There is only One

Saturday, August 25, 2007

Nickel and Dime again...

Just booked a rental car in Seattle via Avis. The rental rate is $64.71 - great deal. Copays and surcharges are $27.51, yes 42% of the rate is added on. Then they charge tax on top of the surcharges - this has got to be illegal, most certainly fraudulent! A good deal just went horribly wrong. It certainly is disgusting customer service and I don't like it one bit. But I am the little guy, they are the big 10,000 pound gorilla and all the other rental agencies cartel it the same way. They win, we all lose, again.

Gaaaaaaaaaaah!

Thursday, June 14, 2007

iBank: Congratulations

Looks like I picked it again, iBank 3.0 came in runner up for the Best Mac OS X Leopard Application at the 2007 Apple Design Awards 2007. I like this product, heres hoping the Leopard version just rocks! Congratulations Ian Gillespie and all at IGG.

Tuesday, May 29, 2007

Nickel and Dime

Stipulations: I am not an American, I live in New York.

There seems to be a cultural acceptance in the USA of the practice of Nickel and Dime-ing, co-paying and demanding tips from the population until death (or poverty!) takes them away from the open palm. I suspect that the average citizen has been worn down to the point they just pay up. Over and over again, nickels, dimes and more commonly, one dollar bills are handed over for no valid reason. Sigh.

I get a mobile phone service for $59.00 a month including 2 lines and about 600 minutes. A good deal it seems. My bills average $82.00 a month. Huh? The deal was for $59.00 - what gives? Examining the bill shows additional charges of a dollar or two here and a dollar or two there for taxes and fees and co-pays on each line (see AT&T or WirelessGuide). Searching the net shows that some of these so called taxes are 100 years old and have been cancelled. And several seem to be just plain made up by someone smoking crack. The phone network provider gave me 2 choices, pay up or pay up and pay an additional $150.00 to cancel the service! They said the additional fees were not of their doing. Yeah, right!

The power bill has them too...like a dollar to allow you the choice of power providers!!! In my building in New York there is only one, so why pay extra for the choice between them and, well, um no one else!

Buy a flight ticket, pay a fuel surcharge, an airport fee, a booking fee and a federal tax. Why can't they just give me the price when they already know the how much fuel they will use and at what cost (many purchase fuel future contracts so that they know the fuel price long in advance!) and which airport the plane leaves from. More dollars....

Order delivery from Amazon, get a delivery fee on the web and a surcharge when billed. More dollars....

Use another bank's ATM, $1.50 (yet my other non-US bank does not charge this)...

Use a credit card overseas, add 1% (again, non-US cards do not carry this charge!)...

Receive a mobile call, get charged...even for the spam ones...

Send a text, 10c, receive a text, 10c, add a picture to the text, 25c...

Free wi-fi, na-aaahhh....

Write a check, money goes out on day 1, in to the receiver on day 7, they get 6 days interest on the float (I use free wires from my non-us bank instead - instant!)...

Eat a meal, tip, leave your coat, tip...

Six people eat a meal, tip gets included on the bill and you're still supposed to leave a few dollars...

Take a taxi, tip...

Walk in to a hotel, tip, enter your room, tip, sleep, leave a tip on the bed...

Got a doorman, gardener, manicurist, tip....

My wife goes to a salon, gets her hair washed, tip, dried, tip, colored, tip, cut, tip, and then still has to pay for the haircut!

Gaaah! I want to stop being nickel and dimed and dollared to death. Give me a price and stick to it! No more! No less! No muss! No fuss! Leave me and my rapidly depleting wallet alone!

The hiltmon has left the website....

Why I use a Mac

I read Paul Kafasis' article on why he uses a mac, and although his article is insightful and funny, his reasons are different to mine.

I work in corporate IT, programming in C# on Windows XP (bored yet?), supporting a network of windows servers. I spend all day programming, troubleshooting or maintaining systems. At least once a day, one of my users has a problem with an indecipherable error message, a virus, popups, or just trying to do something thats denied by default on windows XP.

At home, things are different, My wife and I both use Macs. I never have to deal with the same issues as I do at work. I just use it, it just works. Its why we have Macs at home.

Most of my friends and family have windows computers (I have converted a few to the cause!). I watch how they use their computers and when I show them the Mac way, they love it, and then continue using windows.

For example, almost all have photo libraries. Without exception, they save their photos in a folder structure that is set up manually. Several have Picasa installed but still use the folders. There is no tagging, no search, and all their picture file names are incomprehensible. I use iPhoto, it manages the files for me, I tag and name the pictures and I can search with ease. Thats is why I use a Mac.

For music, most of my friends use folders too, a few with iPods use iTunes.

None of them have experienced a video chat yet (and more than half have webcams!).

When I show them RSS (built into safari or even more impressively I show them NetNewsWire) they start drooling, they still type in web addresses over and over again to get their news. None use tabbed browsing.

