All posts in category META BANK same poor service as always

Proper Bank Reforms that Protect Consumers Needed for the Genuine Growth of our Economic Future

Barry wrote:

MetaBank and Bancorp Bank are two different banks, but they each issue the PayPower Visa card for Blackhawk.

Issuers of a Visa or MasterCard card must be a bank (Visa & MasterCard rules).

Thank you, Barry for sharing this information. 

The prepaid bank card that we had was issued by METABANK.

METABANK has been giving seminars to share their strategies once they got the US Congress to allow the open sale of PREPAID Bank Cards perhaps back in 2009, using Rupli and Associates, the D.C. Lobbyists.

METABANK is a bank.

METABANK is most astute in getting their own interests taken care of in efficient ways. METABANK’s Brad Hansen helped to create the Network Branded Prepaid Card Association as a non-profit advocacy group.

META BANK and the NPBCA paid huge amounts in 2009 to get their agenda for getting the prepaid cards out legally and in place everywhere. They paid more than any other entity to push this bill in the US House and the US Senate.

When we were scammed, the METABANK Prepaid Card was issued by VISA. METABANK toook our $5,000.00 in cash and failed to load the travel card. The METABANK representative did ask when we would be out of the country and they failed to load the card during that entire time period.

We had no cash with us because the cash had been put on the METABANK PREPAID CARD. The trip of a lifetime that we had saved for made us live like homeless people in another country. We only bought the METABANK VISA Travel Card because it was being issued by a company with whom we had done business for many years.

Using what little funds we had, I contacted the person who sold me the METABANK PREPAID CARD via an internet cafe. I was told that the problem had been corrected, but it wasn’t and we had no extra money on hand.

(METABANK Phone Representatives would criticize us because we hadn’t kept calling them from Europe….We had no money. How would we have kept phoning them or emailing someone to phone METABANK. This is what we mean by horrible customer service when the customer is always wrong, and this fact is what alerted us to the fraudulent practices within METABANK itself.)

What it amounted to was that we had given METABANK an interest free loan when they were going through all that legal fight over the fraudulent CDs they had been issuing.

When I got back to the USA, METABANK lied to us about why the card hadn’t been ever loaded. METABANK spent all of their energy on trying to push the blame off onto someone else. Once METABANK/METAPAYMENT SYSTEMS has your cash money, they can lie to you and change all of the rules. There is nothing to stop them.

Later that year, we met someone who encountered the same problems with the METABANK VISA PREPAID CARD.

We wrote to VISA to complain. Visa wrote back immediately to tell us that we would have to deal with META BANK directly because METABANK was in control of the process and they had simply used the VISA Name…… This is another area then that needs better regulations. Had VISA not been the most prominent feature on the card, we do not believe that we would have trusted the product even though it was being sold by a company where we had done business for perhaps 30 + years.

We have severed all ties with that company. Yes, we understand that their own CEOs had been wined and dined by META BANK so that they would allow METABANK/METAPAYMENT SYSTEMS to have access to their customer base and so that they would even promote the META BANK product for them as their partner company.

The partner company has lost all of our business after so many years.

We have shared other people’s experience using products that are produced by METABANK or any other bank that may operate using similar tactics because we do not wish any other person to be taken advantage of the way we were.

METABANK does training seminars for other banks. This may make it appear like what METABANK does is a legitimate thing, simply because other banks are now using the same scam.

We are asking for proper bank reforms that protect consumers.

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by mrnd5 on December 9, 2013  •  Permalink
Posted in Customer Service isn't listed as being one of META FINANCIAL GROUP INC areas of interest or studied skills, Customers of METABANK continue to complain about how they have been mistreated by METABANK, Customers' Scammed Repeatedly By METABANK, Cutting-edge technology, Don't pay using a debit card, don't take on more debt to pay off the first debt, Don't use PREPAID BANK CARDS of any kind, Economic Servitude needs to be studied and abolished in the USA, electronic banking, fast paced banking systems, fees related to gift cards, Fight Corruption, Financial Regulatory Reforms Needed, Meta Bank operates using many different names, META BANK same poor service as always, Meta Bank Scams Americans, Meta Bank sells VISA and Mastercard Pre-Paid Cards
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Posted by mrnd5 on December 9, 2013

https://mrnd5.wordpress.com/2013/12/09/proper-bank-reforms-that-protect-consumers-needed-for-the-genuine-growth-of-our-economic-future/

Solving Customer’s Problems Should Be of the Foremost Importance…. METABANK abused us while we were their customer

Customer Service Solves Problems To Create Loyal Clients

but NOT SO at METABANK

Make it easy for frustrated customers to contact you, get problems solved. You’ll create loyal clients.

In the past 30 days, I canceled service with three companies I’ve used for years.

Customer service was the reason. It was that bad.

 

But I kept my business with another company even though its actual service keeps messing up. That business’ customer service is that good.

Customer-service representatives are everywhere. Anyone with a phone, TV, computer, coffee maker, credit card or insurance; or who buys subscription services or makeup from shady companies advertising on TV has dealings with them.

And let’s not forget about business-to-business customer-service reps. [This is part of how METABANK performs their scam.]

Their numbers are growing by the minute. The Bureau of Labor Statistics predicts the profession will expand 15.5% through 2020.

Call centers alone had almost 23,000 vacant jobs, more than a third listed in the past week, according to CallCenterCrossing, which calls itself the largest collection of call-center jobs. The company cites the health care law, holiday season and general economic expansion as the chief reasons for a rise in call-center hiring.

As long as companies offer things to buy and services to use, folks will need help.

[Customers have over a period of many years now indicated that METABANK and its affiliates, including the Network Branded Bank Card Association, fail when it comes to customer service. We, as former METABANK customers/clients believe, based on our own personal experience using METABANK et al., that METABANK by design treats their customers in an abusive manner. We have been scammed and lied to. We have been treated in an inhumane manner.

METABANK does not offer any kind of model that should be used as a guideline by any other entity…. METABANK relies on numbers and the population is growing rapidly.

METABANK relies on getting partner corporate entities to market their prepaid bank card  a relationship which is in fact one that will increase the rate of decline of that partner company. At first the partner company will experience an initial  spurt that may appear to be great and fabulous; this is the honeymoon, but it is a marriage that is doomed by design. METABANK only wants their partner companies’ list of customers whom METABANK will use for their own financial gain.

In establishing this partnership, METABANK promises to take care of all the collections for their partner. Collections is the dirtiest of dirty work so the partner company is happy to hand over this part of the operation to METABANK. METABANK, as we former customers have found, has an abusive customer service system by design.

When METABANK’s customer serivice representatives basically went through a list of standard lies they had been handed to use for all situation; the lies serve to blame the customer for the problems the customer had encountered using METABANK. However, by design, METABANK created a prepaid bank card which customers load with cash money, and then METABANK limits and controls when and even if a customer will be able to have access to their own money…. This scheme is predatory. It is based upon false and misleading promises.

METABANK is by design immoral. Only consumers can speak up to warn others so that METABANK can be stopped from doing this great scam on the people.]

Companies claim to know how important these front-line jobs are. They say they strive for a “customer-first mindset,” “transparency and accountability,” “positive customer relationships” and “consistent and efficient delivery of superior customer service.”

So why don’t more customer-service reps deliver? Is it the company or the employees?

Likely both.

Workers tell me they want these jobs because they like people. Yet too many companies do everything they can to not let their people talk to us.

Finding contact information can be like a game of hide-and-seek.

Some refuse to talk to you. Take Twitter: [This isn’t a model anyone should follow!!!!!]

My account has had a problem for four months. I’ve obediently followed Twitter’s directions and sent in a dozen requests for help.

I’m still waiting for an answer.

On the other hand, companies such as crowdSPRING help businesses and creative talent find each other and make it easy for customers to communicate with them.

