How Chase Bank's inflexibility is costing it money

My mortgage has been purchased by Chase Bank a couple of times (after the first time, I refinanced with another bank and then Chase bought my mortgage from them), and they're my current lender. I pay extra principal with every payment, usually about 30% more. For my February payment, I decided to reduce the extra principal a bit, for various reasons including keeping a bit more cash on hand in current economic conditions.

Unfortunately, I made a $100 error in my payment. Rather than paying an extra $40.37, I underpaid the monthly payment by $59.63. I learned my mistake when I received my mortgage statement, indicating that my entire payment was in "suspense funds received" and had not been applied to my mortgage at all.

I immediately called Chase. Even though it was an hour before their call center closed, I was unable to get to a human being. Instead, after being told I was being transferred to customer service, I got an automated message saying that my call could not by completed. I looked for online options for payment, but the Chase website referred me instead to their phone-based "FastPay" system. The "FastPay" system by phone charges a $15 fee (which the phone system says can be avoided by using the online payment system) and only allows making a full payment.

I tried again the next morning, and got through to Tonja, a customer service rep who told me that I could only make a full payment through the phone (not the $100 I wanted to pay), but said if I connected an external bank account online, I could make the payment that way, and as soon as the extra $100 was received, the payment would be applied as normal. I'm also well within the 15-day grace period for a payment, so I don't have to worry about late fees.

Online, I searched through some counter-intuitive menu options--within the mortgage account, payment options send you to the page about FastPay over the phone--I finally found that from the front page I could get to an option to connect an external account. I started the process, and learned that my bank could not be connected instantly by putting in my online banking authentication information, but had to use a method of verification where Chase puts two small deposits in my account and I come back later and input those amounts back to Chase to prove that it's my account (or at least that I have access to it). It then allowed me to attempt the instant verification method, despite its previous claim that my bank didn't accept it, but that failed (and I probably shouldn't have tried--Chase shouldn't have my authentication credentials to another bank). It then said it would take up to two business days for these deposits to go through.

The next day, my bank showed me that there were two pending deposits from Chase (yet another cost Chase is incurring), so I went back to the verification page and entered those amounts. Chase's website informed me that because those deposits had not been made yet, I was not allowed to verify the amounts yet. Dumb design. I tried again later in the evening, and my verification was accepted. Now I went to the page to make a payment, only to find that once again, the only option is to make an entire payment. Contrary to what Tonja told me, I cannot pay just an additional $100, because there is an outstanding payment that hasn't been made, and my $1100 sitting in "suspense funds" doesn't count and can't be used.

Well, I've got the money in savings, so I decided that if Chase is going to make things so difficult, I'm going to go ahead and make a full extra payment and deprive them of a little more interest over the life of my loan, in addition to the overhead costs they've incurred through this episode. The website told me it would take two business days to process, so it will be applied on February 11--still during the grace period. But now I still am not sure that the $1100 will be applied to principal reduction, so I called in again and spoke with Kim. I explained what has happened, and pointed out to her that Chase is losing money from its inflexibility, and she offered to move $100 from my January extra payment to February so that I could cancel the additional payment. I thanked her for the option (which I would have needed to take if I didn't have the money to spare), but declined, since that would result in an increase in interest. I asked if she could verify that the $1100 would be applied correctly, and she suggested that I call in again after I see online that the new payment is applied--which will incur yet further costs to Chase.

This is a nice demonstration of how an inflexible payment system doesn't deal well with partial payments can cost a company money and customer goodwill.

Our second stray of 2009

As we prepared to take our dogs for a walk this evening, we found this guy in our yard. He has a collar, but no tags. We've put his photo up on Pets911.com, and he'll spend the night here and get a pound pickup tomorrow.

UPDATE (February 7, 2009): This black lab (mix?) isn't happy-go-lucky like our first stray of the year--he was quite fearful, but did relax a bit when we got him on leash. He was interested in our dog Fred, which we used to catch him. Once on leash and after receiving some attention, he warmed up, and he would then come back after being let off leash.

He was terrified to come in the house, and didn't seem to want to walk on the wood floor of the kitchen, but we did eventually get him into the spare bedroom, where I stayed with him overnight. He ended up sleeping peacefully at the foot of the bed.

This morning, I had the same challenge getting him out of the bedroom that I had getting in--so I ended up letting him straight out to the side patio, and he's now back out in the front yard.