For email, they all pay extra, a lot extra for Outlook. Outlook drives me insane (yes, I use it at work too). It reformats emails by removing line breaks at random, blocks access to many attachments, and has warnings all the time about html email formatting. And whomever decided to make MS Word the default editor for emails deservers to be spayed! Its slow, ugly, expensive and the PST file format is proprietary. On the Mac, I use Apple mail, its single purposed, fast and does not get in the way of reading and writing email. Thats why I use a mac.

I also watch my friends when they are just puttering around. They seem to spend a lot of time doing maintenance, moving files, renaming things, reorganizing, or just plain trying to find stuff. And waiting, waiting, always waiting while they search, looking at an hourglass as the anti-virus slows them down. I spotlight, and thats why I use a mac.

I really have no need to delve into the following stuff, the 'Get-A-Mac' ads from Apple or the blogosphere cover them adequately:- spyware, malware, trialware, nagware, interceptware (like the Dell DNS interceptor), anti-virus, anti-spyware, memory protectors, Genuine Windows Advantage (people buy Vista knowing that they can be locked out of their own computers by Microsoft - don't get me started!), DRM, running as an admin by default - are you nuts! My 2 year old work laptop is barely functional with all that installed. My 4 year old powerbook G4 flys better than when it was purchased (I am writing this on it now flying over the Caribbean sea!) That's why I use a Mac.

Oh and it is darn pretty Paul.

So why don't they switch? The excuses range from 'I am used to it' (I say switching is easy) to "I need more buttons on the mouse!' (You can) to "Its more expensive!" (Not!) to "But I need X software" (which they either never use or there is a Mac equivalent!). I make no excuses, thats why I use a Mac.

The hiltmon has left the website...

Wednesday, March 14, 2007

Personal Money Management Followup

Its almost a year since I last wrote on the topic, Macintosh Personal Money Management Software and things have changed. I purchased a new Mac Pro and Quicken was never installed. Instead, I migrated to iBank 2.0.

So what made me do it? iBank 2.0 came out!

It handles

  • Multi Currency. Not available in Quicken Mac and I have money back home and here.
  • Loads bank statements the same way.
  • Tracks my stocks and mutual funds in various currencies.
  • Backs up to .Mac.
  • Better Mac-like interface.


6 months on, and I am satisfied! If you still use Quicken, you are just encouraging their belief that Mac users will still buy their products even if they do not change it for years and ignore their customers pleas for features available in their Windows version. iBank works.

I am also keeping a beady eye in Cha Ching, but it has a ways to go....

The hiltmon has left the website...

Sunday, July 16, 2006

Ghosn and GM

Its been announced that Wagoner of GM and Ghosn of Nissan-Renault will talk, and in about six weeks or so, we'll see if GM joins the Nissan-Renault alliance. Light goes on - So that's why Kerkorian was buying so many GM shares!

Its an interesting play. Ghosn needs to expand production because Nissan and Renault are both topped out on capacity and growing, GM has oodles of excess capacity and no-one wants their cars. Using GM's excess is far cheaper than buying new capacity, and the deal is sure to leave GM's union problems squarely on GM. Its upside to the alliance, downside to GM. On the other hand, Nissan and Renault have oodles of design talent, and not enough models to design, GM needs new models. Badly. Desperately. Even in its home market! Its a perfect match.

Power-wise, this screws Wagoner. Ghosn will effectively run the alliance no matter what actual structure is put in place. The market listens to him. The market likes him. He has already proven himself up to the task twice. Wagoner will not give up without a fight. And I think that's why Kerkorian bought all those shares, so that he can punt Wagoner when the deal is done.

Where's my GT-R, Carlos, I'm waiting....

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Sunday, April 30, 2006

On Crippled Phones

As a technologist, it pains me to see technology crippled by vendors just so that they can squeeze another buck off of Joe Citizen. To me, the true benefits of technology are only achieved when the user gets the full benefit of that device.

So, for example, when you purchase a top-of-the-line mobile phone anywhere in the world (except the USA), you get the best technology available from the manufacturer of that handset. As a result, you are a happy customer, you use it, show it off and recommend to your friends to use the carrier and their cool new handsets. Good for the consumer, good for the carrier, win-win. And they know it!

Not so with a certain Carrier in the USA. They advertised and promised to provide a cool handset with all the trimmings (the best that Motorola could and did make at the time - think Bluetooth sync), they then crippled the phone so that none of these features worked. They lied to their customers that they would rectify the issue with an update (blaming Motorola, who kept quiet because they sell a lot of handsets through this Carrier and did not want to lose that business), lost a class action suit on the issue, and squirmed their way out at the end with a settlement that provided no material compensation to their victims, er customers.

But did they learn a lesson? I mean, is it not the purpose of the courts to provide justice and to see that the bad guys get punished, learn their lessons and do not do it again? I must be naive because the Carrier got away with it and did not seem to be punished or learn a thing.

The new RAZR from the Carrier came out with all the cool stuff in a software release v02. So far so good.

