Adventures in Credit Card Land

Michael Moore has been appearing and speaking in alot of interview programs that I happen to listen or watch over the past week, in connection with his new movie – Capitalism: A Love Story.  Moore certainly doesn’t need any help from me, nor will it come as much of a surprise that I’m a great admirer of his since I was about 17 years old.  But recently during one of these interviews he starting talking about a topic that got me thinking about my own experience. The topic of credit cards.

Speaking about how credit card companies target young people by setting up right on college campuses on day 1, regardless if you have a job or any income at all, they want to sign you up. Moore goes on to talk about the high rates of debt among students, to the point that between credit card debt and college loans, when they graduate they owe more than they will make for many years to come.  You might hear or read these statements (If you went to school in the US) and think to yourself: that didn’t happen to me. Or you’ll remember those credit card companies outside the student center, offering free gadgets and saying hello to you in that irritatingly friendly way.

Now comes the story I’d like to tell about one big difference I experienced when I moved to the Netherlands.

Currently this is the 8th year that I live in Amsterdam, having moved only about a year after graduating from university in New Jersey.  When I got here I was a student, as well a European citizen, so getting a social security number, bank account, and most of the essentials, was a fairly smooth process.  If there was an occasion I needed a credit card, I still had a trusty US credit card to fall back on, never mind the terrible exchange rate. But after two years as a grad student I was finished with zero school or credit card debt (fortunately I’ve never had debt in my life) and I found myself a part time job at the U of Amsterdam and a number of freelance editing, translation, and writing jobs.  Around that same time I kept seeing advertisements at the airport and through my bank for a certain credit card company. Considering the exchange rate and the times where I could have really used it, I finally took one of the forms to fill out.  Though I had heard its much harder in Europe, I also kept thinking back to freshman year at college and how easy it was. Just fill out the form and choose the funny graphic layout for the card.

Two or so weeks after sending in my forms I get a call. “Mr.Bicyclemark, we’re just going over your form and we wanted to confirm some things, it says here you’re self employed?” Indeed at that point I’d started my own company to make getting freelance jobs and handling the expenses and income a little easier. “Yes” I said, “I’m a freelance journalist, editor, and sometimes web consultant.” “OK very good. I’ll just need to know your yearly income..” She’d cut right to my achilles heel, as a freelancer and part time employee, my income was pretty embarrassing by most adult standards, I was and still am, a specialist of living on a shoestring budget. I fumbled through an answer “Well its hard to say as a freelancer, you know, some months its a good amount, some months it is hardly anything…” The credit card lady tries to help me along, “So about 20K per year?” I had this feeling that if I told her the truth, that is was surely less, that I wouldn’t qualify for their minimum, “Yes,” I answered confidently, “about that much.” What the hell, I figured, as long as I don’t have to prove it, I’ll be fine. “.. and we’ll just need some further information so we can confirm this..” – Shit I thought. Plan foiled. I quickly told a lie about having to go but that I would be in touch. She didn’t even fight me on this, wished me a good day and recommended I get back to her when I had a better idea of my income.

It would take me another 2 years to get a credit card, when I sent in another application hoping they wouldn’t remember the first.  I got that call again, only this time I tried harder to lie my way into getting one.  Once again I argued that as a freelancer my income didn’t always fit into one of their boxes, but that I manage a decent living and somehow deserve this credit card.  After alot of convincing, and a much stronger arguement than my first attempt, I got my card which to this day I hardly ever use.

Why the long story? It is amazing the difference between what it took for me to get a credit card in the US compared to getting one in Europe 10 years later. Beyond it being impressive, I wonder if this difference doesn’t reflect on part of why so many problems have arisen with people and credit card debt. Not to mention banks that take advantage of people by inventing surcharges.  Not that Europe is perfect, or that someone can’t eventually get a card who perhaps can’t really afford it, but in my experience, there is a real difference in how less easy it is to fall into this trap.

ctrp315 The Unfinished Drug Policy of the Netherlands

Freek at the UNPeople around the world admire, hate, or giggle at what they think they know about drug policies in the Netherlands. But how much do they really know? To get beyond the tall tales and the half-baked explanation you’ll get from enthusiasts on both sides of the drug issue, it is important to not only look at the facts, but to hear real experience and analysis. Not to mention to learn the details of just what the political and social climate aims to do with the future of Dutch drug policy.

As part of a running series of podcasts on the Reality of Drug Policy in the Netherlands, I begin with this program featuring a conversation with Freek Polak of the Netherlands Drug Policy Foundation.