[This concept is an old one that worked. It worked very well. This is what we as consumers expect, but this is not at all what METABANK provides. METABANK uses this concept to catch consumers and their partner companies off guard so that METABANK can get their foot in the door. What META BANK does is an IMMORAL ACT.]

This company posts its phone number on every page of its site. No doubt this springs from the philosophy of co-founder Mike Samson who tells his reps that the spoken word is better than the written word, to say “please” and “thank you” and always end with “much obliged.”

 

People who get into customer service tell me they love to solve problems.

Yet “I can’t help you with that” are the last words that a lot of people hear from a customer-service rep.

  • Those workers either don’t know how to think like a problem solver or don’t think they have the authority to help.
  • Some customer-service reps are plain mean. The other day I asked a one that I could barely hear if she might speak a little louder.   She snapped, “No, I can’t scream.”
  • When you keep getting bad customer service, you wonder why companies keep sending surveys asking how your customer-service experience went.
  • I also often wonder why companies insist that customer-service reps speak canned faux caring phrases like “Have a nice day” after they’ve been mean and obstructive.

Chief Operating Officer Zach Cusimano of Bizness Apps, which makes mobile apps for companies, says his business doesn’t coach reps to use particular phrases.

Company officials do encourage them to “throw in some love” and foster more interactions by saying, “I’m happy to help,” “Please let me know if you have any other questions,” and “Looking forward to hearing from you again.”

[However, if these statements are nothing but empty words with no real response and no action behind them then they are useless. It is our strong impression as former METABANK customers that the CEOs of METABANK have created all of the guidelines, which include a list of rote excuses for why it is always the customers’ fault for any problems they may have encountered. METABANK creates the problems by which they get rich and then richer; METABANK breaks with every expectation that any person would normally expect.

METABANK creates all the rules and retains the right to change all of the rules without notice. This is bad, but on top of that METABANK takes customer’s money and keeps us/them from having access to their own money while using the NETWORK BRANDED PREPAID BANK CARD.

The NETWORK BRANDED PREPAID BANK CARD amounts to being an interest free loan from customers to a very rich bank. The whole concept has been reversed. Potential customers are mislead into taking on such a card by the partner company who is in effect being used as a “PATSY” in this dynamic triangle of abuse of the consumer.]

I contend that more people would like their customer-service jobs and customers would be happier if they did what Jesse Richardson does.

“We love our customers,” Richardson says. She is conscious community officer for Conscious Box, a subscription service for eco-friendly products.

Seriously.

If you want a satisfying career helping solve problems for people who are frustrated, confused and sometimes angry, care for them no matter what.

Find a great company that values them and you.

In the 25 years I’ve counseled people with their careers, most tell me one thing: I want to be of service to others. Here’s your chance.

[As former customers of METABANK we had expected this kind of treatment, but METABANK and the NETWORK BRANDED PREPAID CARD ASSOCIATION act in a predatory manner so that they abuse their customers, only to move onto the next  person so they can dupe that person. The huge size of our population is how METABANK has been able to get away with this kind of scam for as long as they have. Only you can stop this kind of a scam.]

Career consultant Andrea Kay is the author of This Is How To Get Your Next Job: An Inside Look at What Employers Really Want.

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by mrnd5 on October 27, 2013  •  Permalink
Posted in Access Sought To Your Company's Customer List, Advocate for your needs and concerns as a consumer, agreements with 520 campuses that enroll more than 4.3 million students, Annual Income of META BANK's CEOs, Bank Publicity that is simply "Garbage Talk", Bank Reform and Proper Regulations are Needed, BANK REFORMS NEEDED TO BE CAREFULLY REGULATED, Bank Regulations must be enforced, Bank regulators shut down MetaBank payday loans, Bank Scams go international, Bank Tellers at MetaBank earn wages on the average that are below the poverty level, Banking, banking in Storm Lake IOWA, Banking in the USA in 2013, BankMeta lies to keep customers from their own money, bankmeta.com, Banks are creating economic servitude in the USA, Banks Designed To Keep Consumers in Debt, Banks have created all the rules for PREPAID CARDS, Banks Lying to Consumers To Trick Them into taking on Debt, Big Corporations and Banks run the world, Complaints Against Meta Bank, Consumers act to protect themselves and others from further bank fraud and customer abuses, Consumers being forced to use plastic, Consumers Demand Bank Reforms That Serve Their Real Needs, Consumers must speak out, Consumers Need To Save Money And Stay Out of Debt, Consumers Start Talking and Learning Real Facts About Banking, Consumers suffer at the hands of METABANK, Corrupt Practices found within METABANK, Customer Complaints Abound Regarding how METABANK treats them., Customer Service at METABANK.com, Customer Service isn't listed as being one of META FINANCIAL GROUP INC areas of interest or studied skills, Customers of METABANK continue to complain about how they have been mistreated by METABANK, Customers' Scammed Repeatedly By METABANK, Do not give up control of your own money by using a prepaid card, Does METABANK believe their customer base are unworthy?, Dollar General Pre-paid Card is Meta Bank, Don't Invest in META BANK, Don't use PREPAID BANK CARDS of any kind, fees required to talk by phone to NETSPEND, Fight Corruption, Financial Regulatory Reforms Needed, Gift Cards are an interest free loan to an unknown bank, Gift Cards May be Suspended After Purchase and without notice, Green Dot is Meta Bank and Green Dot already has many complaints from customers, Internal Audit Committee at Meta Bank, Internal Audits not able to cope with problems related to prepaid bank cards, J. Tyler Haahr, Just Curious About Meta Bank's Ad Placement, META BANK bilks their customer base, Meta Bank charges customers for spending their own money, Meta Bank denied one man his right to a fair and impartial trial. What kind of a world citizen is Meta Bank? 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Posted by mrnd5 on October 27, 2013

https://mrnd5.wordpress.com/2013/10/27/solving-customers-problems-should-be-of-the-foremost-importance-metabank-abused-us-while-we-were-their-customer/

Meta Bank offers Visa Prepaid Cards – A Warning to Potential Partner’s of Meta Bank

Visa Prepaid Card Programs

Need more Information?

Call 1-877-xxx-xxxx to speak with a sales representative.

There are many different categories for prepaid card programs.

[Meta Bank only really offers one product. Meta Bank uses many different names and diverse marketing techniques, but the product is always the same. Meta Bank is a collections agency and they are designed to operate as a strong arm collection agency. Your customer base will be driven away by how Meta Bank abuses them.]

We will work with you to tailor a custom prepaid card solution to meet your company’s needs.

[Meta Bank excels in marketing. We have observed that Meta Bank basically courts other companies’ CEOs promising to address that partner company’s real needs, but META BANK is like  “a wolf in sheep’s clothing”; Meta Bank will promise you and your company greater profits. At first, your bottom line may improve, but offended long term customers will discontinue to do business with you in the long haul. There is nothing new about what Meta Bank does but you will be led to believe that Meta Bank will improve your bottom line. It is a marketing gimmick that will appear to work at first, and then it will fail in the long term. META BANK is using your list of customer’s for their own financial gain; important data will be kept from you.  We have seen this before] 

We have broken down some of the more popular prepaid program types below.

Employee Rewards

When setting up a prepaid employee rewards program it is important to identify the goals the program is supposed to achieve, the determination of appropriate rewards and how the program will be communicated to your employees. We can provide you with a prepaid solution to fit your unique needs.

  • Employee Incentive & Recognition

[ Meta Bank uses this to get your employees to push their prepaid cards. Many consumers have complained about the horrible customer service they have gotten from META BANK.]

  • Sales Incentives

[The actual rewards for the income that META BANK CEOs will make is insignificant for the employees.]

  • Health & Wellness Programs  

[ This is a new kink and marketing gimmick by META BANK, but it actually highlights that the Affordable Health Care Act is greatly needed.]

  • Safety Programs

[ OSHA is still in place.]