UPDATE: The same animal control officer who picked up our first stray just picked up this dog, and gave us some good news--the first stray we turned in was successfully adopted, and is now named Truman!

UPDATE: We got our first call today about our Pets911.com listing for the above dog, which includes a photo and a description. The call went like this:

ME: Hello?

CALLER: Uh. Did you find a lost dog?

ME: Yes, we did.

CALLER: What did it look like?

ME: It's a black lab mix, young ...

CALLER: Oh, that can't be our dog. Our dog is white.

Every phone call save one that we've received as a result of our found dog notices online has been from someone whose dog could not possibly have been confused with the dog in the description. (The one exception was one where the dog was returned to his rightful owner.) By contrast, when we've put up posters there's been no similar mistake. I suspect the Internet information is being passed on to the callers by friends or family, but apparently people who look at lost dog information on the Internet do not know how to communicate basic information about color or breed. Or perhaps this caller has a computer infected by a virus that replaces all images with photographic negatives?

Heartland Institute mistakes parody for reality

Just as Conservapedia is often edited with parodies that even the real conservatives there can't distinguish from conservatism (let alone everyone else), the global warming-denying Heartland Institute has mistaken a parody video for a real one, and briefly posted it on their site until they realized they'd been had. It was probably the traffic from Tim Lambert's Deltoid blog that tipped them off.

This is a problem faced by ideological groups that search for evidence to support their established positions rather than trying to honestly evaluate the evidence. This isn't the first time the Heartland Institute has demonstrated that this is how they operate, and I'm sure it won't be the last.

Not-pology from Holocaust-denying bishop reinstated by the Pope

Orac at Respectful Insolence shows the deception from Bishop Richard Williamson, the formerly excommunicated Holocaust-denying Catholic bishop who was recently reinstated by Pope Benedict XVI. Williamson created a recent media firestorm because of his Holocaust denial, and has now apologized--not for his Holocaust denial, but for the fact that there was a media reaction to it. It's a not-pology.

Orac debunks some of Williamson's falsehoods about the Holocaust, and points to some of the best sites for responding to Holocaust denial: Nizkor, The Holocaust History Project, and Holocaust Denial on Trial.

What Michael Phelps should have said

At The Agitator blog, Radley Balko writes what Michael Phelps should have said when a photograph of him taking a bong hit was published in a tabloid:

Dear America,

I take it back. I don’t apologize.

Because you know what? It’s none of your goddamned business. I work my ass off 10 months per year. It’s that hard work that gave you all those gooey feelings of patriotism last summer. If during my brief window of down time I want to relax, enjoy myself, and partake of a substance that’s a hell of a lot less bad for me than alcohol, tobacco, or, frankly, most of the prescription drugs most of you are taking, well, you can spare me the lecture.

I put myself through hell. I make my body do things nature never really intended us to endure. All world-class athletes do. We do it because you love to watch us push ourselves as far as we can possibly go. Some of us get hurt. Sometimes permanently. You’re watching the Super Bowl tonight. You’re watching 300 pound men smash each while running at full speed, in full pads. You know what the average life expectancy of an NFL player is? Fifty-five. That’s about 20 years shorter than your average non-NFL player. Yet you watch. And cheer. And you jump up spill your beer when a linebacker lays out a wide receiver on a crossing route across the middle. The harder he gets hit, the louder and more enthusiastically you scream.

Yet you all get bent out of shape when Ricky Williams, or I, or Josh Howard smoke a little dope to relax. Why? Because the idiots you’ve elected to make your laws have have without a shred of evidence beat it into your head that smoking marijuana is something akin to drinking antifreeze, and done only by dirty hippies and sex offenders.

You’ll have to pardon my cynicism. But I call bullshit. You don’t give a damn about my health. You just get a voyeuristic thrill from watching an elite athlete fall from grace–all the better if you get to exercise a little moral righteousness in the process. And it’s hypocritical righteousness at that, given that 40 percent of you have tried pot at least once in your lives.

Read the rest at The Agitator.

Our first stray of 2009

We found this dog at Circle K Park while walking our dogs. He is a friendly pit bull mixed with something big and shaggy (perhaps Bernese Mountain Dog), with a partly brindle coat. He was easy to capture on leash--he came right up to Kat. We brought him home and he eagerly drank a full bowl of water and some food. He raced around our front yard and chased a ball and brought it back. He's just a puppy with perfect teeth and bad habits of jumping up and being overly excited.