During the program Freek mentions this video of his face-off with the Executive Director of the UN Office of Drugs and Crime.

Longterm Social Crisis

This week several mainstream headlines quoted “experts” who pointed to signs of economic recovery on the horizon.  I think they were referring to Europe, but if you search the news, you’ll find other experts pointing out signs of the same for Japan and the United States. Of course after experts say such things they add the caveat: but there is still a lot of uncertainty.

As I ride through the streets of Amsterdam and my neighborhood, the young yuppie mecca known as the Oud West, I see “for sale” signs everywhere.  Most of those signs have been hanging there for most of this year.  As I drive the Red August around the canals of Amsterdam, I see more “for sale” signs on house boats then I’ve ever seen before as well.  Some disappear in a few weeks, some linger and have become part of the scenery.

Riding home from frisbee practice the other night I was chatting with a longtime friend who works as a freelance ICT person for the past few years.  Talking about his business and how things have been, he pointed out that in the past few years he was always swamped with work, in many cases having to turn down jobs because he was too busy.  In sharp contrast he described this year as one with hardly any work, for the first time in his freelance career he has had to approach businesses and potential customers in an attempt to convince them they could use his services.

Are so many people unemployed in the Netherlands? I suppose not as many as I’ve noticed back in Portugal or the United States.  But what about all these freelancers and those of us who are employed part-time for the past few years, how do we factor in to the statistics in these troubled times. Beyond that, do any of us realize how much worse it can get?

Economic experts and government representatives can point to industrial output numbers and so-called investor confidence surveys to justify holding a “the economy is going to get better” press conference.  But a walk down the street and a talk with your neighbors tells another story.  Seems like everyone, from the big corporations who needed bail outs, to the banks who traded in fake money, to we the freelancers/consumers, thinks that we can have economic recovery but just doing things how we always did, not need to learn any lessons from the past. Looming social crisis? 25 million unemployed by next year? We don’t want to think about it.

ctrp 314 What is Behind the Texas Secession Movement?

None of them were alive the last time Texas was located outside the borders of the US, but they’re demanding to go back to that status. They’re angry at the Obama administration, frustrated with the United States, and lately – they’ve managed to get a bit of national attention.  They are the Texans calling for secession from the United States, and Forrest Wilder of the Texas Observer has been looking into who they are, the issues they’re concerned with, and just how far they might get.

His blog Forrest for the Trees on the Texas Observer site

We mention the Texas National Movement

Forrest’s video of a recent demonstration

*Note: file codes for my program will from now on start with ctrp.

Terrorizing Gay Iraqi’s

My good friend John of Americablog has been in Paris for the last few weeks and sent me a message today. The message contained excerpts from this article in the Guardian which tells about religious extremists in Iraq who troll gay websites and chat rooms seeking to identify gay Iraqi’s, track them down, and then torture or murder them.  They do this in the name of religion, citing the usual claims related to god and religious rules as justification for butchering men and women in ways that words cannot describe.

In his message John asked me if, among my many friends in the hacker community across the world, I might know some who could help expose these murderers who use computer skills to find their prey.  Although I do know many skilled individuals, I didn’t have a good answer for him. Is it possible that in a world where such a barberic group of killers exist, there might also be a group dedicated to human rights and the belief that none of us should ever be hunted for who we are, who could combat their activities?  Part of me thinks it is too TV, too Hollywood, that in the real world of post-Saddam Iraq, it is not possible to stop such horror.

Yet outside of the idea of stopping a group seeking to identify gay Iraqi’s, couldn’t those of us concerned with this issue help in other ways? The most basic – making sure there is information, readily available and being passed around any place where gay Iraqi’s could find it, on how to keep their identities safe.  On how to be vigilant for someone who is pretending to be something they are not. Although it might seem like common sense to some of us, it still seems to me one step we can take towards stopping fundamentalist monsters from committing atrocities.

ctrp313 The Era of Charter Schools

Charter schools in NYC are getting alot of attention over the past few years for the quality of education they are providing and the methods they use to do so. But what do we know about charter schools and how they function?

My guest today is Catherine Barufaldi of the Explore Charter School in Brooklyn, NY. For just over 2 years now she has worked at a successful charter school and has a lot to say about what sets her school apart from traditional public school.  In this program she talks about her experience while also explaining what exactly is a charter school and what do they mean for the future of education in the US.