Customer Incentives

Engage existing customers and draw in new ones with a prepaid customer incentive program. An effective customer incentive program will increase purchase frequency and provide unique customer data that can add valuable insight into the behavior of your customers.

[This is publicity and marketing. Customers are complaining about this product and how they have been treated.]

  • Customer Loyalty

[ Do not confuse “Customer Loyalty will real and improved customer service, but with gimmicks that will eventually put the partner company out of business.]

  • Customer Retention

[ The loyalty cards are designed to keep customers coming back to the same store. Every competitor is offering the same gimmick now. This idea has already reached its limits and full potential; customer retention on the long term will only work if it is based on quality customer service…. META BANK will never be able to provide you as their partner with anything but a fierce collections system based on lying to your existing customers. META BANK will destroy any sense of trust that you may have previously provided by way of service.]

  • Referral Programs

[MetaBank gets other corporate entities to market their cards]

  • Promotions

[These “Promotions” are also gimmicky ways to get your employees to sell the MetaBank product. As Meta Bank customers, we have found their customer service to be abusive and predatory. Partner companies will end up losing customers over the long haul.]

Cards are issued by MetaBank TM, Member FDIC, pursuant

to a license from Visa U.S.A. Inc.

NOTE: If you have a problem using a VISA product that is offered by META BANK and you write to tell VISA that you are having a problem with their product, VISA will refer you back to META BANK and then META BANK’s Customer Abuse will begin in all earnest. Your life will become miserable. This was our experience using a VISA META BANK PREPAID CARD.

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by mrnd5 on October 13, 2013  •  Permalink
Posted in Avoid This Service, Bank Reform and Proper Regulations are Needed, BANK REFORMS NEEDED TO BE CAREFULLY REGULATED, Bank Regulations must be enforced, Bank regulators shut down MetaBank payday loans, Banking, Banks are creating economic servitude in the USA, Banks have created all the rules for PREPAID CARDS, being manipulated, Big Corporations and Banks run the world, but it is still Meta Bank's same service and poor quality, Complaints Against Meta Bank, Consumer Advocate, Consumer Alert, Consumer Rights Advocacy, Consumers act to protect themselves and others from further bank fraud and customer abuses, Consumers align to protect yourselves, Consumers are Vulnerable: Help each other, Consumers being forced to use plastic, Consumers Demand Bank Reforms That Serve Their Real Needs, Consumers Join Forces to Protect Each Other from Bank Scams and Frauds, Consumers must speak out, Consumers suffer at the hands of METABANK, Corrupt Practices found within METABANK, Customer Complaints Abound Regarding how METABANK treats them., Customer Loyalty, Customer Loyalty Program, Customer Service at METABANK.com, Customer Service isn't listed as being one of META FINANCIAL GROUP INC areas of interest or studied skills, Customers of METABANK continue to complain about how they have been mistreated by METABANK, Customers' Scammed Repeatedly By METABANK, Disabled Veteran abused by METABANK, Do not give up control of your own money by using a prepaid card, Don't Invest in META BANK, Don't use PREPAID BANK CARDS of any kind, fast paced banking systems, fees required to talk by phone to NETSPEND, Fight Corruption, Financial Regulatory Reforms Needed, Getting by in a tough economy, Gift Cards May be Suspended After Purchase and without notice, Human Rights, Integrity, Internal Audits not able to cope with problems related to prepaid bank cards, Just Curious About Meta Bank's Ad Placement, Meta Bank and Banks like it are the source of the bad economy - stop talking about any politician at any point in history, META BANK bilks their customer base, Meta Bank charges customers for spending their own money, Meta Bank is nothing but a publicity scam, Meta Bank never accepts responsibility, Meta Bank operates using many different names, META BANK same poor service as always, Meta Bank Scams Americans, Meta Bank sells VISA and Mastercard Pre-Paid Cards, METABANK CEOs make huge annual incomes, METABANK customers are still complaining about the abuse they have received from METABANK, METABANK Customers complain about METABANK's mistreatment, METABANK designed the prepaid bank cards, METABANK lies to their own customers, METABANK practices are dragging the economy down, METABANK PREPAID CARD, METABANK uses false awards- false testimonials, METABANK's partner company provides METABANK with access to their customer base, METABANK's practices are narcissitic, METABANK's publicity is a lie and filled with false promises, METABANK's publicity says that their prepaid card will meet your specific needs but in reality they are the exact same card just using different publicitty, Ordinary customers can't get the METABANK PREPAID CARD TO SERVE THEIR NEEDS, payment cards that carry hefty costs, Payment Systems, PREPAID BANK CARD FRAUDULENT PRACTICES, Publicity or Factual, rebate cards, Respect Consumers, Rules Designed BY METABANK for the benefit of METABANK, seek revenue growth for themselves not you the customer, Staying Competitive at What Expense, Stop Meta Bank, Storm Lake IOWA, Suspicious Activity is within Meta Bank's internal practices and policies, This is not a sustainable pattern for the US Economy., Thrift Bank - the concept is a scam, Tricked by METABANK's publicity, Two problems found in METABANK's "No Credit Check" Cards, Usury, We are all vulnerable to predatory practices of banks like METABANK, Why does METABANK lie to their own customers?, You may be dealing with Meta Bank under a different name
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Posted by mrnd5 on October 13, 2013

https://mrnd5.wordpress.com/2013/10/13/meta-bank-offers-visa-prepaid-cards-a-warning-to-potential-partners-of-meta-bank/

How METABANK ruins the lives of their customers on so many levels… a scientific study to be applied to the way METABANK treats their customers

Killer Stress: A National Geographic Special   

Below you will find the transcript of this National Geographic Special that explains how stress is a killer.

Being a customer os METABANK is stressful. We established this blog to alert others and to allow them to protect themselves.

What many former customers of METABANK have found is that METABANK scammed them and then lied to the customer, and attempted to push the blame for the problem back off onto the customer. Customer after customer has reported that METABANK took control of their money using misleading promises that a prepaid bankcard would be safer and more secure. The prepaid bankcard gives all control of a customer’s money over to METABANK; the prepaid cards bring in lots of money for METABANK. The prepaid bank cards are safer and more secure for METABANK, but not for METABANK customers.

METABANK CEOs make in the range of $700,000.00 annually. METABANK brags that they got started as a “thrift bank” that is as a bank who sought “to serve” the underbanked” and “un-banked” in our society. This meant that METABANK seeks to establish a relationship with their customer base that would allow METABANK CEOs to be the “Alpha” primate while their customer base in general is in a subservient position. METABANK lures in partner companies and customer using false promises; this is a form of aggression against their customer base because of the way that METABANK has designed a product that repeatedly fails to meet customer’s needs.

I was struck by the fact that METABANK was so ready to lie to me about why I couldn’t access my own money and that they worked hardest at trying to push the blame for the problem off onto me as their customer. Of course, online, I would learn that METABANK by design fails customers; this is what makes METABANK’s CEOs so rich.

Those who are abused by METABANK and any system that operates in a similar manner would be well advised not to do business with METABANK. It turns out that there are health consequences for any and all METABANK customers. Please read the following transcript:

Created by PBS2

Aired at 11:00 PM on Monday, Apr 12, 2010 (4/12/2010)

Transcript

00:00:02

Saplosky: Chronic stress could do something as unsubtle and grotesque as kill some of your brain cells.

00:00:08

Narrator: The impact of stress can be found deep within us, shrinking our brains, adding fat to our bellies, even unraveling our chromosomes.

00:00:19

Blackburn: This is real.

00:00:20

This is not just somebody whining.

00:00:22

[Baboon shrieking] Narrator: Stress– savior, tyrant, plague– its portrait revealed.

00:01:01

This program was made possible by contributions to your pbs station from viewers like you.

00:01:08

Thank you.

00:01:11

Narrator: All of us have a personal relationship with stress.

00:01:15

But few of us know how it operates within us or understand how the onslaught of the modern world can stress us to the point of death.

