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Author Topic: Selling oneself
Trespasser
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posted 29 August 2002 03:16 PM      Profile for Trespasser   Author's Homepage     Send New Private Message      Edit/Delete Post  Reply With Quote 
Prompted by some things discussed in the course of the thread drift in 'Whites need not apply', as well as the issues that I've been interested in for a while now, I start this topic.

Isn't RESUME an appalling institution? You have to present yourself as sellable and profitable in it, and dissect yourself into bits that are competitive-on-the-market. 'Objectives', 'qualifications', 'skills','work experience' - preferably with enough detail to show how *you* helped the company get A, B, C, etc. If your talents aren't profitable, then vanish, you dinosaur.

And the job interviews. I mean really. The selling of yourself continues. You'd better put everything on the counter: become 'good with people', 'flexible', 'work-well-individually-and-as-a-team-member', 'eager to learn', 'attentive to detail', able to 'juggle multiple tasks'.

Then there's the so-called networking. While in other countries such things are called nepotism, favouritism, and corruption, capitalist countries have only the benign 'networking'... Right.

(And then. And then. As if this is not enough. There's the vigilant Canadian state for all the foreigners: well, we'll maybe allow you to have this job, if you fulfil these 137 conditions and prove to us that you're not hindering any Canadian's employment opportunities. And prove to us that hiring you would bring economic benefits to surrounding Canadians.)

Now what is one to do with corporate culture (and the state, if foreign)?

How can we stop presenting ourselves as a commodity? Could we replace those insulting resumes with some sort of portfolios in which you wouldn't have to sell yourself? Could we change the 'skills' list from the tawdry business-babble into something different?

(There's an idea for political theatre and direct action - pretending to be an applicant for a job and then come to the interview armed with exactly the opposite responses to the corporate-speak. Trying to explain how their notion of profit is the wrong one, the one "inside the box" )

Can we refuse work? It seems unthinkable to do that these days, and not end up being a Bartleby or a Gregor Samsa. The way you earn your wage (i.e. what you do) is what you are, and there's not much more to you. Far niente not is not only accompanied by poverty but by enormous guilt as well. Guilt of not being productive.

And how under such conditions institutions as economically unintelligible as friendship are to survive? Friendship takes time, all sorts of long-term 'investments', a lot of faith, and often bring no immediate palpable 'achievements of objectives'. People are either coupling or networking - friendships are fading away.


From: maritimes | Registered: Aug 2001  |  IP: Logged
DrConway
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posted 29 August 2002 04:57 PM      Profile for DrConway     Send New Private Message      Edit/Delete Post  Reply With Quote 
I've yet to see a resume that isn't mostly just pap. Nobody would deny that they are a "go-getter", a "team player", a "task-oriented individual", a "detail-oriented individual", or whatever passes for munificent description and no detail these days.

It sure as hell is a dog and pony show these days, and I see some people here either actually relish the thought of putting on their performances for potential employers or relish the idea (as though it didn't apply to THEM, too) that the harsh condition of chronic high unemployment is a motivator instead of a demotivator.


From: You shall not side with the great against the powerless. | Registered: May 2001  |  IP: Logged
oldgoat
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posted 29 August 2002 05:18 PM      Profile for oldgoat     Send New Private Message      Edit/Delete Post  Reply With Quote 
I think different employment sectors must look for different things in a resume.

Mine doesnt have any of that stuff. Actually, I've had to work hard to keep it under three pages as it is just because I've worked so many places over the years, and there's no room in it for fluff. Its just where I worked, time frame, position, and a brief run down of responsibilities in bullet form. Possibly because I have generally worked within a non-competing community of agencies where people tend to know each other, I'd be pretty easy to check up on anyway. Also, changing jobs a lot is not considered a bad thing. Cross pollination of experience and knowledge is seen as healthy. (I can tell you it doesnt look good on a bank loan application though)

As far as interviews go, I regard them as a two way street. The employer has to convince me that this is a place I'd find to be a good fit, and not everyone always has.


From: The 10th circle | Registered: Jul 2001  |  IP: Logged
Secret Agent Style
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posted 29 August 2002 05:48 PM      Profile for Secret Agent Style        Edit/Delete Post  Reply With Quote 
quote:
As far as interviews go, I regard them as a two way street. The employer has to convince me that this is a place I'd find to be a good fit, and not everyone always has.

That's because you have a lot of experience and can pick and choose. When someone's starting out they don't have that luxury.

