FINDINGS Conscious Awakening for Mature and Responsible Adults.

BY INTELLEXAE Vol 14 | December 1, 2015 | Print Edition

NETWARS IV: GOING POSTAL KILLING PAYPAL AND TRUMPING THE BANKING KLAN

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Suggestions for Taking Back Control of E-Commerce

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Digest # 2015–1201-2235 | Print Edition | December 1, 2015 | Suggested Distribution Value: $2.99

Netwars IV – Going Postal KILLING PAYPAL AND TRUMPING THE BANKING KLAN Suggestions for Taking Back Control of E-Commerce First let me wish everyone a serene, peaceful, and enjoyable holiday season. I just spent this morning reconfiguring the INTELLEXAE website on Wordpress. Don't know what I did, all of a sudden all of the entrees (articles) were gone. Poof! Has that ever happened to you? If you visited the website on Monday, November 30, (2015) you probably saw nothing. Now you know why. I know other people who this happened to in the past and they had to spend days to recover, so an experience like this reinforces why I employ the strategy of redundant compartmentalization. That is – most everything is backed up somewhere, and my Web presence is shared among several platforms. If one platform fails, others should be functional. This is part of the reason it only took a couple of hours for me to reconfigure the site. However, some links have changed, and as this is Cyber Week and the week that many organizations kick of their end-of-year fundraising drive, I figured this is as good a time as any to inform readers and supporters of payment options that I feel comfortable with in conducting online commerce. The People of Mountain View are Not Keen Toward Black People Many people resort to Ebay, PayPal, and Facebook for just about everything they do on the Internet. This is unwise because Ebay and Paypal have dabbled in redlining minorities (Blacks) by simply freezing their accounts for no just reason. If they do this to you and you file suit, the courts will side with them when it comes to jurisdiction and tell you to go to Santa Clara County in California to follow through. If you're willing to do that for six or even sixty bucks, you're good.

No PayPal

Paypal is not a bank, it just acts like one, or better yet like a gambling casino of musical chairs.

these days if you don't offer up a PayPal account, you may be viewed with suspicion by many. Here's my advice to you here; if someone suggests payments though PayPal, view them with suspicion. Remember, Paypal is not a bank, it just acts like one, or better yet like a gambling casino of musical chairs. What I suspect happens is that to keep the rolling buffer reservoir of funds liquid, they roll the dice and seek out the lesser of us and freeze our accounts like your money is their money. Then the 'ludicrous” runs about playing rich boy on our backs. Not good.

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Unfortunately,

No Ebay As for Ebay, most people can't resist the supposed 'deals' that seem to be offered on Ebay, but I have found that any supposed 'deal' that may be found on Ebay, which itself was and perhaps is still tethered to PayPal at the hips, can be bested by better quality products for comparable prices, and without the volatility that comes with the bid-gaming melodrama that Ebay is about. You can't really win with them, and if they freeze your account right in the middle of closing what seems to be a good deal, you end up looking stupid. I suggest here, make it a New Years resolution to avoid this company of dubious on-line wagerers, PayPal, Ebay, and those who intermingle with them.

No Facebook

...Zuckerberger, that world of the guy who takes all your Web traffic credits, and with it all the money due to you… Since

I try my best not to inadvertently sign into Zuckerberger, that world of the guy who takes all your Web traffic credits, and with it all the money due to you, and not even give you back a little bit of it the way, say Youtube does, avoiding that big Internet Police Station – Mugshot-book, is a no-brainer.

Fighting the Access to Commerce and Trade Power Block Over the past year then I have been looking for the alternatives to the

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Facebook-Ebay-PayPal syndicate. I have considered everything from direct online banking, to BitCoins, and other moneyless constructs. The greatest barriers to the credible but financially and digitally redlined member of society such as us small-time bloggers, traders, and consultants seems to be the same hindrances that threaten to keep us 'unbanked'. Small freelancers such as myself have a tendency not to rely on Visa, Mastercard, and American Express to Discover anything. We just don't have that kind of money and can't take that kind of risk. One guy told me the other day that for a long time he had to rely on the predatory check-cashing scam business (such as ACE Check Cashing) because nobody would give him a bank account thanks to one outstanding debt to some other bank. So he had to pay the one debt off completely first in order to engage commerce through any bank because he could not find a bank that would be willing to allow him to open an account – an account where he could receive money. Another guy told me he was sued, and he agreed to mediation, but during mediation the opposing party submitted the debt to credit agencies, wiping out his credit score. But the whole purpose of mediating was to avoid just that, so he may as well had gone

to court and lost the case. Even without a judgment the damage was already done. So, based on stories like these and mine own personal experiences I have learned: neither the government nor the courts control access to commerce in this country; the banks do, and for Black men, the banks are – generally speaking – Leviathan, regardless of trade name, location, or specialty, are One Big Organization – Brutal Asset-Negating Kings. If I rely on the OBO with his magic credit score number of 666 where those above it have access to commerce and those below it have access to none, in order obtain access to trade, then I may as well sell my soul to the Devil, and the last time I checked, that was a no-dealer because at the very least it comes with a whole lot of Sexual Fluidity that could turn a gay boy straight, and an island gal gay – and I'm being serious here, Rihanna! I am not into eating sausages, so there has to be a better way.