We put his picture on Pets911 and took him by the house of a neighbor who said he lost a brindle-coated pit bull a few months ago that had been seen in the vicinity of the park. We had trouble coaxing him into the car, but eventually he crawled in on his own accord. Unfortunately, the man's wife said this wasn't their dog


He seemed to have some kind of allergy, as he had red around his eyes and his gums were bright red, so we gave him a Benadryl. I spent the night with him in our spare bedroom, and he couldn't seem to sit still or stop breathing hard (or stop wanting attention) until the Benadryl kicked in, and he had a couple of decently long periods of sleep and rest. When he got up this morning, his eyes and gums looked much better, and he again enjoyed racing around the front yard and playing fetch.

Animal Care and Control picked him up just a few minutes ago, and he was shaking in the kennel on the truck. I don't think he's one who is going to do well in a kennel situation. We got his case number, in case someone calls us as a result of the Pets911 ad, but unfortunately, that rarely happens.

UPDATE (February 7, 2009): When the animal control officer picked up our second stray of 2009, he let us know that this good boy was quickly adopted, and is now known as Truman.

Congratulations, Truman!

2009: A Year for Chinese Dissidents

June 4 will be the 20th anniversary of the Tiananmen Square massacre. March 10 is the 50th anniversary of the Tibetan uprising that led to the Dalai Lama's exile. July 22 is the 10th anniversary of the banning of the Falun Gong cult in China. And October 1 is the celebration of 60 years of Communist rule in China.

Chinese leaders worry that the first three anniversaries may cause issues for the last, and they are right to worry. This looks like it will be a year for dissidents in China to come forward, and it has already begun with an online petition issued in December called Charter 08 at the 60th anniversary of the UN Universal Declaration of Human Rights.

Charter 08 (in English here) was named after Charter 77, a human rights manifesto issued by Czechoslovakian dissidents in 1977. Charter 08, which has been signed by more than two thousand Chinese citizens, calls for recognition of "basic universal values":

Freedom. Freedom is at the core of universal human values. Freedom of speech, freedom of the press, freedom of assembly, freedom of association, freedom in where to live, and the freedoms to strike, to demonstrate, and to protest, among others, are the forms that freedom takes. Without freedom, China will always remain far from civilized ideals.

Human rights. Human rights are not bestowed by a state. Every person is born with inherent rights to dignity and freedom. The government exists for the protection of the human rights of its citizens. The exercise of state power must be authorized by the people. The succession of political disasters in China's recent history is a direct consequence of the ruling regime's disregard for human rights.

Equality. The integrity, dignity, and freedom of every person—regardless of social station, occupation, sex, economic condition, ethnicity, skin color, religion, or political belief—are the same as those of any other. Principles of equality before the law and equality of social, economic, cultural, civil, and political rights must be upheld.

Republicanism. Republicanism, which holds that power should be balanced among different branches of government and competing interests should be served, resembles the traditional Chinese political ideal of "fairness in all under heaven." It allows different interest groups and social assemblies, and people with a variety of cultures and beliefs, to exercise democratic self-government and to deliberate in order to reach peaceful resolution of public questions on a basis of equal access to government and free and fair competition.

Democracy. The most fundamental principles of democracy are that the people are sovereign and the people select their government. Democracy has these characteristics: (1) Political power begins with the people and the legitimacy of a regime derives from the people. (2) Political power is exercised through choices that the people make. (3) The holders of major official posts in government at all levels are determined through periodic competitive elections. (4) While honoring the will of the majority, the fundamental dignity, freedom, and human rights of minorities are protected. In short, democracy is a modern means for achieving government truly "of the people, by the people, and for the people."

Constitutional rule. Constitutional rule is rule through a legal system and legal regulations to implement principles that are spelled out in a constitution. It means protecting the freedom and the rights of citizens, limiting and defining the scope of legitimate government power, and providing the administrative apparatus necessary to serve these ends.

More concretely, Charter 08 offers the following 19 more-specific recommendations:

1. A New Constitution. We should recast our present constitution, rescinding its provisions that contradict the principle that sovereignty resides with the people and turning it into a document that genuinely guarantees human rights, authorizes the exercise of public power, and serves as the legal underpinning of China's democratization. The constitution must be the highest law in the land, beyond violation by any individual, group, or political party.