00:01:30

Fewer still know what we can do about it.

00:01:42

But over the last three decades, stanford university neurobiologist robert sapolsky has been advancing our understanding of stress– how it impacts our bodies and how our social standing can make us more or less susceptible.

00:02:00

Most of the time you can find him teaching and researching in the high achieving, high stressed world of brain science.

00:02:13

But that’s only part of his story.

00:02:15

For a few weeks every year or so, sapolsky shifts his lab to a place more than 9,000 miles away, on the plains of the masai mara reserve in kenya, east africa.

00:02:37

Robert sapolsky first came to africa over 30 years ago on a hunch.

00:02:42

He suspected he could find out more about humans, stress and disease by looking at non-humans.

00:02:50

And he knew just the non-humans.

00:02:54

Sapolsky: You live in a place like this, you’re a baboon, and you only have to spend about three hours a day getting your calories.

00:03:00

And if you only have to work three hours a day, you’ve got nine hours of free time every day to devote to making somebody else just miserable.

00:03:10

[Baboons shrieking] they’re not being stressed by lions chasing them all the time, they’re being stressed by each other.

00:03:18

They’re being stressed by social and psychological tumult invented by their own species.

00:03:24

They’re a perfect model for westernized stress-related disease.

00:03:28

Narrator: To determine just what toll stress was taking on their bodies, sapolsky wanted to look inside these wild baboons– at the cellular level for the very first time.

00:03:39

..

00:03:42

In the most unassuming way.

00:03:46

Sapolsky: Basically is what you’re trying to do is anesthetize a baboon without him knowing it’s coming because you don’t want to have any of this anticipatory stress, so you can’t just, you know, get in your jeep and chase the baboon up and down the field for three hours, and finally, when he’s winded, dart him with an anesthetic.

00:04:07

The big advantages of a blow gun are that it’s pretty much silent and hasn’t a whole lot in the way of moving parts.

00:04:16

But the big drawback is it doesn’t go very far.

00:04:22

So what you spend just a bizarre amount of time doing is trying to figure out how to look nonchalant around a baboon.

00:04:32

[Blows] got him.

00:04:34

Time?

00:04:36

Ok, he is wobbling now.

00:04:38

Whoop, there he goes.

00:04:41

Narrator: From each baboon blood sample, robert measured levels of hormones central to the stress response.

00:04:48

Sapolsky: Well, to make sense of what’s happening in your body, you’ve got these two hormones that are the work horses of the whole stress response.

00:04:55

One of them we all know, adrenaline.

00:04:58

American version, epinephrine.

00:05:00

The other is a less known hormone called glucocorticoids.

00:05:04

It comes out of the adrenal gland along with adrenaline.

00:05:07

And these are the two backbones of the stress response.

00:05:11

Narrator: That stress response and those two hormones are critical to our survival.

00:05:19

Sapolsky: Because what stress is about is somebody is very intent on eating you or you are very intent on eating somebody and there’s immediate crisis going on.

00:05:30

Narrator: When you run for your life, basics are all that matter.

00:05:34

Lungs work overtime to pump mammoth quantities of oxygen into the bloodstream.

00:05:40

The heart races to pump that oxygen throughout the body so muscles respond instantly.

00:05:48

Sapolsky: You need your blood pressure up to deliver that energy.

00:05:51

You need to turn off anything that’s not essential.

00:05:54

..

00:05:56

You know, you’re running for your life.

00:05:57

This is no time to ovulate.

00:05:59

Tissue repair, all that sort of thing.

00:06:01

Do it later if there is a later.

00:06:03

Narrator: When the zebra escapes, its stress response shuts down.

00:06:08

But human beings can’t seem to find their “off” switch.

00:06:13

Sapolsky: We turn on the exact same stress response for purely psychological states.

00:06:17

Thinking about the ozone layer, the taxes coming up, mortality, 30-year mortgages, we turn on the same stress response and the key difference there is we’re not doing it for a real physiological reason and we’re doing it non-stop.

00:06:34

Narrator: By not turning off the stress response when reacting to life’s traffic jams, we wallow in a corrosive bath of hormones.

00:06:43

Even though it’s not life or death, we hyperventilate.

00:06:48

Our hearts pound.

00:06:50

Muscles tense.

00:06:52

Sapolsky: Ironically, after a while, the stress response is more damaging than the stressor itself, because the stressor is some psychological nonsense that you’re falling for.

00:07:01

No zebra on earth, running for its life, would understand why fear of speaking in public would cause you to secrete the same hormones that it’s doing at that point to save its life.

00:07:15

Narrator: Stress is the body’s way of rising to a challenge, whether the challenge is life-threatening, trivial or fun.

00:07:24

Sapolsky: You get the right amount of stress and we call it stimulation.

00:07:28

The goal in life isn’t to get rid of stress.

00:07:30

The goal in life is to have the right type of stress because when it’s the right type, we love it.

00:07:35

[People screaming] we jump out of our seats to experience it, we pay good money to get stressed that way.

00:07:44

It tends to be a moderate stressor, where you’ve got a stressor that’s transient.

00:07:50

It’s not for nothing roller coaster rides are not three weeks long.

00:07:52

And most of all what they’re about is you relinquish a little bit of control in a setting that overall feels safe.

00:08:03

Narrator: But, in real life, for so many of us primates, including robert’s baboons, control is not an option.

00:08:18

Sapolsky: You get some big male who loses a fight, and chases a sub-adult, who bites an adult female, who slaps a juvenile, who knocks an infant out of a tree all in 15 seconds.

00:08:32

Insofar as a huge component of stress is lack of control, lack of predictability, you’re sitting there and you’re just watching the zebra and somebody else is having a bad day and it’s your rear end that’s going to get slashed.

00:08:47

So tremendously psychologically stressful for the folks further down on the hierarchy.

00:08:54

Narrator: One of robert’s early revelations was identifying the link between stress and hierarchy in baboons.

00:09:03

Some baboon troops are over 100 strong.

00:09:07

Like us, they have evolved large brains to navigate the complexities of large societies.

00:09:13

Survival here requires a kind of political savvy– with the most cunning and aggressive males gaining top rank and all the perks– females for the choosing, all the food they can eat, and an endless retinue of willing groomers.

00:09:33

Every male knows where he stands in society– who can torture him; who he can torture; and who, in turn, the torturee can torture.

00:09:46

Sapolsky: Well, this sounds like a terrible thing to confess after 30 years, but I don’t actually like baboons all that much.

00:09:52

I mean, there’s been individual guys over the years who I absolutely love, but they’re these scheming, back-stabbing machiavellian bastards.

00:10:01

They’re awful to each other, so they’re great for my science.

00:10:05

I mean, I’m not out here to commune with them.

00:10:07

They’re perfect for what I study.

00:10:09

Narrator: 22 Years ago at the age of 30 robert sapolsky’s landmark research earned him the MacArthur foundation’s genius fellowship.

00:10:21

His early work– measuring stress hormones from extracted blood– led to two remarkable discoveries.

00:10:29

A baboon’s rank determined the level of stress hormone in his system.

00:10:37

So, if you’re a dominant male, you can expect your stress hormones to be low.

00:10:43

And if you’re submissive, much higher.

00:10:49

But there was an even more astonishing find in sapolsky’s sample: Low rankers–the have-nots– had increased heart rates and higher blood pressure.

00:10:58

This was the first time anyone had linked stress to the deteriorating health of a primate in the wild.

00:11:05

Sapolsky: Basically, if you’re, you know, a stressed, unhealthy baboon in a typical troop, high blood pressure, elevated levels of stress hormones, you have an immune system that doesn’t work as well, your reproductive system is more vulnerable of being knocked out of whack.

00:11:20

Your brain chemistry is one that bears some similarity to what you see in clinically depressed humans.

00:11:27

And all that stuff, those are not predictors of a hale and hearty old age.

00:11:37

Narrator: Could this also be true for that other primate?

