Citibank contacted us in December offering to remortgage our house. There was a reasonably steep application fee but I was promised a refund in the event that the remortgage failed. Specifically this email:

"Hi Rob,

Unfortunately we cannot waive the application/appraisal fee, however I can refund it back to you in your loan is not approved.

What do you think?

xxxxxx xxxx
Citibank
Senior Lending Consultant"

So we paid the fee, filled in the paperwork and waited for the appraisal.

The appraiser came and did a lousy job. His report mixed up photos, missed salient features of the house and worst of all used ridiculous comps with what must have been distressed sales of crack dens next to the freeway instead of similar nice houses on the west slope of Bernal Hill. Apparently this isn't unusual. Chris Arnold from a recent NPR News story:

"Right. It used to be too easy. The appraisers were part of the problem, so Congress changed the law. And that's had some unintended consequences. And to make a long story short, what sometimes happens now is the lender says, OK, we need an appraiser for Robert's house. And an email goes out, blasted out to a hundred different appraisers across the entire state. And the email says something like: Hey, who wants to do this for a hundred bucks. You know, so the guy you get might be driving in from 50 miles away and really have no idea what the homes in your neighborhood are worth."

So long story short the appraisal valued our house at about $5 and the remortgage application was declined. There was an appeal process for the appraisal but it wasn't possible to complete unless a few of our neighbors happened to have sold their houses in the same week. 

Given that we've never missed a mortgage payment it seems bizarre to suppose that making it lower would represent an increased risk. But it's Citibank's decision and I wouldn't be whinging about it in public if they'd refunded the application fee in January. Despite repeated emails the didn't refund it in February or March either. In fact, after declining the transaction we never heard from our friendly Senior Lending Consultant again. 

I've just got off the phone with the credit card company as in the end I had to resort to challenging the transaction and getting it charged back to Citibank. I'm not sure if it's incompetence on the part of a few employees or a new scheme to defraud customers but be careful if Citibank make the same offer to you. And make sure you get the refund promise in writing.

Previously

Photo credit: Roblawol cc

I used to really love British Airways. I even got over their silly new livery and refusal to stock full fat tonic water. But I can't get over the increasing uselessness of their frequent flyer program which has recently switched over to 'Avios', a scheme that seems to have been designed to stiff people out of their free flights.

Despite having a stupid number of miles and several free companion vouchers there is not one single seat available to book for the next six months of service, and I have enough miles/points for three of the four cabins.

Even if a seat was available the 'free' part only covers the actual fare and not the fees, taxes and surcharges. Flying from San Francisco to London the fare is about a dollar and then you still have to pay the rest. 

It would be better to not even pretend that the Executive Club relates in any way to free travel. Give me sugar in my G&T on one flight in five and I'd be happier than I am now with my vast stock of worthless Avios points. 

The whole mess is nearly enough to make me defect to Virgin Atlantic, but they only fly as far as Reno and then you have to take a bus the rest of the way to Heathrow. 

Photo credit: caribb cc

David Lee reports from the Innorobo 2012 conference and comes up with 'Is the dream of having a robot companion over?'Apparently it is, because:

1) A five year old girl is mildly frightened by a robot and so this is one of the industries biggest hurdles: 'What will it take for Kibo to be Emi's friend, rather than the subject of her nightmares?'

Sure, it's initially frightening, but leave the robot with her for an hour and you won't get the thing back without an epic meltdown. This is a fundamental misunderstanding of children rather than industry threatening hurdle.

2) '...the industry should perhaps look to recreate simpler, smaller tasks.'

Says the guy that makes the Roomba, a vacuum cleaner. No self interest involved there.

3) 'That kind of notion for a service robot we think is completely wrong.'

Says the guy that makes the RoboThespian, a next generation Teddy Ruxpin. No self interest involved there. 

So general purpose robots are not happening, because a girl was initially nervous and two companies focused on special purpose robotics would rather talk about their niches. Thanks for wasting my time on this BBC.

I'm wasting more time writing about it for two reasons.