I just had a job interview and they said the salary was more than $25,000/year, with health and medical benefits. The interviewer asked if that was satisfactory. I was thinking I'd kill for a permanent job that pays that much. I don't care who I would have to work with, or who for. I'd consider working for Satan for that much money.


From: classified | Registered: Jan 2002  |  IP: Logged
scrabble
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posted 29 August 2002 06:04 PM      Profile for scrabble     Send New Private Message      Edit/Delete Post  Reply With Quote 
AndyAndyAndy! That's like $12 an hour! You'd work with Gordon Campbell for $12 an hour!?
From: dappled shade in the forest | Registered: Jul 2002  |  IP: Logged
Trespasser
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posted 29 August 2002 06:07 PM      Profile for Trespasser   Author's Homepage     Send New Private Message      Edit/Delete Post  Reply With Quote 
quote:
I think different employment sectors must look for different things in a resume.

OK, but that's actually less and less the case.

Non-profit sector seems to be busy adopting business criteria and business-speak in hiring.

Signs are that the academe is moving in that direction too.


From: maritimes | Registered: Aug 2001  |  IP: Logged
Mandos
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posted 29 August 2002 06:38 PM      Profile for Mandos   Author's Homepage     Send New Private Message      Edit/Delete Post  Reply With Quote 
I was fortunate. I was looking for summer jobs during the tech boom and generally had my pick of employers. By the time the tech boom crashed, I had already bailed out of the private sector.


However, tech resumes, while they still have silly management buzzwords, do have tonnes of technical content...mine does


As for academe, I know exactly who is business-izing the resume thing: all those icky "Knowledge Management" profs. Ugh!


From: There, there. | Registered: Jun 2001  |  IP: Logged
oldgoat
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posted 29 August 2002 06:43 PM      Profile for oldgoat     Send New Private Message      Edit/Delete Post  Reply With Quote 
quote:
OK, but that's actually less and less the case.


I dunno, I screen resumes sometimes and that sort of self propaganda I just filter out. I have nothing against inexperience, so if the ink is still wet on the diploma or whatever, I'll look maybe at volunteer stuff. In an interview, if I know someone is inexperienced, I won't ask experience focussed questions. I'm big on natural common sense anyway, and suitable personal qualities. I don't do a lot of interviewing, but I like to help the person relax and to be at their best. No pressure or head games.

It's also quite rewarding to train someone who may lack a lot of direct experience and have them work out well. It's a win win situation. You can't maintain an energetic agency with just a lot of old farts like me anyway. Depending on needs at the time, and who applies of course, I like to see a balance on a team.


From: The 10th circle | Registered: Jul 2001  |  IP: Logged
Timebandit
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posted 30 August 2002 01:36 AM      Profile for Timebandit     Send New Private Message      Edit/Delete Post  Reply With Quote 
quote:
Non-profit sector seems to be busy adopting business criteria and business-speak in hiring.

As somebody who has hired for a non-profit, there's a level of business acumen that is necessary. Business-speak is sometimes the best way to express that.

Not that I like making a resume, or going to interviews. However, I also have defended grant applications for an artist-run centre, and that's selling the organization, which, in part, is selling myself. I need to leave that jury with a good feeling about the org and the people who run it... And I do. Steady increases, 4 years running. In the arts, that's damned good, if I do say so myself.

What's wrong with playing up your good points? Isn't a job interview part of a job competition?

I can alwayus tell when somebody pads their resume. Definitely not cool. Keep it simple, let it speak for itself.

[ August 30, 2002: Message edited by: Zoot Capri ]


From: Urban prairie. | Registered: Sep 2001  |  IP: Logged
Arch Stanton
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posted 30 August 2002 02:07 AM      Profile for Arch Stanton     Send New Private Message      Edit/Delete Post  Reply With Quote 
"Also, changing jobs a lot is not considered a bad thing. Cross pollination of experience and knowledge is seen as healthy."

Not in my experience. Employers seem to want "focus." I ain't got none. I've worked at everything from garbageman to university lecturer.

I was once asked straight-out at an interview at a language school if I was sure I wanted the job in question. I asked, "Why, because of my checkered past?" and was told, "Yes." This was in Orléans, France, and the interviewer had already made what I consider class-generated negative comments about my farm background. Class matters more in Europe than here, from what I can tell.

Then again, another interviewer in a different French city seemed to think my varied experiences were an asset. I didn't get that job, however, because my French wasn't good enough.