00:11:41

As robert sapolsky was monitoring stress in baboons, professor sir michael marmot was leading a study in great britain that tracked the health of more than 28,000 people over the course of 40 years.

00:11:57

It was named for whitehall, citadel of the british civil service, where every job is ranked in a precise hierarchy– the perfect laboratory to determine whether in humans there might be a link between rank and stress.

00:12:14

Man: I mean, that’s the thing about stress.

00:12:16

I think you’ve got to look at it in both acute terms and chronic terms.

00:12:18

And I think I’ve been under chronic stress in this organization simply because I’m a square peg in a round hole.

00:12:25

Narrator: Kevin brooks is a government lawyer.

00:12:30

His rank–level seven– means he has little seniority in his department.

00:12:34

He lives the life of a subordinate.

00:12:38

Brooks: I think what I was most aware of at the time was the workload and how I had most of it under control, but one of my cases wasn’t wholly under control, I’d let it slip, and it was a bit like, you know, being in a car and hitting an ice patch and skidding.

00:12:55

But nonetheless I came in monday morning, and my immediate manager, let’s call him ben– ben wants a word with you.

00:13:03

So we find a room, he shuts the door, then he says, you know what you’ve done, you know what happened while you were away?

00:13:09

We couldn’t find one of your files.

00:13:12

Do you know what that meant?

00:13:13

He just gave me a darn good kicking, you know?

00:13:16

Psychologically, he did me over.

00:13:18

And at the end of it, it was more threats, it was, right, this may be a disciplinary matter.

00:13:22

So I left the room, crossed over the corridor to my own room, and I just burst into tears.

00:13:29

..and wept.

00:13:35

Narrator: Sarah woodhall also works for the government.

00:13:39

Unlike kevin, she is a senior civil servant.

00:13:42

Woodhall: There are about 160 people reporting to me ultimately one way or another within the sector.

00:13:49

I do really enjoy working in civil service.

00:13:52

It’s quite a dynamic environment, it can be quite exciting.

00:13:58

I like working with lots of people, so, yeah, I do really enjoy my job.

00:14:04

Narrator: Such dramatically different reflections dramatize one of the most astounding scientific findings in the whitehall study.

00:14:12

Marmot: Firstly, it showed that the lower you were in the hierarchy, the higher your risk of heart disease and other diseases.

00:14:20

So people second from the top had higher risks than those at the top, people third from the top had a higher risk than those second from the top, and it ran all the way from top to bottom.

00:14:32

We’re dealing with people in stable jobs with no industrial exposures.

00:14:36

And yet your position in the hierarchy intimately related to your risk of disease and length of life.

00:14:44

Woodhall: I’ve been very lucky.

00:14:45

I haven’t ever experienced any problems with my health.

00:14:49

Since I’ve been in the senior civil service I haven’t had a day off with ill health.

00:14:54

So I’ve been very fortunate.

00:14:57

Brooks: In my own situation, I think that my career is pretty much tainted.

00:15:03

It’s pretty much arrested.

00:15:05

Because I’ve had– for instance, out of the last three years at work, I’ve been off sick for probably half that time.

00:15:12

Sapolsky: This particular study is sort of the rosetta stone of the whole field, because it’s the british civil service system.

00:15:18

Everybody’s got the same medical care, everybody’s got the same universal health care system, just like the baboons.

00:15:24

All the baboons eat the same thing, they have the same level of activity.

00:15:27

It’s not this stuff that, oh, if you’re a low-ranking baboon, you smoke too much and you drink too much.

00:15:32

And if you’re a low rank in the british civil service you never go to the doctor, you don’t get preventive vaccines.

00:15:38

Both of these studies rule out all those confounds, and they produce virtually identical findings.

00:15:44

Narrator: On both sides of the primate divide, there are soul-wrenching stories and life-threatening consequences.

00:15:52

For every subordinate, like kevin, living a life of baboon uncertainty, there is an alpha strutting his stuff, glorying in power– over someone else, someone unsuspecting, someone low-ranking.

00:16:17

[Blows] Sapolsky: Got him.

00:16:21

12:46.

00:16:23

Sapolsky: Do either of you see where the dart is?

00:16:26

Girl: Yeah, I do.

00:16:27

Sapolsky: Ok, guys, who do you think’s higher ranking?

00:16:30

Boy: Our guy.

00:16:31

Sapolsky: Yeah.

00:16:36

Watch carefully, make sure the other guy doesn’t hassle him.

00:16:40

Narrator: This year, robert brought his family to africa.

00:16:43

His wife, neuropsychologist lisa share-sapolsky, has also done extensive research with baboons.

00:16:51

And for the first time, they brought along their kids, benjamin and rachel.

00:17:05

Sapolsky: All the baboons are perfectly willing to get very freaked out by a human coming over and touching one of these guys.

00:17:12

But cover him with the burlap and he doesn’t exist anymore.

00:17:17

Oh, my god– he’s there, he’s there– oop, not there anymore!

00:17:24

Sapolsky: This is not quite like take your kids to work day.

00:17:26

But this is a pretty central feature of who I am by now, and who my wife and I are, and if our kids want to know where we came from, this is pretty fundamental.

00:17:41

Narrator: As in previous seasons robert measures how individuals at every level of the baboon hierarchy react to and recover from stress.

00:17:51

Sapolsky: So what we’re doing, we’re now going to challenge the system with increasing doses of epinephrine.

00:18:02

Narrator: The baboon’s response is immediately picked up in its blood– vital signs that can be deep frozen in perpetuity.

00:18:13

Sapolsky: It’s this storehouse of potential knowledge, and I got 30 years of those blood samples frozen away at this point because you never know when some new hormone or some new something or other pops up.

00:18:25

And that’s the thing to look at and start pulling out those samples back to when, you know, jimmy carter was president.

00:18:32

..125.

00:18:34

Narrator: Anticipating the long reach of stress is a recent idea, for when robert was rachel’s age, scientists believed stress was the cause of only one major problem.

00:18:47

Film narrator: This is a picture of a major american personnel problem– an ugly sore that doctors call a peptic ulcer, eating away at the wall of a man’s stomach.

00:18:59

[Dramatic music playing] those stomach pains that you talk about– the gnawing, the burning– those are obvious symptoms of gastric ulcers.

00:19:10

Sapolsky: 30 Years ago what’s the disease that comes to everybody’s mind when you mention stress?

00:19:14

stress and ulcers, stress and ulcers.

00:19:18

This was the first stress-related disease discovered, in fact, 70 years ago.

00:19:22

What I want you to do is to work on your attitude.

00:19:26

My attitude?

00:19:27

That’s right.

00:19:28

Ulcers breed on the wrong kind of feelings.

00:19:30

You’ve got to be honest with yourself about the way you feel about things.

00:19:33

Finding a new doctor sounds like a better answer to me.

00:19:38

Narrator: The connection between stress and ulcers was mainstream medical gospel until the late 1980s.

00:19:45

Then australian researchers identified a bacteria as the major cause of ulcers.

00:19:51

Sapolsky: And this overthrew the entire field.

00:19:54

This was it’s got nothing to do with stress.

00:19:57

It’s a bacterial disorder.

00:19:59

And I’m willing to bet half the gastroenterologists on earth, when they heard about this, went out and celebrated that night.

00:20:04

This was like the greatest news.

00:20:05

Never again were they going to have to sit down their patients and make eye contact and ask them how’s it going, so anything stressful?

00:20:14

It’s got nothing to do with stress, it’s a bacterial disorder.

00:20:16

Narrator: So no longer would the solution be stress management.

00:20:19

Now it could be something as simple as a pill.

00:20:24

It was a major breakthrough.

00:20:27

Stress didn’t cause ulcers.

00:20:31

Case closed.

00:20:34

But a few years later the research took a new twist.

00:20:40

Scientists discovered that this ulcer-causing bacteria wasn’t unique.