The Internet is killing headlines (something I agree with Paul Carr on). BBC news is egregiously awful, both for overwrought link bait and for using warn too much. The dream of a robot companion will never be over.

More importantly, think about every news story that either covered an event or an industry you're deeply familiar with and you'll realize that it's wrong, usually seriously so. What are the chances that it's only those stories that flawed in this way?  

Photo Credit: AV8PIX Christopher Ebdon

The Snowman by Jo Nesbø

4/5

Very good, enjoying the entire Harry Hole series. Wishing for translations of the first two now!

 

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LEGO Friends is “The new LEGO theme – for girls!”

So I guess the current sets not for girls include Alien Conquest, Architecture, Atlantis, Cars 2, City, Creator, Harry Potter, Hero Factory, Heroica, Kingdoms, Mindstorms, Ninjago, Pirates of the Caribbean, Pharaoh’s Quest, Prince of Persia, Racers, Spongebob Squarepants, Star Wars, Technic, Toy Story and World Racers.

I know they’ve tried this before, but still, how about LEGO Vikings: The new LEGO theme – for Danes!

Misogynistic plastic peddling marketing weasels.

I love that Radio 4 is available outside the UK on iPlayer. It’s an essential link to home. But why, oh why, oh why is each program episode only available for a few days? It’s so frustrating to find an interesting looking series and then discover that it’s halfway through and you can’t listen to the first episodes.

BBC, I’d be happy to send you a new hard drive if that would help. It really can’t require that much space to keep the content around for more than a week.

While you’re at it: per-program RSS feeds and more podcasts please.

Take a moment to watch Brian Kilmeade and Janet Jackson below.

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The US political system is like daisyworld.

Daisyworld is a simplified model of the Gaia (Earth as organism) Hypothesis. A planet is populated by black daisies which absorb more solar radiation and white daisies which reflect it. Over time the temperature of the planet is regulated because the white daisies thrive when it’s warm. If it’s too hot the white population booms, increases the albedo of the planet and cools it down again. The black population then surges as the planet cools down and causes lower albedo and thus another round of warming.

This isn’t (directly) a post about global warming or race.

Replace the daisies with Democrats and Republicans. When Democrats are in power Republican voters are driven to the polls and vice versa. Homeostasis is guaranteed. Like daisyworld or the two-body problem it’s a toy system. It’s just never going to produce interesting results.

I think it’s time to break up the big parties (like the big parties should have broken up the big banks). Each party that achieves more than 20% of the popular vote is forced to split into two smaller parties. We have more than daisies. We have the three-body problem.

In addition to introducing some much needed chaos this could also turn the national political climate from us-vs-them to something more nuanced. Yes, there would still be left leaning and right leaning parties but they’d be forced to differentiate themselves through more than name calling and head stomping. We might have a political marketplace of ideas rather than affiliations.

Anything would be better than daisies.

The Thousand Autumns of Jacob de Zoet by David Mitchell

5/5

Stonking. It tells the tale of a Dutch clerk (de Zoet) at a trading post with the xenophobic Japan of 1799. It has the swashbuckling panache and anal research of Neal Stephenson's Baroque Cycle with just a dash of 'Big Trouble in Little China'. I hoped it was going to end with a 'to be continued...' but alas, Mitchell managed to wrap it up. Loved it.

 

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Don’t tell me to think before printing your email.

Firstly, it’s not that special. You’re lucky if I’m reading it at all. Do you really think I want a copy for posterity? Am I going to have it framed? Let’s face it, your target audience is pre-Internet execs who have their secretaries print their emails out so they can dictate a reply back later.

Secondly, do you think your sanctimonious footer comes at no cost? Using the power of randomly Googling facts each bit takes 4.6µJ and 2.8 million emails are sent every second. Assuming a 60 character nag if everyone indulged that’s over 12kW of smugness. For approximately no pages of paper saved.

And don’t get me started on lawyers. We could probably stop global warming if they’d just skip the fifteen page footer explaining how it’s somehow your fault if they send their emails to the wrong address.