Capital One. Credit?

First off this is my personal opinion of Capital One. I am not putting anyone down, just stating how I feel.
I received a letter in the mail going back about 2 weeks ago telling me I had been pre-approved for a Capital One credit card and that all I needed to do was go online and apply. So i went home and applied for my card, when I finished i received an email stating i would receive a letter in 7-10 days telling me how much I was approved for and that all they asked for was a small security fee. So I waited for the letter. About a week later it arrived, i opened and began reading. I had qualified for $300, not much, but better then no credit at all. I then continued reading to see what the security fee would be and as i read closer i noticed that the security fee they were asking for was $300. A $300 security fee for $300 credit and if I ever wanted to raise my credit i would have to send them more money.

Now this brings me to my question. Why would i give a credit card company $300 of my cash to put on a credit card of $300, which will receive interest every time I use it. Would i not be better off using my $300 cash instead? I thought that credit was something you earned and as you used your credit card and as you paid it back you would receive more credit. Not by how much money you put on your card.

Now I wonder why so many people get themselves stuck in debt. Credit cards are crooked and you are better off pocketing the cash you have and counting your pennies.

Psychotic Disorder & How It Affects Others

My grandmother who is 70 years old just moved in with us no more then 2 weeks ago. She has been diagnosed with Manic Depression and Bipolar. We have had to deal with it forever and we’ve learned ways to keep her out of a valley but the littlest thing can set her off and sometimes it takes day/weeks/months and sometimes years before she hits a peak again. Living with manic depressants can be very hard to deal with. It not only takes a toll on you mentally but physically also. I find myself sometimes sitting and crying because I do not know how to get the monster in my grandmother out. We just had an argument yesterday and for the last day and a half she has locked herself in her room with paper on the windows and wont talk to anyone. When my mother tries talking to her, she just rambles and says “I have things to get done” or will tell my mom that she is “not going to deal with this stuff.” When it has nothing to do with my mom. My mom’s had to deal with it for 50 years and myself of over 20. Its hard and drains you. You feel like you have to tip toe around. I know there is treatment for it, but my grandmother refuses. I wish she would let someone help her. It would make life so much easier for her and everyone else involved.

Psychotic Disorder Symptoms:
* Delusions: ideas or beliefs that may or may not have some small basis in truth or reality but generally become unbelievable or bizarre.
* Hallucinations: most commonly are voices that are heard and usually with a general commentary on the persons behaviour but sometimes with instructions or commands to the person.
* Disorganized speech: significant changes to both the manner of speaking and the content of what is being said. Generally also a reflection of the thinking process that can be disorganized, scattered and rambling.
* Negative symptoms: a lack of appropriate emotional response, emotional flatness, social withdrawal and isolation, lack of motivation and lethargy.
* Social & Occupational Dysfunction: reduced ability to carry on in the work environment, in social relations and often a deteriorated ability to look after oneself with hygiene and personal appearance.

Oc Transpo Strike

I survived the 51 day OC Transpo bus strike….kind of. This whole thing was BS and for reasons that should have been settled a long time ago and in a more adult manor. The union acted like a bunch of children not accepting any offers they were given. Even with multiple increases, they still complained. When they didn’t like what they were hearing they stomped there feet and walked out like a child having a temper tantrum. Mayor O’Brien isn’t much better though, he let this drag on far to long with no remorse or regret. The cold months of winter rolled on while the buses stayed parked. People had to walk hours out of there way to get to work, people lost their jobs, students lost their schooling (Me being one of them) and senior citizens couldn’t get the necessities they needed or to the appointments that would help keep them healthy in the cold of a Canadian Winter. Am I happy that the buses are back on the road? Maybe, maybe not. Lets see how well they do things. So far they are off to a bad start with 80% of the buses still not running till May and the buses that are running are on limited schedule. Get your act together OC, or Ottawa citizens will make our own ways around the city WITHOUT your help.