00:20:45

In fact, as much as two thirds of the world’s population has it.

00:20:50

So why do only a fraction of these people develop ulcers?

00:20:55

Research revealed that when stressed the body begins shutting down all non-essential systems, including the immune system.

00:21:04

And it became clear that if you shut down the immune system, stomach bacteria can run amok.

00:21:11

Sapolsky: Because what the stress does is wipe out the ability of your body to begin to repair your stomach walls when they start rotting away from this bacteria.

00:21:21

Narrator: So stress can cause ulcers– by disrupting our body’s ability to heal itself.

00:21:29

If stress can undermine the immune system, what other havoc can it wreak?

00:21:35

One answer comes from a colony of captive macaque monkeys near winston-salem, north carolina.

00:21:43

Shively: People think of stress as something that keeps them up at night or something that makes them yell at their kids.

00:21:49

But when you ask me what is stress, I say, “look at it, it’s this huge plaque in this artery, ” Narrator: carol shively has been studying the arteries of macaques.

00:22:06

Like baboons and british civil servants, these primates organize themselves into distinctly hierarchical groups and subject each other to social stress.

00:22:20

Stress hormones can trigger an intense negative cardiovascular response– a pounding heart and increased blood pressure.

00:22:29

So if stress follows rank, would the cardiovascular system of a high-ranking macaque– call him a primate ceo– be different from his subordinate?

00:22:43

When shively looked at the arteries of a dominant monkey– one with little history of stress– its arteries were clean.

00:22:51

But a subordinate monkey’s arteries told a grim tale.

00:22:56

Shively: A subordinate artery has lots more atherosclerosis built up inside it than a dominant artery has.

00:23:04

Narrator: Stress and the resulting flood of hormones had increased blood pressure, damaging artery walls, making them repositories for plaque.

00:23:15

Shively: So now when you feel threatened, your arteries don’t expand and your heart muscle doesn’t get more blood and that can lead to a heart attack.

00:23:26

This is not an abstract concept, it’s not something that maybe someday you should do something about.

00:23:31

You need to attend to it today because it’s affecting the way your body functions, and stress today will affect your health tomorrow and for years to come.

00:23:43

Narrator: Social and psychological stress– whether macaque, human or baboon– can clog our arteries, restrict blood flow, jeopardize the health of our heart.

00:23:55

And that’s just the beginning of stress’ deadly curse.

00:24:05

Robert’s early research demonstrated that stress works on us in an even more frightening way.

00:24:12

Sapolsky: Well, back when I was starting in this business, what I wound up focusing on was what seemed an utterly implausible idea at the time, which was chronic stress and chronic exposure to glucocorticoids could do something as unsubtle and grotesque as kill some of your brain cells.

00:24:33

Narrator: As a phd candidate at rockefeller university IN THE EARLY 1980s, Sapolsky collaborated with his mentor, dr.

00:24:39

bruce McEwen, to follow the path of stress into the brain.

00:24:48

They subjected lab rats to chronic stress and then examined their brain cells.

00:24:54

The team made an astonishing find: They found that while the cells of normal rat brains have extensive branches, stressed rats’ brain cells were dramatically smaller.

00:25:07

Sapolsky: And what was most interesting in many ways was the part of the brain where this was happening, hippocampus.

00:25:14

You take intro neurobiology any time for the last 5,000 years, and what you learn is hippocampus is learning and memory.

00:25:22

Narrator: Stress in these rats shrank the part of their brain responsible for memory.

00:25:28

McEwen: Stress affects memory in two ways.

00:25:30

Chronic stress can actually change brain circuits so that we lose the capacity to remember things as we need to.

00:25:41

Very severe, acute stress can have another effect which is often we refer to as “stress makes you stupid,” which is making it impossible for you, over short periods of time, to remember things you know perfectly well.

00:25:57

Sapolsky: We all know that phenomenon, we all know that one from back when we stressed ourselves by not getting any sleep at all, 00 we couldn’t remember a single thing for that final exam.

00:26:09

You take a human and stress them big time, long time, and you’re going to have a hippocampus that pays the price as well.

00:26:16

Narrator: So, in addition to undermining our health, stress can make us feel plain miserable.

00:26:22

Carol shively set out to find out why.

00:26:26

She began not with misery but with pleasure.

00:26:30

Shively suspected that there was a link between stress, pleasure, and where we stand on the social hierarchy.

00:26:37

Just like stress, pleasure is linked to the chemistry of the brain.

00:26:43

When a neurotransmitter called dopamine is released in the brain, it binds to receptors, signaling pleasure.

00:26:53

scanner to explore this process first by looking into the brain of a non-stressed primate, ” Shively: What we see is that the brains of dominant monkeys light up bright with lots of dopamine binding in this area that’s so important to reward and feeling pleasure about life.

00:27:14

Narrator: Shively then looked at the subordinate’s brain.

00:27:18

Shively: What we discovered is that the brains of the subordinate monkeys are very, very dull because there’s much less receptor binding going on in this area.

00:27:29

Why is that?

00:27:30

What is it about this area of the brain?

00:27:33

When you have less dopamine, everything around you that you would normally take pleasure in is less pleasurable, so the sun doesn’t shine so bright, the grass is not so green, food doesn’t taste as good.

00:27:45

It’s because of the way your brain is functioning that you’re doing that, and your brain is functioning that way because you’re low on the social status hierarchy.

00:27:53

Sapolsky: One feature of low rank is being low-ranking, the reality.

00:27:56

An even stronger feature, by the time you get to humans, is not just being low ranking or poor, it’s feeling low ranking or poor.

00:28:04

And one of the best ways for society to make you feel like one of the have-nots is to rub your nose over and over and over again with what you don’t have.

00:28:14

Narrator: Richmond, california– a town where society’s extremes can be spotted right from your car.

00:28:20

This is cardiologist jeffrey ritterman’s regular commute.

00:28:25

Ritterman: You can learn a lot about the stress and health outcome just from the neighborhoods you visit.

00:28:31

In this neighborhood, the life expectancy is quite good and most of the people are pretty healthy.

00:28:38

And as we reach the top of the hill, it gets to be a little bit less privileged.

00:28:45

And as we make this transition, the social status begins to drop, and correspondingly, in those areas, the health outcome is much worse.

00:28:57

And these people are not going to have the same life expectancy as the people in the middle class area we started in.

00:29:08

People are on guard, people are vigilant, they’re living a more stressful life.

00:29:14

This is a community that produces high stress hormones in people, and over time it takes its toll.

00:29:21

Narrator: ritterman’s patients is 65-year-old emanuel johnson.

00:29:27

guidance counselor in one of america’s most dangerous neighborhoods.

00:29:32

Johnson: Last year I think we had 47 homicides, you know.

00:29:36

In the last 4 days, we had 11 shootings, 3 deaths.

00:29:41

And I just know, nine times out of ten, it’s going to be a relative or someone that the kids know.

00:29:48

Narrator: For emanuel johnson, there is a price for chronic exposure to this stress.

00:29:54

Johnson: Five years ago I had a heart attack.

00:29:56

I’m a diabetic, too.

00:29:58

I have to work on it constantly.

00:29:59

I’ve been in this business 20 years.

00:30:01

So it’s just–it’s stressful just working the job, so over the years, you know, the cholesterol, the blood pressure, the sugar came on later, but the stress was always there, long before they came on.

00:30:15

Narrator: Emanuel johnson’s body may be telling yet another story of stress.

00:30:20

The whitehall study in england found an incredible link between stress, your position in the social hierarchy and how you put on weight.

00:30:30

Marmot: So it may not be just putting on weight, but also the distribution of that weight.

00:30:36

And the distribution of that weight– putting it on round the center– is related to position in the hierarchy, and that in turn may be related to chronic stress pathways.

00:30:48

Shively: So we said, does that happen in monkeys because they organize themselves in a hierarchy, too.

00:30:55

And it turns out that it does.