Select Options So far then, aside from meeting someone in person and getting the cash that way, I have settled on three ways to do transactions with others, Google Wallet, MoneyGram, and that tried and true old-fashioned Postal Money Order.

Google Wallet

...you do not have to be a corporation in order to obtain an EIN...

Google Wallet is a money transfer process developed to compete against the syndicate.

In order to use Google Wallet a person must have a Gmail account, and a bank account number. But you are not limited to your local bank which may be a member of the OBO. There are indeed some banks out there that can provide you an account even if other banks turn you down. Also if you are an entrepreneur, you should be savvy enough to secure an Employer Identification Number, and you should have a bank account with that number. Contrary to mis-education belief systems planting dependency into people's heads, particularly if you are in D.C., you do not have to be a corporation in order to obtain an EIN, and you certainly don't have to develop a non-profit acceptable to the Rule by Decree powers of the autocratic IRS Tax Commissioner. Believe it or not you can be a sole proprietor and get one!

Once you sign into your Google account, activate

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Google Wallet, and attach your bank account number, you just have to wait for Google to apply a little “$” sign icon to the editing toolbar of the compose messages box of your Gmail service. That may be the hardest part yet. Admittedly for me it took months, but I remained patient because I realized that given this is all a Gmail user to Gmail user money transfer system, whether Google divulges it or not, it would require a decent

quorum of users to activate Google Wallet and attempt to use it, in order for it to really work. Google claims anybody can send money to anyone with an email account, but to receive the money the receiver must have the Gmail account. I don't buy it. It is best if both sender and receiver have a Gmail account. It also makes the most sense, since the more people have accounts the more people will use Google's other services. To sweeten the deal Google one-upped the competitors by sending a Google Wall Debit card which turned out to be a Mastercard debit card. Its quite a nice status symbol to pull out that debit card even if I don't use it. It always generates the “wow” factor. So far I have not received any money from any sender, and I eagerly await such a transaction if for no other reason than to assure that OBO does not BANK me. If the transaction gets interrupted for any reason, I may not be able to use Google Wallet. Afterall, Google, like all the other Established Tech companies, is in Mountain View, California. So in recap here, if you have a Gmail account just open your compose mail box and click on the “$” icon. Enter an amount and send to “[email protected]”. Its as simple as that.

Money Gram

...“We don't accept evidence of U.S. Citizenship”...

Earlier this year one of my clients went out of town and then decided to send me some money, and she took a novel approach. She went to Walmart which has two ways for people to send and receive money: MoneyGram and Walmart to Walmart. Apparently the MoneyGram process is not able to send money to a receiver in the same state (D.C. here being considered a “state”), and the Walmart to Walmart money transfer is not able to send money to a receiver in the same store.

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I found out about this difference when I recently tried to pick up some money the client sent me when she got back in town. We conducted the transactions in person, however MoneyGram appears to have an online application as well, at least to send the money. If such a process turns out to be feasible, that would be a big boon here, as the Walmart-MoneyGram process could, if marketed properly, be the undoing of the PayPal fiasco. Unfortunately, so far this does not seem to be the case, due in no small part to the customer service employees at Walmart. Those folks just don't seem to have an intelligence quotient above the 100 mark, and when it comes to some Black guy with a funny accent like me coming up to them not to put money into their hands, but to take money out, well, too often they just aren't having it. They try to throw all kinds of stumbling blocks in the way: • “You didn't give the right answer to the secret question” • “You didn't know the secret question” • “You didn't indicate the telephone number of the sender” • “You didn't indicate the city where the money was sent from” • “You didn't know the store location where the money was sent from” • “Is it a MoneyGram transaction or a Walmart to Walmart transaction” • “He didn't know the amount sent” • “He didn't show the right ID card” • “We don't accept Library of Congress ID cards” • “We don't accept veterans ID cards” • “We don't accept DD-214s” • “We don't accept evidence of U.S. Citizenship”

• • • • • • •

“We don't accept voter registration cards” “You need to show proper government issued ID” “Proper government issued ID has your name, photograph, and expiration date” “Even though the Library of Congress card has your name, photograph, and expiration date, it is not a proper ID because it was not issued by a state” “Even though the Veterans ID card has your name, photograph, and expiration date, it is not a proper ID because it was not issued by a state” “A federally issued ID card is not a proper form of ID unless it is a state issued drivers license or a passport” “We only accept a state issued drivers license or a passport”