From: Borrioboola-Gha | Registered: Mar 2002  |  IP: Logged
Adam Smith
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posted 30 August 2002 05:52 AM      Profile for Adam Smith     Send New Private Message      Edit/Delete Post  Reply With Quote 
I think we kind of need resumes at this stage of the game, maybe we always will. Even most collectives I know of ask for a resume. The Mondragón Collective here in Winnipeg asks for a standard Resume, as does the G7 - Welcoming Committee Collective. I think the really demeaning part of a resume comes from all the newspeak you have to put into it.

[ August 30, 2002: Message edited by: Adam Smith ]


From: Manitoba | Registered: Aug 2002  |  IP: Logged
Trisha
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posted 31 August 2002 04:02 PM      Profile for Trisha     Send New Private Message      Edit/Delete Post  Reply With Quote 
I think resumes will always be necessary, even if just to provide a work history. My resume is quite simple but shows an upward movement to better classed as well as better paying jobs. Now that I'm "retired", the resume has also come in handy in volunteer work as it shows I have a good work ethic and experience in many activities. My lack of higher education has been offset by my hobbies and previous volunteer work and I've been offered real jobs that I'm unable to take because of my illness.

As far as interview, I made it a policy after replying to their usual, what can you bring to our company question, is to ask them what they can give to me as well. I also researched any place I was applying to to make sure I could qualify any answers to their specific needs. It worked. In all my work life, the only time I was out of a job over a month was during an early bout of ill health.


From: Thunder Bay, Ontario | Registered: Apr 2001  |  IP: Logged
abnormal
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posted 31 August 2002 04:58 PM      Profile for abnormal   Author's Homepage     Send New Private Message      Edit/Delete Post  Reply With Quote 
Like it or not, if you don't supply a resume how can an employer decide whether or not to talk to you.

The last time I ran an entry level job add in Canada I received two hundred applications. That's TWO HUNDRED applications. Obviously I couldn't talk to everyone of them - half a dozen at most. If someone can tell me how to go from two hundred to six, or even ten, without a resume I'd love to hear it. It'll make my life much easier.

The same holds true for anyone and it doesn't matter if that entity is for profit, not for profit, whatever.

Obviously you want to hire the best person for the job. I know, more buzz words, but if the person can't do the job or will be unhappy doing it's a problem for everyone concerned, not least of all the employee.

By the way, I agree with the comment that the interview is a two way street. A potential hire does have to convince me that he/she is someone I want to hire [by the way, since I'm going to have to work with them on a day to day basis, I mean it] and by the same token I have to convince those individuals that this is someplace they want to work. If I know they know a former employee of mine I'm absolutely adamant that they should "Call XXX and ask them what I'm like to work for". I'm conceited, I get good reviews, but I think it's important.


From: far, far away | Registered: Aug 2001  |  IP: Logged
Michelle
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posted 31 August 2002 05:43 PM      Profile for Michelle   Author's Homepage     Send New Private Message      Edit/Delete Post  Reply With Quote 
quote:
I've yet to see a resume that isn't mostly just pap.

You haven't seen my resume then. I go out of my way not to include buzzwords and not to pad my resume. I'm sure lots of other people have too. And I think employers appreciate it because I often got jobs that I've applied for.

I don't think there's anything wrong with resumes. It shows the employer whether you can be succinct and put across an idea well, not to mention the analytical skill that you use to look at your past work and educational experience and point out the skills and responsibilities that are most relevant to the position you're applying for.


From: I've got a fever, and the only prescription is more cowbell. | Registered: May 2001  |  IP: Logged
Trespasser
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posted 31 August 2002 06:16 PM      Profile for Trespasser   Author's Homepage     Send New Private Message      Edit/Delete Post  Reply With Quote 
Abnormal, nobody is saying that the kind of paper with which you apply for the job (that is currently called resume) should be abolished. I am suggesting that it should be replaced with something more decent. (We'll have to agree to disagree there, Michelle.)

For most people, the interview is not a two-way street. It's more like an inquisition situation or a quiz, certainly a situation of inequality. I only once only dared to query the employers the way they queried me - in a half-challenging way - and that's because I was sure I am not getting the job so I might as well behave freely. I do usually try to 'interview' them, but there are not that many options for the counter-interviewer if she's desperate to get the job. And there are always so many wrong things to say, no matter how open-minded the employers happen to be.