00:30:58

Subordinate monkeys are more likely to have fat in their abdomen than are dominant monkeys.

00:31:05

I think the most amazing observation that I’ve made in my lab is this idea that stress could actually change the way you deposit fat on your body.

00:31:19

To me, that was a bizarre idea that you could actually alter the way fat is distributed.

00:31:27

Narrator: Sapolsky, shively and others think stress could be a critical factor in the global obesity epidemic.

00:31:35

Even worse, fat brought on by stress is dangerous fat.

00:31:41

Shively: We know that fat carried on the trunk or actually inside the abdomen is much worse for you than fat carried elsewhere on the body.

00:31:50

It behaves differently, it’s– it is, um, it produces different kinds of hormones and chemicals and has different effects on your health.

00:32:00

Whatever it is that works for an individual, they need to value stress reduction.

00:32:07

I think the problem in our society is that we don’t value stress reduction, we, in fact, value the opposite.

00:32:13

We admire the person who not only multitasks and does two things at once, but does five things at once.

00:32:19

We kind of admire that person, how they manage that, you know, well, that’s–it’s– that’s an incredibly stressful way to live.

00:32:27

We have to change our values and value people who understand a balanced and serene life.

00:32:39

Narrator: One heartbreaking moment in history reveals that stress may, in fact, damage us long before we are even aware.

00:32:52

Holland, late 1944.

00:32:55

A brutal winter and a merciless army of occupation conspire to starve a nation.

00:33:02

It is known as the dutch hunger winter.

00:33:04

For those who survive today, these are haunting memories.

00:33:10

[Speaking dutch] Narrator: Dutch researcher tessa roseboom had heard many of those tragic memories.

00:33:43

She and her team wanted to know if there were any lingering effects.

00:33:49

Roseboom knew that our bodies respond to famine in much the same way they respond to other stressors, so she set out to see if the fetuses of women pregnant during these arduous days could possibly be affected by stress.

00:34:06

Because of meticulous record keeping by the dutch, roseboom was able to identify over 2,400 people who could have been impacted.

00:34:17

She and her team analyzed the data from those born during and after the famine and came to a surprising conclusion.

00:34:27

Roseboom: I think that you could say that these babies were exposed to stress in fetal life and they are still suffering the consequences of that now, 60 years later.

00:34:41

Narrator: Most of the dutch hunger winter children live today, all in their sixties.

00:34:47

Many still bear the scars of war.

00:34:51

Roseboom: We found that babies who were conceived during the famine have an increased risk of cardiovascular disease.

00:34:57

They have more hypercholesterolemia, they are more responsive to stress and they generally are in poorer health than people who were born before the famine or conceived after it.

00:35:11

Narrator: Researchers think that stress hormones in a mother’s blood triggered a change in the nervous system of the fetus as it struggled with starvation.

00:35:21

This was the fetus’ first encounter with stress.

00:35:26

Six decades later, the bodies of these dutch hunger winter children still haven’t forgotten.

00:35:33

Sapolsky: What we now know is it’s not just your fat cell storage that winds up being vulnerable to events like this.

00:35:40

It’s your brain chemistry.

00:35:41

It’s your capacity to learn as an adult.

00:35:44

It’s your capacity to respond to stress adaptively rather than maladaptively.

00:35:49

How readily you fall into depression, how vulnerable you are to psychiatric disorders– yet another realm in which early experience and early stress can leave a very bad footprint.

00:36:02

Woman: If I had had an option, I would not have opted to be bipolar, but now that I am bipolar, I’ll have to live with it.

00:36:11

[Speaking dutch] Sapolsky: What the dutch hunger winter phenomenon is about is experience, environment starts long before birth.

00:36:27

An adverse, stressful environment can leave imprints, can leave scars lasting a whole lifetime.

00:36:55

Rachel: We’re just taking fingerprints ’cause no baboon has the same fingerprint as another one.

00:37:01

So we just took honey bear’s, and I’m hoping to go over to riff and get his.

00:37:06

Narrator: During this year’s multi-generational research, robert, who has spent his career documenting stress’ effects on the individual and on the cell, tracks the trail of stress even deeper into our bodies.

00:37:21

Sapolsky: One of the most interesting new directions of stress research is taking the effects of stress down to a nuts and bolts level of how cells work, how genes work that half a dozen years ago, nobody could have imagined.

00:37:35

Narrator: The once unimaginable– genetic structures called telomeres, which protect the ends of our chromosomes from fraying.

00:37:44

As we age, our telomeres shorten.

00:37:47

Sapolsky: What’s interesting is stress, by way of stress hormones, can accelerate the shortening of telomeres.

00:37:55

So the assumption is for the exact same aged guys, if you’re a low-ranking guy who’s just marinating in stress hormones, your telomeres are going to be shorter.

00:38:04

Narrator: So how does this formidable finding apply to us?

00:38:10

San rafael, california.

00:38:12

Once a week janet lawson keeps a very important appointment.

00:38:17

She joins other mothers who share circumstances that produce chronic, unremitting stress.

00:38:23

Woman: But she loses her balance, and that’s the scary part.

00:38:26

So we just went out, actually last night, and bought a new helmet, storun Woman: We found that as she’s getting older and wanting more independence, it’s getting harder.

00:38:33

Narrator: Each of these women is mother to a disabled child.

00:38:37

Woman: As my son’s only 8 and there’s enough I can handle and I don’t allow myself to go too much out, I can’t.

00:38:43

Woman: I had a friend recently who said to me, you know, I think you really should consider putting lexie in a home.

00:38:49

And that was really stressful in and of itself ..

00:38:56

..sorry.

00:38:58

Don’t be sorry, hon.

00:39:00

So I was like, wow, how can you even say that?

00:39:03

She’s, you know, a little girlfriend.

00:39:06

She’s, um, even though she can’t really communicate, ..

00:39:14

She loves. she loves.

00:39:19

Narrator: These remarkable women came to the attention of biologist dr. elizabeth blackburn.

00:39:25

Blackburn: I don’t directly know the individuals, but I know the stories.

00:39:30

I’m a mother myself.

00:39:31

And so when I heard about this cohort, I really thought it was worthwhile finding out what really is happening at the heart of the cells in these mothers who are doing such a difficult thing for such a long time.

00:39:46

Narrator: blackburn is a leader in the field of telomere research.

00:39:51

Blackburn: We have 46 chromosomes and they’re capped off at each end by telomeres.

00:39:57

Nobody knew in humans whether telomeres and their fraying down over life would be affected by chronic stress.

00:40:04

And so we decided we would look at this cohort of chronically stressed mothers, and we decided to ask what’s happening to their telomeres and to the maintenance of their telomeres.

00:40:17

What we found was the length of the telomeres directly relates to the amount of stress somebody is under and the number of years that they’ve been under the stress.

00:40:28

Narrator: Such stressed mothers became the focus of a study blackburn’s colleague, psychologist elissa eppel.

00:40:36

Eppel: Mothers of young children are a highly stressed group.

00:40:41

They’re often balancing competing demands like work and child rearing and often don’t have time to take care of themselves.

00:40:49

So if you add on top of that the extra burden of caring for a child with special needs, it can be overwhelming.

00:40:56

It can tax the very reserves that sustain people, and if they’re stressed, if they report stress, they tend to die earlier.

00:41:05

Sapolsky: These women have shortened telomeres– decreased activity of this enzyme, and very, very rough number– for every year you were taking care of a chronically ill child, you got roughly six years’ worth of aging.

00:41:18

Blackburn: This is real.

00:41:19

This is not just somebody whining.

00:41:21

This is real medically serious aging going on, and we can see that it’s actually caused by the chronic stress.

00:41:33

Narrator: But there is hope.

00:41:34

blackburn co-discovered an enzyme, telomerase, that can repair the damage.

00:41:41

Woman: It’s what I always call the threat of hope.