2. Separation of Powers. We should construct a modern government in which the separation of legislative, judicial, and executive power is guaranteed. We need an Administrative Law that defines the scope of government responsibility and prevents abuse of administrative power. Government should be responsible to taxpayers. Division of power between provincial governments and the central government should adhere to the principle that central powers are only those specifically granted by the constitution and all other powers belong to the local governments.

3. Legislative Democracy. Members of legislative bodies at all levels should be chosen by direct election, and legislative democracy should observe just and impartial principles.

4. An Independent Judiciary. The rule of law must be above the interests of any particular political party and judges must be independent. We need to establish a constitutional supreme court and institute procedures for constitutional review. As soon as possible, we should abolish all of the Committees on Political and Legal Affairs that now allow Communist Party officials at every level to decide politically sensitive cases in advance and out of court. We should strictly forbid the use of public offices for private purposes.

5. Public Control of Public Servants. The military should be made answerable to the national government, not to a political party, and should be made more professional. Military personnel should swear allegiance to the constitution and remain nonpartisan. Political party organizations must be prohibited in the military. All public officials including police should serve as nonpartisans, and the current practice of favoring one political party in the hiring of public servants must end.

6. Guarantee of Human Rights. There must be strict guarantees of human rights and respect for human dignity. There should be a Human Rights Committee, responsible to the highest legislative body, that will prevent the government from abusing public power in violation of human rights. A democratic and constitutional China especially must guarantee the personal freedom of citizens. No one should suffer illegal arrest, detention, arraignment, interrogation, or punishment. The system of "Reeducation through Labor" must be abolished.

7. Election of Public Officials. There should be a comprehensive system of democratic elections based on "one person, one vote." The direct election of administrative heads at the levels of county, city, province, and nation should be systematically implemented. The rights to hold periodic free elections and to participate in them as a citizen are inalienable.

8. Rural–Urban Equality. The two-tier household registry system must be abolished. This system favors urban residents and harms rural residents. We should establish instead a system that gives every citizen the same constitutional rights and the same freedom to choose where to live.

9. Freedom to Form Groups. The right of citizens to form groups must be guaranteed. The current system for registering nongovernment groups, which requires a group to be "approved," should be replaced by a system in which a group simply registers itself. The formation of political parties should be governed by the constitution and the laws, which means that we must abolish the special privilege of one party to monopolize power and must guarantee principles of free and fair competition among political parties.

10. Freedom to Assemble. The constitution provides that peaceful assembly, demonstration, protest, and freedom of expression are fundamental rights of a citizen. The ruling party and the government must not be permitted to subject these to illegal interference or unconstitutional obstruction.

11. Freedom of Expression. We should make freedom of speech, freedom of the press, and academic freedom universal, thereby guaranteeing that citizens can be informed and can exercise their right of political supervision. These freedoms should be upheld by a Press Law that abolishes political restrictions on the press. The provision in the current Criminal Law that refers to "the crime of incitement to subvert state power" must be abolished. We should end the practice of viewing words as crimes.

12. Freedom of Religion. We must guarantee freedom of religion and belief, and institute a separation of religion and state. There must be no governmental interference in peaceful religious activities. We should abolish any laws, regulations, or local rules that limit or suppress the religious freedom of citizens. We should abolish the current system that requires religious groups (and their places of worship) to get official approval in advance and substitute for it a system in which registry is optional and, for those who choose to register, automatic.

13. Civic Education. In our schools we should abolish political curriculums and examinations that are designed to indoctrinate students in state ideology and to instill support for the rule of one party. We should replace them with civic education that advances universal values and citizens' rights, fosters civic consciousness, and promotes civic virtues that serve society.

14. Protection of Private Property. We should establish and protect the right to private property and promote an economic system of free and fair markets. We should do away with government monopolies in commerce and industry and guarantee the freedom to start new enterprises. We should establish a Committee on State-Owned Property, reporting to the national legislature, that will monitor the transfer of state-owned enterprises to private ownership in a fair, competitive, and orderly manner. We should institute a land reform that promotes private ownership of land, guarantees the right to buy and sell land, and allows the true value of private property to be adequately reflected in the market.

15. Financial and Tax Reform. We should establish a democratically regulated and accountable system of public finance that ensures the protection of taxpayer rights and that operates through legal procedures. We need a system by which public revenues that belong to a certain level of government—central, provincial, county or local—are controlled at that level. We need major tax reform that will abolish any unfair taxes, simplify the tax system, and spread the tax burden fairly. Government officials should not be able to raise taxes, or institute new ones, without public deliberation and the approval of a democratic assembly. We should reform the ownership system in order to encourage competition among a wider variety of market participants.