Oops, turns out that was an accident. The Carrier pulled this handset as soon as they realized what happened (many lucky customers kept theirs) and released a very crippled version v03 that killed all the cool stuff (no bluetooth sync). And now they released v04 that simply accepts that those customers who had v02 can keep the cool stuff and still get upgraded, but the v03 users remain as crippled as ever, but the bluetooth fairy headsets work. Basically, if you, like most, got a v03 phone, no cool stuff for you. But the character next to you with the same handset from the same Carrier gets it!

Why do they do it? They say its for your own security. Horsepukky! Bluetooth functionality in Motorola handsets does nothing unless the two devices are properly paired and the user has to do that manually - you have to put in a code when pairing or nothing happens. Hackers cannot get in without you allowing them in and in Europe, where everyone has a bluetooth phone, and in the USA where other carriers have the same handset, there is no issue, no problem, no hassle, no nothing. Just FUD (Fear, Uncertainty and Doubt) issued by the Carrier. Horsepukky I say!

The Carrier simply wants its customers to pay a buck here and a buck there to get their photos off their handsets (yes MMS costs extra) or to download (and pay for) music and ringtones using their service instead of allowing the customer to use their own music or a competitor. This is bad for the customer, they cannot use their phones properly and bad for the Carrier in the long run (but they seem not to know it!).

Carrier, you know who you are, please uncripple your phones. You are the best carrier in New York when it comes to service and coverage, and the worst carrier when it comes to phones and cost. And readers, do me a favor, if you have a choice in carrier, go with the one that does not cripple their phones. You will be happier with them, and they will get more business from you.

The Hiltmon has left the website...

Saturday, April 15, 2006

GTR-Proto in 2008

Carlos Ghosn stated at the New York Motor show a few days ago that the new GT-R will be available in the USA as the Nissan GT-R (Yay!) in 2008 (Boo!). Its a long wait, better start saving for it now!

The hiltmon has left the website...

Macintosh Personal Money Management Software

Sometime in the early 1990's, when I started working, I decided to get some software to manage my personal finances. I had a paycheck, but had no idea where all the money went every month. I knew I paid rent, phone, power, ate food, bought clothes, partied (a lot!) and at the end of the month, seemed to have no cash left over. Sounds normal for a kind in their 20's.

I bought Microsoft Money (I was using Windows in those days). Money allowed me to download statements from my bank and track where it all went. Seeing my Net Worth report in those days was a depressing sight. I persisted and got into the habit of tracking my income and expenses using Money. It was easy to use, easy to see what was going on and easy to better manage my meagre budget.

Tardis to 2002 and you'll find me migrating my old data from trusty Money to Quicken on the Mac. Not so fast, Hiltmon! You see, by then I was employed out of Hong Kong and living in Japan. Money had no problem tracking my still meagre bank balances in Aussie Dollars, Hong Kong Dollars and Japanese Yen. But Quicken for the Mac is single currency and could not load in all my accounts from Money!

Intuit's web site recommended creating foreign currency accounts as investments and then manually putting in the exchange rate to value that investment. As if that was a smart solution! Not! You cannot transfer money between one account and another that way, you have to manually create a withdrawal from one and a deposit in another. You cannot have securities in a foreign currency (like Euro stocks in a US dollar account). And you have to go through the process of manually re-valuing each account every time you want to get a full picture. Hassle factor - high. Yuk!

Since it was all that was available at the time, enter work-around stage left. I created a Quicken file for each currency and managed each separately. Whenever I want a Net Worth report, I copy the balances into Excel and add it up. Hassle factor - medium.

Rumors on the web at the time had it that Quicken would match the Quicken for Windows feature set in the next version for Quicken for Mac (Quicken for Windows is multi-currency and can do all of the above). Nope, not happened! Not the next version or the version thereafter. What gives Intuit? Huh? Selling a product on two platforms with the same name and different feature sets! Mac users are not good enough? Gaah! Get smart and match feature sets, no more money from me or anyone I known until then!

I have recently been researching alternative software to get me back to the same functionality as I had with Microsoft Money but for my Mac. The top two these days seem to be MoneyDance and iBank. I have looked at both for a trial period, and they are both excellent software products. However, they still don't get close to Money.

MoneyDance is full featured and very popular. But, its not Mac software and I find the interface non-intuitive and quite frustrating. iBank is much more Mac-like and easier to use. Both handle foreign currency accounts in the same interface, both allow for management of portfolios and investments, and both import data just fine. They all do budgets and credit card tracking and all the basics. I feel that MoneyDance has the edge in reporting and I do like the idea of using plugins to get prices and rates so you can change the source. iBank has the edge in just plain usability although it does seem to have some rough edges and odd interface inconsistencies too.

So what is stopping me from leaving Quicken behind and switching? Well, MoneyDance fails my esoteric view that I want a Mac-like program, and iBank does not handle investments in more than one currency (nor do both store historical prices which I do use in Quicken to see portfolio performance). Microsoft Money on Windows is still the leader in personal financial management software and until hell freezes over and Microsoft releases it for Mac or Quicken, MoneyDance or iBank get a matching feature set, I'll save my money and use what I have got. Or write my own...

BTW Virtual PC, Windows and Money was tried and rejected ages ago! Costs too much!

The hiltmon has left the website...