Some questions are standard stuff, I realized. Like, 'hypothetical situations'. "Say, you and your two co-workers happen to disagree profoundly about what decision should be reached on an important matter. What do you do?" Things like that.

But there's another thing that I was thinking about the other day (while cooking dinner, as skdadl would say). When you start the mortgage payments, you're pretty much stuck in that particular job. You'd do anything, you'd sell your soul just so the mortgage payments wouldn't discontinue. And if we add a dependent or two into that picture... there.

(Unless, of course, you have seventeen other employers vying for the honour of your presence.)


From: maritimes | Registered: Aug 2001  |  IP: Logged
abnormal
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posted 31 August 2002 07:31 PM      Profile for abnormal   Author's Homepage     Send New Private Message      Edit/Delete Post  Reply With Quote 
quote:
I am suggesting that it should be replaced with something more decent.

That's exactly the question. What do you replace it with? I think the smart ass answer is "a one to two page summary of your job history, educational background, and anything else you might think is relevant". I'm open to answers - don't forget the 200 applicant issue.

On a related note, cover letters do matter and I tend to include that in my definition of "resume".

I do appreciate your sentiment re interviews not being a two way street. There is a serious power imbalance, regardless of the level of hire under consideration or the individuals "need" for the job (i.e., do they want to put food on the table or are they looking for that SVP position). Speaking personally, and maybe I'm atypical, I've always tried to minimize the feeling if not the reality. Simple things like not sitting behind my desk but using the other guest chair in my office, or moving to my conference table really help. I don't think interviews should be inquisitions. It's not a good way to start any working relationship. That's why the first fifteen minutes of any talk with me will be about whatever hobbies you've listed - I probably don't know anything but I need an icebreaker of some sort.

In any case, back to my first question. What should resumes be replaced with.


From: far, far away | Registered: Aug 2001  |  IP: Logged
oldgoat
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posted 31 August 2002 10:53 PM      Profile for oldgoat     Send New Private Message      Edit/Delete Post  Reply With Quote 
quote:

quote:

I am suggesting that it should be replaced with something more decent.

That's exactly the question. What do you replace it with? I think the smart ass answer
is "a one to two page summary of your job history, educational background, and anything else you might think is relevant".


I don't think thats a smartass answer, thats just what my resume is. Except it takes up three full pages. I might add I am quite satisfied with where this resume has gotten me.

What I've learned on this thread is that I guess it wouldn't be too well recieved in a lot of other sectors.

However, if I may be so bold, I would propose that the hiring practices of my sector would serve as a good model for the world at large. It seems extreemly bullshit free, and geared toward really getting the best person for the job and the best job for the person.


From: The 10th circle | Registered: Jul 2001  |  IP: Logged
Timebandit
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posted 01 September 2002 09:03 PM      Profile for Timebandit     Send New Private Message      Edit/Delete Post  Reply With Quote 
quote:
When you start the mortgage payments, you're pretty much stuck in that particular job. You'd do anything, you'd sell your soul just so the mortgage payments wouldn't discontinue. And if we add a dependent or two into that picture... there.

Nonsense!

Look, I have a mortgage and a couple of independents. It wasn't until I had a mortgage and one dependent that I quit my regular job and took a flyer on making a living freelance/self-employed. And it was definitely a leap of faith!

I guess it all depends on whether you own the house, or if you allow the house to own you.... If you'd sell your soul, the stuff has gotten way too important and you need to take some time and get some perspective.

And for those who qualify for EI, well... What's the big fuss? You can't find anything at all in 6 months?! Most people can and do.


From: Urban prairie. | Registered: Sep 2001  |  IP: Logged
Trespasser
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posted 01 September 2002 09:55 PM      Profile for Trespasser   Author's Homepage     Send New Private Message      Edit/Delete Post  Reply With Quote 
Well I am happy that you're happy, Zoot.

Resume. As I said, why wouldn't it be some sort of a portfolio in which you compile things that you think define you as a worker or, God forbid, as a person. Say you include clips or photocopies; brief versions of projects you were involved in; brief reports; but also things related to your activities unrelated to your job; some such portfolio. Something that wouldn't force you to present yoursef as a standardized commodity. Sure it takes more time to examine portfolios, but that's exactly the point.

Or maybe there are better ideas. Maybe a website instead of a hard-copy anything would be much better. So you put all the hyperlinks to things you've done in life, and then they can be connected to some similar things other people did, and your self-presentation would be as multi-layered as you'd like. Of course some criteria of efficacy would emerge with website 'resume's too, but they would allow for more freedom than the existing ones.