16. Social Security. We should establish a fair and adequate social security system that covers all citizens and ensures basic access to education, health care, retirement security, and employment.

17. Protection of the Environment. We need to protect the natural environment and to promote development in a way that is sustainable and responsible to our descendants and to the rest of humanity. This means insisting that the state and its officials at all levels not only do what they must do to achieve these goals, but also accept the supervision and participation of nongovernmental organizations.

18. A Federated Republic. A democratic China should seek to act as a responsible major power contributing toward peace and development in the Asian Pacific region by approaching others in a spirit of equality and fairness. In Hong Kong and Macao, we should support the freedoms that already exist. With respect to Taiwan, we should declare our commitment to the principles of freedom and democracy and then, negotiating as equals and ready to compromise, seek a formula for peaceful unification. We should approach disputes in the national-minority areas of China with an open mind, seeking ways to find a workable framework within which all ethnic and religious groups can flourish. We should aim ultimately at a federation of democratic communities of China.

19. Truth in Reconciliation. We should restore the reputations of all people, including their family members, who suffered political stigma in the political campaigns of the past or who have been labeled as criminals because of their thought, speech, or faith. The state should pay reparations to these people. All political prisoners and prisoners of conscience must be released. There should be a Truth Investigation Commission charged with finding the facts about past injustices and atrocities, determining responsibility for them, upholding justice, and, on these bases, seeking social reconciliation.

The Chinese government's response has been to detain Charter 08's chief organizer, Liu Xiaobo, question or threaten signers of the document, shut down websites that contain or discuss the document, and require Google to return no results for searches on Charter 08, but instead produce a warning that "according to local laws, regulations and policies, some results have not been displayed."

More on Charter 08:

"The year of living dissidently," The Economist, January 17, 2009, pp. 42-43.

Happiness, charity, religiosity, and liberals vs. conservatives

In a recent paper, Jamie Napier and John Jost argue that the reason conservatives are happier than liberals is that they are, for ideological reasons, not pained by observing high levels of income inequality. They draw this conclusion on the basis of responses to a survey item about attitudes about meritocracy that ranges from a scale of "hard work generally doesn't bring success--it's more a matter of luck" to "hard work pays," which Will Wilkinson shows cannot do the job of supporting their explanation:

I strongly agree that success, understood as a significant upward move on a valued status dimension, is largely a matter of luck. But I also strongly agree that hard work (in a society with decent institutions) usually brings a better life. It’s possible to work hard and achieve a better life without ever winning anything you’d count as success. So I haven’t a clue how I’d answer this question. Do I believe in meritocracy or not?

He observes that there's also a much better explanation for the answers to that question than assuming a blindness or lack of care about inequality:

If one wants to see a meritocratic bent as a common cause of conservative leanings and higher happiness, here’s a less tendentious explanation. (1) Those with a greater sense of the efficacy of their behavior — with a greater sense of being in control — will tend to (a) think hard work brings a better life, (b) be happier, (c) see policies that seem to penalize hard work as unjust. (2) People likely to see high taxes as an unjust penalty on hard work tend to identify as “conservative.”

And a further problem about attributing a blindness to inequality to conservatives is that conservatives give more to charity than liberals, as Wilkinson's commenter John Thacker points out (and I've previously observed at this blog). Thacker attributes the difference to religiosity; again, I've previously pointed out that he is apparently correct on this point (also see this post and the previous reference on conservatives vs. liberals), that the religious give far more to charity than the secular, even if you don't count donations to churches. (But apparently Christians are well-known in the service industry as lousy tippers.)

The same Napier and Jost paper is discussed at Marginal Revolution, where commenter DocMerlin points out that:

A rather simple answer follows with (A) and (B) being true statements that result in the same statistics without the rediculious "conservatives are happy with evil" result that the study got.
1)
A) Women are much more likely to self report depression and unhappiness than men are.
B) Men are more conservative than women.

2)
A) Divorced/unmarried women are on average more liberal than married women
B) Married people are happier.

3)
A) Conservatives are more likely to attend church regularly
B) People who attend church regularly are found to be happier and healthier than those who don't (on average).

4)
A) Liberals feel guilty for their own success.
B) Conservatives don't feel guilty for their own success.

