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Still ponying up for ATM fees at other bank ATMs?  Let me introduce the Keep the Change^® Keep the ATM fee™ program by E*Trade Financial (not officially called that...but I think it sticks). If you can believe it, all E*Trade account holders with checking accounts enjoy unlimited ATM fee refunds at every ATM nationwide (over 383,000 of them). Before I lose your attention, please save some money by opening a modern account with E*Trade just to take advantage of this feature. If you're like me, you'll frequently find yourself in situations where you have to make a withdrawal from another bank ATM. And if you're like me, I'm sure you hate paying extra for the convenience. That's why I joined E*Trade about two years ago. Before I forget to mention, their trading platform rocks bunkers. And you can transfer money between accounts in different banks thru E*Trade online banking. I know this is not the stone age but Wachovia doesn't offer bank-to-bank transfers via online banking (I think). They are still in the stone age. Just a little history before I get to the substance of my current beef with Wachovia.

Disclaimer: I don't work for E*Trade and they have not approved this message. I just love 'em. E*Trade, if you're listening, maybe you can sweep my ATM fee savings into my savings account. That's money I never had. Big ups to Bank of America for matching Keep the Change^® transfer up to $250.

Ironically, when I started writing this blog entry, I didn't plan on endorsing E*Trade. I was going to bash Wachovia for their borderline scam operations regarding their ATM deposit $100 credit. On a positive note, it's very thoughtful to give a $100 instant credit to your account when you make a deposit over ...I'm guessing $100. If you're a Wachovia customer and you make frequent deposits to their ATMs, I'm sure you know what I'm talking about. An example for those that don't know what I'm talking about:

Let's say you have $200 in the bank already when you make a deposit for $700 through the ATM. Your available balance is immediately increased to $300.

So what's the catch? If you're like me, you're like "Cool, maybe I can do some shopping over $200". Let me say that nowhere on the ATM machine balance request notification screen did it say that even though your current balance is $300, you can only spend the $200 in the account till the check has cleared. And even if it did say that, why credit $100 that's not really available? That, totally defeats the whole credit concept. It's like giving with your left hand and stealing with your right when I'm not looking. Long story short, I made 2 transactions over my current balance but still within the stated available balance but I got hit with overdraft fees.

I called Wachovia to dispute the charges and the nice lady (she was just doing her job when I chewed her out --politely with no profanity) gave me a courtesy credit for one of the overdraft fee charges. But still, this can't be legal. If the funds are not really available for use, why give me a false sense of security then pull a "bait and switch type thing" according to Rich from Willow Springs, North Carolina in his February 2, 2008 post on RipOffReport.com. He had the same complaints. Who knows how many Americans have been baited by this false convenience? I'm thinking about starting an online petition or something to maybe get them to inform consumers better. I'm not really sure how to approach this.

If you're reading this, please let me know what your ideas are. And get an E*Trade account and Keep the ATM Fees™ people.

Loud bangs and flashes of fireworks ushered in an air of inevitability in 2008 in the sports and political landscape. It was a foregone conclusion that the New England Patriots were going to cruise to their fourth Superbowl title in 7 years. And then the New York Giants happened to the Patriots (18-1). I can still replay that whole offensive drive leading up to the perfect spiral touchdown pass by QB Eli Manning to WR Plaxico Burress. The New York Giants achieved an impossible feat when they won the Superbowl and prevented the "inevitable" coronation of the Patriots that almost everyone predicted would happen with ease.

Remember when John McCain's campaign was declared dead when he laid off a bunch of his campaign staff when money got tight? We all know what has happened since then. McCain is now the presumptive nominee of the Republican party. Along those lines, when Hillary Clinton started running for president, I assumed she would cruise all the way to the Democratic party nomination. But Barack Obama and America has a different plan. Hillary Clinton has taken all the big delegate states winning 8 states along the way so far. However, Barack has racked up 13 very impressive wins in states all across America while getting young people from different races and backgrounds involved in the political process. Even though he trails in the total count of pledged delegates, his campaign is gaining momentum.

By uniting people across all states - Democrats, Republicans, and Independents, he will provide the leadership necessary to bring about change desperately needed to lead our dear country off the abyssmal path we're charting on. There's no doubt that Obama is sailing through on the wave for political change in America because we are ready for something different. Take a stand for Universal Healthcare, Education, Peace, Diplomacy, Clean Energy and Civil Rights. If you're in one of the upcoming primary states, vote Barack Obama for change and make your voice heard. Only time will tell the exact sequence of events leading to a happy fairy tale ending - just like President Clinton predicted (he just didn't know it was going to be a happy ending ).

Join Barack Obama - Change We Can Believe In

60 minutes on CBS featured a story of the Iraqi defector known as "Curve Ball" a.k.a Rafid Ahmed Alwan. According to the story, "Curve Ball" provided intelligence about one of Saddam Hussein's "non-existent" WMD programs. This so-called compelling story helped forge the case Colin Powell gave before the United Nations weeks prior to invading Iraq.

I can start off by saying how incompetent our government is but I'll take a different approach to this. If you ask me, I believe Bush and his croonies always planned an invasion of Iraq. They never found any evidence to substantiate WMD claims. Even intelligence reports from other foreign agencies discredited any analysis that suggested that Saddam was brewing lethal weapons in his back yard. And I don't believe that you're stupid enough to think that some unknown Iraqi character (probably paid by the U.S. government to concoct fake intelligence) was so compelling that he brainwashed the whole intelligence community. This war has never been about WMD's so let's stop beating around the bush.

This war is about oil. Crude oil. If you're not living on Mars, you know that Crude oil is headed for $100. And with the growing demand for oil in the US, India and China, $100 barrel oil is here to stay so get comfy. I'm cranking up my plans to purchase a power bike as we speak. President Bush is just doing us a favor by invading Iraq (and lining the pockets of his warmonger buddies in one fell swoop). As Commander-in-Chief, he has to take step to secure our future. Our future as we see it: Big gas guzzling SUVs and monstrous homes in surburbia among other things. We just wish that lil' Bush had a bit of an imagination. If he did, he certainly would have been more diplomatic with the land grab in Iraq.

Ultimately, we got what we wanted: a secure oil supply. What we didn't want: No goodwill in the world, soaring deficits, and a depressed U.S dollar. What everyone knows but won't admit: The U.S. is never leaving Iraq. And no matter what the presidential candidates say now about leaving Iraq. They're lying through their teeth. Bookmark this post and contact me in 5 years. Those U.S. oil fields in Iraq...oops...I meant Iraqi oil fields are not switching hands anytime soon. And that's what this war is about. Don't fret. You voted for him or didn't do enough not to get him elected. If you want to do something about it, start by curbing your energy consumption. Then, vote for a more diplomatic and fiscally responsible land grabber.

"Curve Ball"...yeah right. Whatever!