All this I get, as a mixed bag of excuses why they shouldn't have to give me my money. As for the last demand, that is usually uttered with the authoritative tone, or the Black female head wag and body twitch meet for the only plausible reply I am inclined to give to such a demand. All too often I stop just shy of telling these imbeciles to kindly take that request for a drivers license or passport and shove it knee deep up inside their asses, which is INTELLEXAE's Official Policy Reply to any entity, government worker, merchant, legislator, judge, president, banker, king, queen, general, henchman, terrorist, whatever that attempts to impose the demand for a drivers license or passport when a person is not driving a car and not traversing between the borders of Sovereign non-unified nations, which obviously vast hordes of Hispanics and George Soros don't even believe should exist. So the Walmart employees have a tendency to try to make the MoneyGram rules up as they go along, but so far this has not dampened the efficacy of being a money transaction patron of MoneyGram through Walmart. Nevertheless, as long as Walmart and Monegram fail to reign in on the power-parade of their carefully selected low-IQ'd incompetent employees, it is highly doubtful they will be able to muscle up enough market share to take a good enough bite out of the musky PayPal market strangle-hold Ebay syndicated trust.

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To recap on MoneyGram: • You can send money in person, or you may be able to do it online • To send money you need to give your name, address, telephone number, and amount • To receive money you need ◦ to show an ID card or know a secret question and answer the sender used to send the money, and ◦ If you are a Black male you may have a time with because of some low-IQ'd incompetent power-hungry Walmart employees who like to try to make arbitrary rules to deprive you of your belongings – your money as best they can.

Money Order

Sure, snail mail may take longer, but that shouldn't slow your ability to close a good deal or fund your favorite online writer...

If you are so zapped into Ebay and PayPal that you can't imagine any other way to conduct e-Commerce with your fellow-man other than through OBO's very insecure credit cards, or given these two options you remain queasy about online money transfers, then you may well consider the prospect of doing long-distance transactions the oldfassioned way – by using a United States Post Office Money Order. Sure, snail mail may take longer, but that shouldn't slow your ability to close a good deal or fund your favorite online writer like the good me folk here at INTELLEXAE. If you are buying and, or selling on the Internet, just as Ebay gives you a number of days to close a bid by paying for the goods, when you think about it, snail mail can dispatch an MO direct ly to you in even lest time – a day or two. I don't know how or why this option is being pushed off the list of options when it comes to making payments via online commerce. Consider the normative steps: 1. 2. 3. 4. 5. 6. 7. 8. 9.

A seller advertises a good or a group initiate a fundraising request drive via email list service. A buyer or contributer sees the Ad or Request and decides to purchase or donate. The buyer contacts the seller or fundraising groups and makes known his/her intent. The seller closes the sale or the group sends a thank you message. The buyer or donator physically goes to the local post office purchases a money order puts it into an envelope and sends it off. Two days later the seller or group gets the mail. The seller immediately sends off the merchandise in the mail, or if a return commemorative gift is promised as inducement for donating to the group's cause, the group does the same. About five days later, the buyer/donator gets his merchandise/commemorative gift in the mail. The buyer/donator sends a confirmation message closing the transaction.

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Remember this simple process people? Step 4 locks the transaction to the delivery of the goods. It takes just about as long as any PayPal transaction or Amazon shipment, and the only rules governing your transaction is the shipping requirements of the post office. No more arbitrary shut-off of your account. No more egg on the face. No more ball-and-chain by the OBO kings. Remember “OBO” here does not mean 'or best offer', it means One Big Organization. We break the Brutal Asset-Negating Kings' Trust. No more men of false reknown using your money to build space ships to go nowhere fast while your credit score false below 666.

I focus here on US Post Office money orders because the other money orders – such as the ones sole by 7-11 cannot be refunded by 7-11 at the purchase location. So if you purchase a money order and the transaction falls though you get stuck trying to cash out the money order and all of a sudden you discover that private financial institutions like Western Union have serious problems validating their one manufactured 'bearer instrument' money orders. Your better bet here is with the government stuff. By default, the use of post office money orders are the meens by which we can break the iron grasp that the banking trust has on the lesser of us and at the same time take action to kill the PayPal – its not a bank bs – syndicate.

Stop being expendable. So there you have it, three feasible ways to continue to facility online trade, Google Wallet using a non-brutal bank, MoneyGram albeit through the goons of Walmart, and reverting to the tried and verified postal money orders. If we simply stop falling for the social hex that the Syndicate and OBO kings have affixed on us and stop looking down on people just because unlike the sheeple they refuse to buy into the latest fad of lies instead of giving all our money to Elon Musk and his PayPal­its­not­a­bank  money spin game we can begin to break the chains of this neoredlining 'digital divide' that has been so utilitarian in keeping Black people in a lowly estate. Paypal may not be a bank, but it certainly is a financial institution; in reality, it is a gambling institution that rolls the dice on who's account to freeze next, as long as it is not Musk and one of his stakeholders. He doesn't make himself or them expendable. Stop being expendable. Take your step into the future by walking away from the digital capitols of the United States, Santa Clara and Mountain View over there in California ruled by gaming swindlers claiming to be computer geeks. Like the OBO kings, that Brutal Asset-Negating Klan, the only thing they engineer is how to continue to subjugate the rest of us. Written by Radcliffe Lewis, Correspondent, INTELLEXAE.

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