Another possible explanation is that liberals and the secular value truth over happiness, but it seems to me that the Napier and Jost paper is an example of trying to explain away an unpalatable truth. It's better to dig deeper to understand the causes of these differences before offering public policy prescriptions (or even arguments for what is individually better to do). Wilkinson, who has done extensive review of the literature on happiness and proposed public policy prescriptions, seems to me to have the better psychological explanation for the happiness difference in terms of sense of control over outcomes. That explanation also comports well with a charitability difference--if you don't feel that your contribution could make much difference, you're probably less likely to make a contribution.

D.C. and the inauguration

Kat and I made arrangements to travel to D.C. for the inauguration a few months before the election. Our plan was to attend regardless of who was elected president, but we preferred Obama over McCain and his winning the election solidified our plans. We flew to D.C. on U.S. Airways Flight 44 to see the 44th president inaugurated, leaving 72-degree weather in Phoenix and arriving to 26-degree weather in D.C. We had prepared with layered clothing, but I found that my toes were still freezing in my shoes with two layers of socks, so we visited a mall near our hotel and found evidence of massive price deflation in coats and boots. I picked up a nice pair of Dupont "thinsulate" insulated boots, and Kat bought a full-length padded coat, each of which were only $20. We saw some further evidence of price deflation in goods at the Smithsonian gift shop in the National Museum of the American Indian, where T-shirt prices had been lowered from $20 last time we visited to $16 this trip. Food prices, however, seemed to be about the same, and the price of a 7-day Metro pass had climbed from $20 to $26.40 (no doubt still a subsidized price).


On Saturday, we visited the newly-reopened National Museum of American History, where there were special events going on with actors portraying figures from American history such as Abraham Lincoln, Martin Luther King Jr., Thomas Jefferson, and George Washington. We paid a visit to the American flag from Fort McHenry (the star-spangled banner), the First Ladies' dresses collection, the pop culture exhibit, "The American Presidency: A Glorious Burden," musical instruments, the Gunboat Philadelphia, and a few other exhibits. We followed this up with lunch at the National Museum of the American Indian, then checked out the new Capitol visitors' center and took a look at the setup for the inauguration. We then walked over by the Newseum, passing the Canadian Embassy and its huge banners welcoming President Obama.

The theme of pending change was everywhere--not only the expected political banners, but in commercial advertising (e.g., Metro ads from Pepsi and Ikea), religious advertising (the Seventh-Day Adventists were handing out a magazine with Obama's photograph on the front), and even by the homeless begging for "change I can believe in."


On Sunday we went to the Columbia Heights Metro station and were amazed at how much the area has changed. We visited an apartment building in the area where Kat used to live in the 1990s, finding it boarded up and for sale (last sold 10/16/2008 for $1.1M). Next was Adams-Morgan, where there was a kiosk to "Tell the President ... tell him what you think! tell him what you want!" by sticking up handwritten notes. A few examples: "TAKE A STAND 4 PALESTINE," "WE ARE HUMANS NOT MACHINES," "GAY MARRIAGE," "Make Weed Legal," "fix our schools," "NO MORE LIES PLEASE," "Respect our privacy! Stop USA spying on Americans!," and "MAKE LOVE TO ME."

We visited a friend's clothing store (Redeem, on 14th St. south of S), walked past the Church of Scientology near Dupont Circle that was in the act by offering free "touch assists" for D.C. visitors, and approached as close as we could to the White House, which was to walk on Pennsylvania Ave. near the president's inaugural parade viewing stand. From there we could hear U2 playing at the "We Are One" concert on the Mall, which we chose not to brave the crowds to see.


Monday we spent time with family in the early afternoon, and spent the rest of our afternoon paying a visit to the American Humanist Society's MLK Day open house. In the evening, we went back to Dupont Circle, where a giant inflatable George W. Bush with a giant nose labeled "GIVE BUSH THE BOOT" was available to throw shoes at.


Tuesday morning, we got up at 5:30 a.m. and got to the Silver Spring Metro Station by 6:40 a.m. The station was packed, and we squeezed into a very crowded train. We got out at Gallery Place and walked towards the Mall, where we ran into an immense crowd at 7th and E that was waiting to go through security screening to the inaugural parade seats. We hung out there for a while, where several people from Meetup.com were handing out nametags and pens, and then walked around the security perimeter to the west to get to the Mall. This required us to go back north to I St., and west to 19th St. (we could have gone down 18th, but 19th was less crowded). We went through no security and had no trouble getting to the Mall.

