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Josh discovered a mysterious $13 fee on his parents' phone bill, and as he tracked down the source of the bogus charge, he learned a lot about cramming. The FCC describes it as "the practice of placing unauthorized, misleading, or deceptive charges on your telephone bill" by third party companies, who bank on you being too confused/distracted/annoyed by your hard-to-read bill to notice.

Read his story here.

My main reason for digging this besides warning (or reminding) you about this practice was the first comment after the article:

Just another example of the disparity between corporations and people. Corporations freely get away doing things that people would go to jail for.

Though the Virgina legislature examined payday lending, they only solution they brought forth was to limit them as far as interest rates and repayment periods. However, at least one small town has kicked out payday lenders via zoning laws. While this may not rate "big news" it is good news and caught my attention for this alone:

The sole proponent of amending the zoning was Randy Phelps, manager of the Advance America lending store in a nearby town. His company, whose Web site says it operates 2,800 stores nationwide, was seeking to open a cash advance store in a new strip shopping center, part of the town's new Wal-Mart complex. "We're not evil people," Phelps protested to the council. "We provide a needed service."

"We're not evil people"…. Doesn't that give you chills? If pretending to hold a hand out in friendship while stabbing someone in the back with the other hand isn't evil I don't know what is.

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Drug companies make so much money off their medicine, it's no leap to think that there's a vast amount of corruption in the industry.

Unscrewed: The Consumer's Guide to Getting What You Paid For: Burley
(See online!)

Here's a new book on my list: "Unscrewed. The Consumer's Guide to Getting What You Paid For".

The Consumerist has a great interview with the author that describes some of the techniques in the book. Check this one out:

BURLEY: As you know, none of the techniques require anyone to scream or yell or spit at great distances. As a matter of fact, those are disqualifiers. There's an old-school belief, yes, walking into the middle of a showroom and screaming at the top of your voice, "They cheated me!" These days that will get you escorted out by the security guard. A lot of the techniques in the book put a twist on the old techniques of being a squeaky wheel. Such as writing a letter. Writing a letter to the president of the company these days is not going to get you anything. They've got legions of people and the president of the company is never going to see that letter. But I have a letter-writing technique that's called "Spokesperson For The Competition." You don't write a letter to the company that's causing you a problem, you write a letter to the president of the company that is their number one competitor, telling your true story and offering to become their number one spokesperson, and giving them permission to give a copy of your letter to every one of their sales people. Now before you send that letter to the competitor, you send a copy of that letter to the president of the corporation that's causing you a problem. And now they do the math. They say, ok, instead of losing just that one customer, our competitor is going to have evidence of just how poorly we treat our customers. And since we're in a highly competitive business, and we're trying to get those business accounts and fleet accounts or whatever, if every one of their sales people have evidence of how badly we treat our customers, how much business will we lose? You see what's happened there, it's the same technique, you're writing one letter, but you have somehow multiplied the effect, because you're not now one individual against the company that is causing you a problem. Using this technique of writing a letter to the competition, and offering to become a spokesperson for the competition, you've now multiplied your impact, your effect, a thousand fold? Ten-thousand fold? And suddenly, once again, it becomes more cost-effective for the company to take care of you than to ignore you.

That's quite brilliant actually. I should definitely get a copy and see what it's like.

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It's worth repeating that if you get charged for something you didn't ask for, you should challenge it. One point this article makes that I want to stress, sometimes you get signed up for something because you didn't notice and uncheck a box during a transaction with some other company or you had a free trial and it charged you after it was over.

These are dishonest and while they might technically be legal (though they shouldn't be), it's worth challenging them all the same.

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Comcastmustdie.com is a blog where people are invited to post their customer numbers so Comcast can get in touch with them to resolve issues. Given that people sometimes have vast difficulties that never seem to get resolved over the phone, this is a pretty good idea.

And according to the blog's comments, people have been getting results. It's worth checking out.

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Just spreading the news. But I was also very troubled by this:

"People have been scared out of their minds to speak out about Scientology," said Hill, Miscavige's niece, in an interview. "Nobody should have to be that scared to speak out about a church." Wiseman echoed the sentiment, adding that the Anonymous campaign had influenced her decision to reveal her identity last week. "The Internet is listening. If something happens to me, all of these people will know."

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This is about as clear as anyone has described the subprime mortgage lending issue so far.

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Just as AOL was the first to go to unlimited Internet access in the 90's thus changing the way Internet service is charged, Verizon is making that step in the wireless communications field. All I can say is that it's about damn time.

Wireless companies have been robbing people for years with their ridiculous rate plans and minute to minute charges. Now that they're going flat rate, chances are that the prices will come down just like they did for Internet service so many years ago.

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Today on CNN, they are reporting that the Clinton campaign might be stalled due to lack of money. I say it's ridiculous and wrong that it requires so much money to run for President. It should not be a matter of who can put out the most ads. In fact, it should be illegal for prospective politicians to advertise. They should each have a website sponsored by the government that enforces fairness across all the candidates sites and provides their stances on major issues.