Oldgoat, that's interesting, can you give us more details about your profession? It's encouraging to hear that there are oases of bullshit-free labour market. How does it function?


From: maritimes | Registered: Aug 2001  |  IP: Logged
Michelle
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posted 01 September 2002 09:58 PM      Profile for Michelle   Author's Homepage     Send New Private Message      Edit/Delete Post  Reply With Quote 
quote:
Resume. As I said, why wouldn't it be some sort of a portfolio in which you compile things that you think define you as a worker or, God forbid, as a person. Say you include clips or photocopies; brief versions of projects you were involved in; brief reports; but also things related to your activities unrelated to your job; some such portfolio. Something that wouldn't force you to present yoursef as a standardized commodity. Sure it takes more time to examine portfolios, but that's exactly the point.

That's the kind of stuff you bring to the interview after the interviewer has short-listed you from the 200 applicants using your resume.


From: I've got a fever, and the only prescription is more cowbell. | Registered: May 2001  |  IP: Logged
Timebandit
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posted 01 September 2002 11:35 PM      Profile for Timebandit     Send New Private Message      Edit/Delete Post  Reply With Quote 
quote:
Well I am happy that you're happy, Zoot.

What's that got to do with it?

Unless, of course, I've just been sarcastically dismissed for challenging a generalized assumption...

Edited to add: Your portfolio idea is interesting, but a good resume is really a summary of that information. As an employer, I don't have time to go through that much information until, as Michelle mentioned, I have a short list, at which point I'd request resumes. Lots of people use portfolios and "reels" in my industry. Cinematographers particularly include reels with resumes so that you can see the quality of work that they have done.

[ September 01, 2002: Message edited by: Zoot Capri ]


From: Urban prairie. | Registered: Sep 2001  |  IP: Logged
Trespasser
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posted 01 September 2002 11:52 PM      Profile for Trespasser   Author's Homepage     Send New Private Message      Edit/Delete Post  Reply With Quote 
Yeah, that's exactly what I'm saying, I know that in the arts there are more comprehensive approaches and perhaps other areas could try the same.
From: maritimes | Registered: Aug 2001  |  IP: Logged
DrConway
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posted 02 September 2002 12:31 AM      Profile for DrConway     Send New Private Message      Edit/Delete Post  Reply With Quote 
When you have a mortgage, the bank owns the house. Not you. And as we know Canadian banks are notorious for screwing little people.
From: You shall not side with the great against the powerless. | Registered: May 2001  |  IP: Logged
Pogo
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posted 02 September 2002 12:47 AM      Profile for Pogo   Author's Homepage     Send New Private Message      Edit/Delete Post  Reply With Quote 
We have hired 3 people in the last year. First we call for resumes. Anyone remotely qualified gets invited in to do 'the math test' -- work related math. They must pass this to continue. Then we have interviews - about 1/2 hour. Then we make a first and second choice and do another abilities test (more comrehensive -- costs $50 to administer). As long as the first choice makes the minimum grade on the appropriate areas for our work, then they are offered the job.

When we are hiring it is because someone has quit, transferred, or their services have been offered to the industry (fired). We are shortstaffed and overworked at this time. We don't have time to talk to lots of people. We are still able to hire based on impressions more than anything -- our last 3 hirees had no direct experience just lots of character.


From: Richmond BC | Registered: Aug 2002  |  IP: Logged
oldgoat
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posted 02 September 2002 01:04 AM      Profile for oldgoat     Send New Private Message      Edit/Delete Post  Reply With Quote 
OK Pogo, let me guess. You're an Emergency Ward surgeon, right?
From: The 10th circle | Registered: Jul 2001  |  IP: Logged
Pogo
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posted 02 September 2002 01:27 AM      Profile for Pogo   Author's Homepage     Send New Private Message      Edit/Delete Post  Reply With Quote 
Close -- purchaser
From: Richmond BC | Registered: Aug 2002  |  IP: Logged
Trespasser
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posted 02 September 2002 02:02 PM      Profile for Trespasser   Author's Homepage     Send New Private Message      Edit/Delete Post  Reply With Quote 
Heh. Maybe the line dividing employers and employees is the line that divides the two classes in the contemporary world class- struggle... That must be it! "Owners of the means of production" and "proletariat" could be translated today to "employers" and "employees" (would-be, present, and former ones). An elegant solution to the question whether class is still a useful concept these days.
From: maritimes | Registered: Aug 2001  |  IP: Logged
oldgoat
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posted 02 September 2002 03:44 PM      Profile for oldgoat     Send New Private Message      Edit/Delete Post  Reply With Quote 
quote:
Oldgoat, that's interesting, can you give us more details about your profession? It's encouraging to hear that there are oases of bullshit-free labour market. How does it function?