We walked east past the Washington Monument, but U.S. Army soldiers suddenly closed the road at 15th St. and so we went back and found a good spot in front of the Jumbotron just northeast of the Monument. The crowd continued to build, and the Jumbotron showed a replay of the "We are One" concert from Sunday (which would might have been annoying if we had already seen it).

At long last, the Jumbotrons switched to a live (with audio slightly delayed) feed, with a live mike somewhere in the expensive seats that seemed unintentional. We got to hear one side of multiple conversations, including Sen. Joe Lieberman telling someone, "I love your mother!" The captioning was a little behind the already-delayed audio, and occasionally bizarrely off. When Aretha Franklin sang, one caption at the end of her song said "THREAT RING."

I thought that Pastor Rick Warren's invocation was awful--it was sectarian and it was blatantly hypocritical (cf. Matthew 6:5-7), and I considered it, along with the cold, to be the low-light of the swearing-in ceremony.

George W. Bush attracted some mild booing, and we almost (but not quite) felt sorry for him. But the crowd was ecstatic at Obama's being sworn in (and at Bush's helicopter leaving).

Obama's inaugural speech seemed to mostly be fairly generic new-politician-in-office platitudes, but there were a few standout positive points for me. First, his acknowledgement that some Americans are nonbelievers and we have a stake and a voice in this country was a breath of fresh air. I cheered that line, and several people near by looked at me and smiled. His affirmation that science must be "restore[d] ... to its rightful place" was another good one, as was his statement that we cannot give up the Constitution for safety.


It is a pleasure to again have a president who can speak in complete English sentences and not make me cringe every time I hear him.


After the swearing-in ceremony was over, it took us well over an hour to leave the Mall. People were packed in trying to leave, and at one point we saw the crowd knock down a barricade on the north side of the Mall, and a second barricade just north of that, to get access to Constitution. We moved in the opposite direction, which proved to be the right move to get to a flowing stream of people moving towards the actual exit. Police showed up at the downed barricades after about ten minutes, and put them back in place.


On Wednesday, we visited the Basilica of the National Shrine of the Immaculate Conception, the largest Catholic church in North America, on the grounds of Catholic University of America. It was interesting to see the different ethnic versions of Mary, Mother of Jesus in the Shrine, including Our Mother of Africa, the Virgin of Guadalupe, and Our Lady of La Vang (Vietnam). We did a little shopping for Obama swag at Union Station.

On Thursday, our last day in D.C., we visited Battleground National Cemetery on Georgia Ave., a little-known burial ground of Union soldiers killed at the battle of Fort Stevens, the only Civil War battle that occurred in D.C. We also visited Fort Stevens itself, which has a monument where President Lincoln stood on the rampart and was told to "Get down, you fool" as he was likely to be killed by attacking Confederate soldiers there. Finally, we visited the recently restored Lincoln Cottage at the Old Soldier's Home, just north of Catholic University of America, where Lincoln spent about a quarter of his presidential term, made many of his decisions, and drafted and finalized the Emancipation Proclamation.

ApostAZ podcast #13

The latest ApostAZ podcast is now available:

Episode 013 Atheism and Shit-Free Thought in Phoenix! Go to meetup.com/phoenix-atheists for group events! All Music from Greydon Square- CPT Theorem, Ten Things the Pope Hates About Reality, Some Obama Topics, Family Planning and Stem Cell Research, REBT: Self-Downing.

Jan. 31: Filming for ArizonaCOR welcome video (happened today).
Feb. 13: Phoenix Atheists meetup new member welcome at Baby Kay's.
Feb. 15: SMOCA 10th anniversary, Phoenix Atheists will attend.
Feb. 18: Daniel Dennett speaking at ASU on "Darwin's Strange Inversion of Reasoning." Phoenix Atheists will attend.

Comments on this episode:

I don't think the difference between a religion and a cult is just the number of members, though growing large enough certainly tends to change social perception. As I've written previously at this blog, I think the characteristics that make a group a cult are something like Steve Hassan's BITE model (Behavior control, Information control, Thought control, Emotional control) or better yet (since it doesn't depend on questionable notions of mind control), Isaac Bonewits' Advanced Bonewits' Cult Danger Evaluation Frame (ABCDEF).