The last time we refreshed our earthquake supply kit was because of a smell. It turned out a water container had burst. This rusted most of the cans, and then the became a domestic Superfund Site. 

Given the current subscription commerce trend - get a new belt shipped by FedEx every four hours - I think there's a small business or a very interesting nonprofit here. 

Deliver a 10-day disaster survival kit every couple of years. Pick up the old one a few months before the food expires and donate it to a homeless shelter. Repeat until the next big one strikes and the kit is actually needed. Different levels for different family sizes, pets, special needs, etc. 

As usual any of my billionaire readers who are interested in funding this should drop me a line. 

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(Published to the Fediverse as: Earthquake Supply Co. #etc #lazyweb #earthquake A startup idea to deliver earthquake supply kits, refreshing regularly and donating supplies to the homeless before everything expires. )

I'm at SETIcon 2 this weekend. It's a mix of science, sci-fi, religion and general speculation.

What really strikes me is that a couple of years ago at the first conference a handful of exoplanets had been found but the Kepler scientists were grinning away, not allowed to say much.

This time round it's hard to find a star without a planetary system. The (silly) Drake equation is falling term by term.

Next SETIcon it has to be some evidence of life...

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(Published to the Fediverse as: SETIcon 2 #etc #seti Overly optimistic notes from the SETI conference in San Francisco, California. )

I recently got back from a trip back to the UK. Every time I go back these days something about the country has fundamentally changed. This time it's that every petrol station and motorway services has a Marks & Spencer or Waitrose supermarket embedded in it. On the motorway there are generally several large branches, and then a smaller branch in the toilet hand-washing area, and finally a tiny shop selling sandwiches and a small selection of ready-made curries in each cubicle.

At first pass this seems very convenient, but you can't fill up the tank in the smallest BP (paying at the pump being virtually unheard of in the UK) without getting stuck behind someone doing their weekly shop. 

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(Published to the Fediverse as: Petrol & Marks & Spencer #etc #uk #motorwayservices #petrol #waitrose #marks&spencer On this insane number of ever smaller Marks & Spencer outlets that are now everywhere in the UK. )

A company called Evive launched this week to battle the evil of bottled water with reusable RFID equipped bottles that need a special filling station that plays advertising to you while you refill. Sort of like a water fountain but worse in every way possible. 

Concord Massachusetts just started to ban the sale of bottled water, joining several other towns and cities around the world. They've actually just banned small bottles, you can still buy a large one. 

Wouldn't it be better to leave the water on the shelf and ban Coke? 

Photo credit: Joost J. Bakker IJmuiden cc

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(Published to the Fediverse as: Bottled Water #etc #water #evive #concord If you ban bottled water I'll just buy a coke, which by the way is in a bottle. )

Photo of a California Slender Salamander hiding in a paving slab crack in Bernal Heights, San Francisco.

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(Published to the Fediverse as: California Slender Salamander #etc #salamander Photo of a California Slender Salamander )

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

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(Published to the Fediverse as: Even Shitier - Citibank Remortgage Scam #etc #citi #citigroup #citibank #mortgage Citibank, who have a dollar or two, take some time out of their day to steal my money. )

A chair in our garden has produced a bumper crop of baby Cross Orbweaver spiders. Very cute.

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(Published to the Fediverse as: Baby Yellow Spiders #etc #spiders Photo of around 42 baby cross orbweaver spiders on the back of a garden chair. )