So you’ve just bought something online, with a credit card–and the item never arrives–or proves defective.
Even worse, the online company insists on charging your credit card for the item.
What to do?
Here’s what a friend of mine–Ralph–recently did when he faced just that problem.
One night, while surfing the Internet, he saw an ad for a new computer security product. For him, its biggest selling point was: “Make yourself invisible to the bad guys with just one click.”
An even stronger selling point for him: The product was being offered by SUX, the company whose anti-virus software he had subscribed to for the last three years.
And, so far, he had never had any trouble with the company.
SUX offered several options for subscription:
- One month
- One year
- Two years
Ralph decided that one month was too short, and two years were too long. He chose a one-year subscription, intending to renew at the end of the year if he liked it.
He typed in his credit card number and clicked on “Download.”
Soon afterward, he received an Order Confirmation email from the company, outlining the product he had just purchased and the amount he had just paid for it.
He then got into the anti-virus security item on his desk. A few clicks later a new screen popped up–and the message: “Disconnected.”
Even worse, the screen warned: “Your license has expired. Renew now.”
The product he had just paid $60 to download hadn’t downloaded.
So Ralph called SUX–and explained to a technician what had happened.
And the tech responded: “We don’t offer phone support for that product.”
Nothing Ralph said could elicit the help he needed. Furious at the man’s arrogance, Ralph hung up.
To avoid accidentally reaching the same worthless technician, Ralph decided to wait several hours before again calling SUX.
When he did, he reached a technician who was willing to provide help. The tech said that he would like to run a remote scan on Ralph’s computer to try to find out what was causing the problem.
Ralph agreed.
For the next five minutes he could see his cursor moving around his screen, as the tech checked first one file, then another.
Finally, the tech said that Ralph needed to “clean out” his computer before the SUX product he bought would work properly.
“OK, how do I do that?” asked Ralph.
“You need to buy our BS2U product,” said the tech.
Now Ralph was really steamed.
He had just spent $60 on a product he couldn’t download. And the tech was telling him he had to spend even more money on a second product to make the first product work properly.
Ralph then said he wanted to contact someone in an executive positon at SUX. But the rep said he would have to call outside the United States to do this.
Ralph hung up, then got back onto his computer and onto the SUX website. He drafted a short but detailed message on the problems he was facing with one of the company’s products.
And it ended:
“Frankly:
(1) I am UNABLE to make use of the product I paid $60 for; and
(2) I am UNWILLING to pay MORE MONEY FOR ANOTHER PRODUCT in hopes that this will enable me to use the one I just purchased.
“Therefore, I am requesting that the credit card transaction I had with your company on —- be canceled. If it is not, I will dispute this via my credit card company when I receive my next statement.
“To enable you to quickly locate this transaction in your files, I am enclosing the Order Confirmation Number: #———-.
“I am making a copy of this email, so I can establish, if necessary, that I have notified your company that I am NOT receiving the product I paid for.
“I have already contacted my credit card company and informed them that I will contest this charge if your company does not make good on this refund.”
Six days later, Ralph called his credit card company, to see if SUX was still charging him for an item he hadn’t received.
It was.
Luckily for Ralph, he had been a longtime student of Niccolo Machiavelli, the father of political science.
Niccolo Mchiavelli
In The Prince, his treatise on how to gain and hold political power, Machiavelli raises the question: Is it better to be loved or feared?
And he answers as follows:
“The reply is, that one ought to be both feared and loved, but as it is difficult for the two to go together, it is much safer to be feared than loved….
“Men have less scruple in offending one who makes himself loved than one who makes himself feared.
“For love is held by a chain of obligations which, men being selfish, is broken whenever it serves their purpose; but fear is maintained by a dread of punishment which never fails.”
It was time to invoke the spirit of St. Niccolo.


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HOW TO DESTROY–AND CREATE–JOBS: PART ONE (OF THREE)
In Bureaucracy, History, Law, Politics, Social commentary on April 22, 2015 at 12:10 amRepublicans, always ready to attack President Barack Obama, have found a new cause for blame: Obama is responsible for increased inequality.
“Frankly, the president’s policies have made income inequality worse,” House Speaker John Boehner said on CBS’s “60 Minutes” in January.
And he blamed Obamacare for the growing inequality:
“All the regulations that are coming out of Washington make it more difficult for employers to hire more people, chief amongst those, I would argue is Obamacare–which basically puts a penalty or a tax on employers for every new job they create.”
Even Mitt Romney has suddenly discovered that millions of Americans are suffering from income inequality.
Yes, that Mitt Romney–who famously said during his 2012 campaign for President: “Corporations are people, my friend”; “I like being able to fire people”; and “I’m not concerned about the very poor.”
“Under President Obama, the rich have gotten richer, income inequality has gotten worse and there are more people in poverty than ever before,” Romney told a crowd of Republican National Committee members in January.
Mitt Romney speaking on the USS Midway
“Their liberal policies are good every four years for a campaign, but they don’t get the job done,” he said from the deck of the USS Midway in San Diego.
“The only policies that will reach into the hearts of the American people and pull people out of poverty and break the cycle of poverty are Republican principles, conservative principles.”
Click here: The reinvention of Mitt Romney – Edward-Isaac Dovere – POLITICO
But syndicated political columnist Mark Shields has another reason for why millions of Americans can’t find jobs–or jobs that pay a living wage.
His culprit: International trade agreements.
Mark Shields
“They have been a disaster for American workers, a total disaster, beginning with NAFTA,” said Shields on the April 17 edition of the PBS Newshour.
“They have put all the power in the hands of the employer.
“The employer threatens, if you don’t go along, if you don’t surrender your bargaining rights, if you don’t surrender your health and pension benefits, if you don’t surrender collective union membership, we will move your job overseas.
“And as consequence of NAFTA some 22 years ago, documented by our own government, 755,000 jobs lost immediately, five million fewer American–five million fewer American manufacturing jobs than there were….
“We see it where all–the trade agreements, the investor class capital is protected, whether it’s copyrights or whatever, intellectual property, their investments. And they just pay lip service to workers’ rights….
“Median household income in the United States was lower in 2012 than it was in 1989. I’m not saying solely because of this, but largely because of this.
“If you want to see the dominance of capital that I think these trade agreements exemplify and embody, all you have to see is the 2008 crisis, economic crisis in this country.
“Millions of ordinary Americans saw their futures, their savings, their homes wiped out. And they got nothing in the way of relief.
“Those who had caused it, who had brought the country to its knees, the big banks and the investment houses of Wall Street, were bailed out by people. They were made whole.
“So, you had a choice. Who are you going to help and who you going to leave to make out for their own?
“We have capitalism for the rich and we have free enterprise, high risk for workers. And I just think this is what it exemplifies….American workers have lost their clout politically.”
Click here: Shields and Brooks on Pacific trade deal politics
Romney is right: “The rich have gotten richer, income inequality has gotten worse and there are more people in poverty than ever before.”
And so is Shields: “American workers have lost their clout politically.”
But what neither man offered was a solution–although one is available.
It is long past time for Americans to address the following evils for which employers are directly responsible:
The solution to these evils can be summed up in three words: Employers Responsibility Act (ERA).
If passed by Congress and vigorously enforced by the U.S. Departments of Justice and Labor, an ERA would ensure full-time, permanent and productive employment for millions of capable, job-seeking Americans.
And it would achieve this without raising taxes or creating controversial government “make work” programs.
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