I work for the Canadian Mental Health Association as a Community Case Manager. In a nutshell, I provide support and advocacy for a number of people in the community who have been diagnosed (rightly or wrongly) with a major mental illness. I also work on program development, which involves trying to keep best practices up to date in a changing multi-cultural environment.

In terms of means of production, my means of production is my brain. My employer provides a desk, phones, and a laptop so I can spend hours babbling from work.


From: The 10th circle | Registered: Jul 2001  |  IP: Logged
Timebandit
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posted 02 September 2002 05:22 PM      Profile for Timebandit     Send New Private Message      Edit/Delete Post  Reply With Quote 
quote:
When you have a mortgage, the bank owns the house. Not you. And as we know Canadian banks are notorious for screwing little people.

Only partly true. You have equity in the house, and so does the bank. Unless you completely default on the mortgage (meaning you pay nothing for several months), the bank isn't interested in taking the house -- it's more expense for them to manage the upkeep and sell it (usually for less than its market value) than it is for them to come to an arrangement with you if possible.

If one runs into a bad patch and can see the difficulty in paying the mortgage over a long period of time, one might be better off selling the house and taking the equity before the foreclosure happens. It's not like it just occurs overnight.

From my perspective, it makes sense to have a mortgage, because I'd be paying at least as much as mortgage and taxes on rent for less space, not to mention the freedom to modify as I like.

So while it's true that banks suck (I hate the front-loaded interest on mortgages), they aren't always out to get you when it isn't to their benefit.


From: Urban prairie. | Registered: Sep 2001  |  IP: Logged
DrConway
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posted 02 September 2002 05:33 PM      Profile for DrConway     Send New Private Message      Edit/Delete Post  Reply With Quote 
You should read Walter Stewart's Bank Heist, which criticizes lending patterns of Canadian banks in that they tend to be biased in favor of large corporations who may have interlocking directorships with bank boards (crony capitalism, anyone?) and against smaller businesses.

There's two really heartbreaking stories among others that he recounts in that book, and one involves a couple who got screwed by a bank because some numbnuts thought they were stripping their inventory and preparing to abscond with the freshly loaned money for an expansion of their small business, and the other involves a man who absolutely could not get a line of credit and as a result lost a $40,000 a year business and went into bankruptcy.

I trust banks about as far as I can throw them.

Here's a story for you, Zoot, that involves me.

For two years prior to this incident, I had no holds on any deposits whatsoever. One day, my roommate bounced a check on me for the utilities. I took cash from him instead and directly paid off the utility companies.

I called the bank after I found out the holds had been slammed back on. I explained that I was going to have a payroll check deposited and that would fix everything, since I had already recovered the money from him.

Three phone calls and a week later, the holds were still there.

I switched to another bank.


From: You shall not side with the great against the powerless. | Registered: May 2001  |  IP: Logged
Timebandit
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posted 02 September 2002 05:50 PM      Profile for Timebandit     Send New Private Message      Edit/Delete Post  Reply With Quote 
Wasn't there another thread where you said, just this week, something to the effect that we all have a hard-luck story to tell?

I'm not defending bank practices... They pretty much suck across the board. There's a reason why I've never taken a small business loan, and don't intend to. I'd rather run an office out of my house than have to worry about loan payments. I'm dreading having to get the line of credit I will someday need for larger projects...

We've also had the bank arbitrarily do a credit check on the blond guy when issuing a new debit card and place a 3-day hold on all his deposits, while with my card there is no hold -- On a joint account! Like, duh! We wouldn't just use my card, right? Honestly... As if he's going to suddenly start kiting cheques after having an impeccable bank history with them for over 3 years.

So, yes, I've heard lots of horror stories, seen businesses go down, and all that. But they're not out to suddenly foreclose on a mortgage for no good reason, there are laws and procedures that are followed, and one can generally see it coming far enough ahead. In fact, even in bankruptcy, you are allowed a certain amount of equity in your home and your mortgage can remain unaffected.


From: Urban prairie. | Registered: Sep 2001  |  IP: Logged

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