Journal Entry #8 - US Dept of Commerce - Talk About the Money

JOURNAL ENTRY #8

Name: Manley M Collins
Social Security Number:  5 7 9 - * * - 6 5 4 1
Date of Birth:  06/21
Place of Birth:  Washington, District of Columbia
Country of Birth:  United States of America
Date: June 28, 2016

Department:  United States Department of Commerce
Topics:  Banks and Money

These are the banks I have coordinated for the JD and LLM degrees if I had my original crystal ball (or at least get some pieces back). Or for next possible mortgage or loan. Or deposit for any potential winnings from the PowerBall or MegaMillions lottery (sponsored by the US Dept of Education).

Bank 1
Bank of America
I have been an employee of your company, but you are offering me opportunities to come to Charlotte after I already did all the other major cities.  I have to consider the amount time to complete everything and I cannot be there for only six (6) months.

I greatly appreciate the opportunity as a contractor and the promotion. I am forever indebted to you for horning on my newly minted project management skill set.  It has been so helpful through plenty of issues or concerns in my life.

As a consumer, I understand your mortgage business that you do not do jumbo loans over $499,999.  I remember the PC Banking days from the diskette and being able to monitor each and every transaction until I moved to Microsoft Money, then the banking copied the Quicken/MS Money software to buy consumer time on their website.  I was very angry in the early days because every time I moved I had to find a local bank including between Maryland and DC borderline.  Yes, I lost all my checking and savings accounts, but removal from my credit report after I paid the bill was fast.

Our history began in Charleston, South Carolina when you were NationsBank in 1994.  I still remember my first checkbook, but still question whether I should return or not to get my update on community banking.

Bank 2
Capital One
Capital One, your credit cards days are still there since you keep approaching me regarding credit when I already know most of my answers.  I know you are out of Virginia and I applied for jobs with you, but I am cautiously watching as I do bank by postal mail.

Bank 3
E*TRADE Securities
I appreciate the opportunity as a contractor in your brand-spanking new East Coast campus in Alpharetta, GA.  It was hard to get into your IT department when I wanted to switch.  I am disappointed that I forgo the opportunity to become a broker and get my Series 7 and Series 63 certifications.  I did not know where I could use it other than your bank in Atlanta.

As a consumer, you know me very well.  I enjoy walking into your financial centers in New York, Chicago, and DC.  I am still disappointed I have not toured the California operations.  Even if the accounts are zero, we are still together since 1999.  Yes, I will continue to complete your surveys when you know potential money is coming.

Bank 5
JP Morgan Chase Manhattan
After learning from Bank of America, I did pick the right account, but did not know how big and crazy the bank was to be #1.  I went through 10 of JPMC project managers to hire for a project, and TataCS & JPMC kept trying to place me in uncomfortable situations.  TataCS & JPMC uncomfortable situations would have been fine, but you did not know what I sent through the postal service.  I think I am finish will using all the services I could get out of you while you are in the process of taking four accounts.  This relationship was short lived, but well worth it since we both know what it takes to be #1.  I did take page out of Chase playbook to begin hoarding all the money and resources (money power) and take all the necessary lumps to remain #1.

I am concerned how you do the megaloans or mortgage loans for Manhattan real estate or any New York real estate.

Bank 6
American Express
Our relationship has been very interesting on and off. I can remember my first American Express card in college in 1996.  I paid off the first balance, but the second time was a bit tough.  I appreciate the new options with the new cards, and yes I will pay that $495 annual fee for that ultimate American Express card.  Even though the cards are zero, we are still together.  I was slightly upset when customer service operations moved from America to India, and then my inquiries increased when I was with TataCS.

I am disappointed I have not explored the American Express Financial Consultant positions further from Atlanta and Virginia; I cannot live on commission alone or minimum wage plus commission when my bills/immediate expenses became larger and there was no work from home option.

Bank 7
Wells Fargo
My mother mentioned this bank, but she never told what she did to/for the company. We, Wells Fargo and I, started our relationship in Atlanta through 401K around 2000. We continued the relationship to a jumbo mortgage loan (understanding you handle loans over $500K), and HSA.  I see you are taking your accounts, too, but I will be back (California). I was anti-Wachovia because it was a Bank of America competitor.

Bank 8
Citibank
Our relationship started in DC, but I was a very new customer to you and you enforce every banking rule there was.  I was angry and frustrated about those rules, and that is the reason I left.

Bank 9
Charles Schwab
I first encountered you through Wall Street Journal and the dedication of the Schwab Residential Center to Stanford University during the time I was applying for my MBA.  You were/are California based.  When I became a customer from Connecticut, I was impressed by the full scale concierge service from initial security to artificial intelligence to printed magazine.  I appreciated the fact of fulfilling the customer request for residence one place, but temporary mail another.  Even though the money power is small, I think we have a good relationship going.  Again, this is not discounting my frustrated moments with E*TRADE, but I look forward to working with you. Thanks for the presentation with my 2nd secretary of state, Gen. Colin Powell, at the United States Institute of Peace. The first secretary of state I met was Madeleine Albright (got the picture) with the University of Phoenix Leadership Series at the United States Institute of Peace in DC.

Bank 10
HSBC and TD Bank
I see you, but I do not know international money other than Barclays working with Bank of America for international trips.  TataCS recommended TD Bank.  Yahoo recommended HSBC.

Bank 11
DiscoverCard
Thanks for continuing to provide me my FICO score. We had our tumultuous times, paying off the first balance, but hard times hit for paying the second balance with the credit limits.  I will eventually come back for the secured credit card with one or two of these banks.