You are likely being ripped off and overcharged for services that every person should be screaming about. Yet, we have become as placid as cows and sheep going to slaughter.

If you are like most Americans, the logical part of your brain in the financial section of your neural networks is DORMANT and ASLEEP.

Here's why..........

The biggest news these days in banking is 

McBanking

Banks are modeling themselves basically after the McDonalds Chains of fastfood restaurants, by offering branch banking on every corner. This is an attractive way to get customers- simply by being in customer's faces at every turn, the bank gives the illusion of good and fair service. We are everywhere, so we must be good.

Hooked.

Once inside the bank, they sell their services with MODERN CONVENIENCES like

ONLINE BANKING and BILLPAY and VISA Check Cards and ATM Cards  just like the junk food you see on a fastfood restaurant menu.

Here is where the big corporate lie begins.

The LIE is that NONE OF THESE SERVICES take the place of keeping track of your expenses and deposits  in either a plain written register or in decent computer software.

But you wouldn't know it from the 8 FOOT HIGH billboard inside the bank telling you that "ONLINE BANKING IS LETS YOU DO ALL YOUR BANKING CONVENIENTLY and ACCURATELY." This is a Total misleading lie.

Similar services promise to make your banking convenient and easy as well.

All of these modern "conveniences" also make it MUCH MORE LIKELY THAT YOU WILL MAKE A BANKING ERROR.

The Banks know this.

They also know that they are not a risk when you make a simple error.

The also know that the laws have been set up to protect not the consumer, but the bank.

The customer always pays for their error.

The bank NEVER pays for misleading the customers about the limitations and error prone methods they sell as conveniences available to customers.

If a customer makes a mistake- it can CASCADE into a waterfall of fees, that is impossible to stop before it's too late. Just do a Google search and see what people are going through.

Banks make MILLIONS and TENS of MILLIONS of dollars in this way.

One check that bounces, can cause a high overdraft fee, which then causes more overdrafts, which generate more fees, which generate more overdrafts ETC ETC ETC ETC.

Before you can get caught up, you may have had HUNDREDS of dollars subtracted from your bank account, and you will have to pay all of this off, and the bank will NEVER reverse these fees.

It's one of the ways banks are racking in RECORD profits from unwary customers who have made errors- lured into Online Banking, Auto Pay, Bill Pay.

We accept this, just like we've accepted the low quality of service we get everywhere from corporate big business.

The name of the game for big businesses is to REDUCE COSTS, LOWER SERVICES GIVEN, MAKE MORE MONEY and MAKE EVEN MORE MONEY, then REDUCE COSTS MORE, GIVE LESS SERVICE and MAKE EVEN MORE MONEY.

All of the banking "services" being offered are not for the customer's convenience- its for higher profits in the banking industry. The more automated your banking, the more you do yourself, the less the bank has to do, and the less people they need to have on staff, and the more they can pay their top CEOs and top managers.

You lose, they gain.

ALL of the corporate banks are the same. Some are worse than others. But they are all bad.

Chances are they had friendly looking marketing, stage coaches, and warm friendly faces to fool you into thinking they are down home people.

Banks have done a great job in presenting themselves as YOUR FRIENDS.

Don't be fooled. They have one thing on their mind

Making PROFIT.

THE FAIR SOLUTION FOR YOU

We are more and more losing touch with PERSON TO PERSON individual recognition, especially when we do business with big corporate entities.

The days of dealing with an individual person when we buy and sell things we use in life are quickly disappearing with each passing day.

Those who hold on to this way of social/business interacting are being FORCED out of business-- the small stores that are run out of town and driven out of business by Wal-Mart, who offers cheap prices.

We are being fooled, and cutting our own throats because we are failing to value PEOPLE and PERSONAL CARE and REAL ATTENTION.

As the economy gets worse, we have to pinch pennies. The cost of gas, utilities, and other rising costs forces us to shop at parking lot sized merchants, because we can not afford to keep shopping at the corner grocery store.

The people who have been voluntarily elected to government only reinforce this trend-- because they are actually in favor of rising gas and oil prices, non-economical fuel economy, etc etc--- these are their businesses. Our president, congress people, and state elected officials are continually passing new laws- elected officials with big advertising budgets, who lie and fool the uninformed voter, politicians bought and sold by the pharmaceutical industry, big banking, big oil, big business.

Your dollar buys a fraction of the standard of living it did 20 years ago.


We have come to accept the way in which these hugely profitable businesses have manipulated the market and our behavior in the marketplace. These corporations have invented and delivered services such as electronic money exchange, in which have not only become popular with individuals and businesses, but are slowly becoming the ONLY way to do business.

We have been hypnotized into buying big cars that get crummy mileage. big houses. Big vacations flown to on big jets.

In this process of manipulating how we do business, how we buy and sell goods, we then are trapped into accepting the terms of the corporations that handle these transactions.

Rising bank fees-- $33 if you bounce a single check, because the online banking, and plastic checking card seduces you into using and PAYING for these convoluted services in which keeping track of your expenses is actually LESS ACCURATE than a simple check register. Its a poor joke on the consumer. 

Then compound this with banking error fees and credit card interest that jumps to nearly 30% if you are late on one payment.

Government approved.

That's right, your neighbor and maybe you yourself voted for these guys who allow this to occur.

The consumer now assumes ALL RISK. Business has manipulated law into reducing their risk more and more, until insurance companies, banks, gun manufacturers have no risk involved-- and yet see rising profits.

The consumer and worker gets a smaller and smaller piece of the pie- and the CEOs of major corporations give themselves unprecedented raises.


SO--- The question is: how to reverse this trend? How to begin working or yourself and your family, instead of being a slave to Sony, Shell, Citicorp, Wells Fargo.

We all like "things". But we need to think-- Do I really need THIS THING to be happy.

Will you WILLINGLY promise to work HOURS AND HOURS and DAYS and MONTHS for a need giant plasma TV screen? Or will you realize there is

A MORE EFFICIENT WAY TO ENJOY LIFE.

Simplicity.

1) Do business with a REAL PERSON who KNOWS YOU and CARES about you and can actually CONTROL how your money is taken and used, as opposed to a mindless and powerless worker bee than can only do the LAW according to the Corporate Queen Bee.

2) Take your banking business to your local credit union-- where the rates are better, and YOU and other members OWN THE BANK. You will get better treatment, better fees, and better service when you really need it. At least if  you pay a penalty, it will feed the people who own the bank- YOU- rather than an overpaid billionaire corporate bank executive

3) Take your car to the corner gas station or personal mechanic instead of the giant corporate controlled dealer. Heck, start RIDING YOUR BIKE and see what you're traveling past and get
healthy.

What else can you think of that will put you in control of your expenses, your green energy, your interaction with people who get your
green energy?

Think, and be happy.