground. Gates open at 7am and close at 10 pm. The guards also sell firewood ($5/bundle) and ice if needed. You can bring in outside firewood, but there are restrictions based on origin of the firewood (see the campground’s website for details). I though the firewood price was a little high but more reasonable than other “on site” campground campfire bundles. However, the security guards did tell us anything on the ground is ok to use, just don’t touch anything still standing/living. We managed to get by with 2 bundles per night with a little hunting for additional wood around our campsite. I would try arranging to get firewood from a local source (Asheville area) and haul it in if I could do a little more advanced planning.
Before we arrived, the campground manager called us and offered to move out to a different campsite than we had originally reserved. The main reason for the call was because of some renovations in the area we originally selected (only electric site left online). We took advantage of the offer to move another couple we were camping with right next to us in our new location. Apparently the campground always keeps certain spots available only for the campground management to reserve (in fact our spot, #75, wasn’t even on the online map). I made sure that tents would be fine on the spot since the powered sites are actually full hookup RV/Camper sites. However, they are gravel (not concrete pads) so tents will work just fine. It was only an extra $5 per night more over the unpowered normal tent sites — and still less expensive than some other unpowered sites in other campgrounds (in the Asheville area).
The site itself was just fine. A good clearing with a fine gravel drive (intended for an RV/Camper), reasonable sized elevated (off the ground) fire pit, power box, water faucet, and sewer hookup, and a wooded area with a large picnic table. Overall, a really nice site. In addition to full hookups, the site was a bit larger than our friend’s “tent only” site — although that looked rather nice for unpowered tent camping. The site was fairly clean. No garbage laying around from the previous campers or other junk that I remember and we did our best to make sure we left it in the same condition. The sites did not feel too crowded together, some are closer than others, but most provide adequate space to provide a reasonable level of privacy.
The campground and facility were very nice. We managed to snag a spot right across the street from a newly renovated bathhouse. The showers were rather hot. In fact, just perfect for my taste. If would not desire the water any warmer than what was provided and it felt so relaxing after a long day at camp. Like the name suggests, there is a lake at the campground. I think they allow fishing, but I’m not certain on any details. They have a beach/swimming area roped off in the lake for cooling off in the warmer months. Picnic tables are everywhere and there are several hiking trails to follow. The only thing I felt was missing was a playground for the little ones. Some nicer (luxury) campgrounds have them, but apparently they are not a big feature on federal land. Go figure.
Management was nice enough to patrol the area periodically during the night to make sure no one was out of line during “quite hours”. The management/staff were very nice and willing to help us find a park that did have a playground for my kids to play for a little while. They also provided recommendations for local attractions, stores, and just about anything else in the area. I found the staff extremely helpful and very warm and friendly.
Other feature of the campground is the close proximity to other attractions in the Asheville/western NC area. From the campground, you can be on the Blue Ridge Parkway in 5 minutes or less. I-26 is less than 10 minutes away. Near the I-26 exit 33 area, you have access to various shopping centers — Big K-mart, Ingles supermarket, and several gas stations. So, if you forget something (like we did) at least you won’t have very far to go.
For our family, if Lake Powhatan only had a playground, we would call it the perfect campground. However, in spite of its minor shortcomings, it is an excellent campground in an excellent area. We highly recommend it to anyone wanting to go camping in the mountains — just bring your own entertainment for your kids.
Million Dollar Baby
September 6th, 2009We (me and Ledy) just finished watching Million Dollar Baby. Gosh, I feel like I’ve been in the ring a few rounds. I should have known — Morgan Freeman was in it. Most of the movies he’s in really make me think or at least take an emotional toll on me (ok, a few exeptions). Not all his films have a happy ending. Some are bittersweat. I think think this one was that way at all. I thought the ending was rather depressing. Sharing much more would give away to plot and ending. I could say I enjoyed watching it — but I’d be lying — it was a rather painful story to see unfold, especially once you become attached to the characters in the story – however, I would recommend it to others. It is rather though provoking and does touch a very sensitive issue at the end. I personally disagree with the ultimate conclusion/decision made by the characters involved — for those that I now me and my background will understand when you see the movie. Although the characters personally wrestle with this, I don’t feel like any social issue is pushed on the audiance — instead this issue becomes one of the main character’s last great fight. With all that, I certainly recommend the film, but it is emotionally brutal.
The Usual Suspects
September 6th, 2009I watched The Usual Suspects today with Ledy. First of all, the language is horrible (lots of F-bombs flying) — it is a mobster/criminal mastermind type flick. Although, I though the language could still have been toned down a bit. Besides that, it was a very good movie. It was a little difficult to follow from the beginning — it takes a “flashback/flash-forward” approach to telling the story. It got us drawn into the story once the storyline and plot developed a bit. Everything starts falling into place and you have everything figured out by the end — or — do you? Gotta admit, I didn’t see that coming.
First bill from CHOA — ouch!
August 17th, 2009We got our first bill from Children’s Healthcare of Atlanta — $20K just for the cath. Wow, I’m sure glad I have insurance! We haven’t gotten the big bills yet — I’m guessing around 150K when it all gets here. I have an 80/20 plan with Aetna and an in-network cap of 3K per person — I’m sure we will be hitting that. I’m glad we have an FSA too!