00:41:45

[Laughter] Narrator: Preliminary data suggests that a meeting of minds such as this may actually have a health benefit, by stimulating the healing effects of telomerase.

00:41:58

Woman: If you don’t laugh, forget it, you can’t handle it.

00:42:03

Woman:..

00:42:06

There’s a certain level of black humor that we have about our kids that only we appreciate, we are the only ones who get the jokes, in a way we’re the only ones ..

00:42:17

Eppel: One of the questions in the stress field is what are the active ingredients that reduce stress and that promote longevity?

00:42:27

And compassion and caring for others may be one of those most important ingredients.

00:42:34

So those may be the factors that promote longevity and increase telomerase and keep our cells rejuvenating and regenerating.

00:42:44

Narrator: So perhaps connecting with and helping others can help us to mend ourselves and maybe even live longer, healthier lives.

00:42:54

20 Years ago sapolsky got a shocking preview of this idea.

00:43:01

The first troop he ever studied– the baboons he felt closest to and had written books about– suffered a calamity.

00:43:10

It would have a profound effect on his research.

00:43:14

Sapolsky: The keekorok troop is the one I started with 30 years ago.

00:43:19

And they were your basic old baboon troop at the time, which means males were aggressive and society was highly stratified, and females took a lot of grief, and your basic off-the-rack baboon troop.

00:43:32

And then about– by now almost 20 years ago, something horrific and scientifically very interesting happened to that troop.

00:43:41

Narrator: The keekorok troop took to foraging for food in the garbage dump of a popular tourist lodge.

00:43:49

It was a fatal move.

00:43:53

The trash included meat tainted with tuberculosis.

00:43:58

The result was that over half the males in the troop died.

00:44:04

Sapolsky: Not unreasonably, I got depressed as hell and pretty damn angry about what happened.

00:44:11

You know, you’re 30 years old, you can afford to expend a lot of emotion on a baboon troop, and there was a lot of emotion there.

00:44:19

Narrator: For robert, a decade of research appeared to have been lost.

00:44:25

But then he made a curious observation about who had died and who had survived.

00:44:32

Sapolsky: It wasn’t random who died.

00:44:34

In that troop, if you were aggressive and if you were not particularly socially connected, socially affiliative, you didn’t spend your time grooming and hanging out, if you were that kind of male, you died.

00:44:47

Narrator: Every alpha male was gone.

00:44:49

The keekorok troop had been transformed Sapolsky: And what you were left with was twice as many females as males, and the males who were remaining were, you know, just to use scientific jargon, they were good guys.

00:45:03

They were not aggressive jerks.

00:45:05

They were nice to the females.

00:45:06

They were very socially affiliative.

00:45:08

It completely transformed the atmosphere in the troop.

00:45:13

Narrator: When male baboons reach adolescence, they typically leave their home troop and roam, eventually finding a new troop.

00:45:22

Sapolsky: And when the new adolescent males would join the troop, they’d come in just as jerky as any adolescent males elsewhere on this planet, and it would take ’em about six months to learn, “we’re not like that in this troop.

00:45:34

We don’t do stuff like that.

00:45:36

We’re not that aggressive.

00:45:37

We spend more time grooming each other.

00:45:38

Males are calmer with each other.

00:45:40

You cannot dump on a female if you’re in ” and it takes these new guys about six months, and they assimilate this style.

00:45:48

And you have baboon culture, and this particular troop has a culture of very low levels of aggression and high levels of social affiliation, and they’re doing that 20 years later.

00:46:00

Narrator: And so the tragedy had provided robert with a fundamental lesson– not just about cells, but how the absence of stress could impact society.

00:46:11

Sapolsky: Do these guys have the same problems with high blood pressure? nope.

00:46:14

Do these guys have the same problems with brain chemistry related to anxiety, stress hormone levels?

00:46:20

Not at all.

00:46:21

It’s not just your rank, it’s what your rank means in your society.

00:46:26

Narrator: And the same is true for humans, with only a slight variation.

00:46:30

Sapolsky: We belong to multiple hierarchies, and you may have the worst job in your corporation and no autonomy and control and predictability, but you’re the captain of the company softball team that year and you’d better bet you are going to have all sorts of psychological means to decide it’s just a job, nine to five, that’s not what the world is about.

00:46:49

What the world’s about is softball.

00:46:52

I’m the head of my team, people look up to me, and you come out of that deciding you are on top of the hierarchy that matters to you.

00:47:06

Sapolsky: Well, that worked.

00:47:09

And lots of baboon poop.

00:47:13

Which under the right circumstances with the right season’s experiment is a goldmine.

00:47:21

Unfortunately this time around it’s just a cage to have to clean now.

00:47:32

I’m studying stress for 30 years now, and I even tell people how they should live differently, so presumably I should incorporate all this and the reality is, like, I’m unbelievably stressed and type “a” and poorly coping, and why else would I study this stuff 80 hours a week?

00:47:50

No doubt everything I advise is going to lose all its credibility if I keel over dead from a heart attack IN MY EARLY 50s.

00:47:57

I’m not good at dealing with stress.

00:48:00

One thing that works to my advantage is I love my work, I love every aspect of it, so that’s good.

00:48:06

Nonetheless this is pretty clearly a different place than the savannah in east africa.

00:48:13

You can do science here that’s very different and more interesting in some ways.

00:48:18

You can have hot showers on a more regular basis.

00:48:21

It’s a more interesting, varied world in lots of ways.

00:48:25

But there’s a lot out there that you sure miss.

00:48:38

It is a pretty miraculous place, where every meal tastes good and you’re 10 times more aware of every sensation.

00:48:49

This is a hard place to come to year after year without getting, I think, a very different metabolism and temperament.

00:48:58

..

00:49:02

More happy.

00:49:04

This is a hard place not to be happy.

00:49:14

Narrator: So one antidote to stress may be finding a place where we have control.

00:49:20

But how do we reckon with all the time we spend at work?

00:49:23

Marmot: I would say what we’ve learned from the whitehall study and the study of the non-human primates is the conditions in which people live and work are absolutely vital for their health.

00:49:38

Narrator: Senior civil servant sarah woodhall enjoys the benefits of control.

00:49:44

Woodhall: I don’t think I suffer from stress.

00:49:47

I don’t work a hundred hours a week.

00:49:49

I control the amount of work that I do to make sure that I can continue to deliver long term.

00:49:57

Marmot: Control, the amount of control is intimately related to where you are in the occupational hierarchy.

00:50:05

And what we have found is in general when people report to us that things have got worse, that the amount of work stress has gone up, their illness rates go up.

00:50:16

When people report to us that they’ve got more control and they’re being treated more fairly at work and there’s more justice in their amount of treatment, so things are getting better, the amount of illness goes down.

00:50:30

Woodhall: I’ve been very lucky.

00:50:30

I haven’t ever experienced any problems with my health.

00:50:33

Narrator: But not everyone is so lucky.

00:50:36

So is there a prescription for the vast majority of us who aren’t at the top?

00:50:42

Marmot: Give people more involvement in the work, give them more say in what they’re doing, give them more reward for the amount of effort they put out, and it might well be you’ll have not just a healthier workplace, but a more productive workplace as well.

00:50:58

Brooks: I’ve managed to achieve a degree of control.

00:51:02

At the moment, I’m in a really good position.

00:51:05

This is the first time where I feel I’ve had a boss who appreciates me.

00:51:08

He doesn’t dominate team meetings, he sits back.

00:51:11

He invites people to contribute.

00:51:14

He lets other people chair.

00:51:15

He’s a real manager, and he– from the start, when I returned after my latest sick leave, just six months ago, he was so positive.

00:51:22

I think I feel sufficiently empowered.

00:51:28

Narrator: Who would have imagined that robert’s baboons, roaming the cruel plains of africa, would point us humans toward a stress-free utopia?

00:51:38

Marmot: This may sound a little fanciful, but I think what we’re trying to create is a better society.

00:51:47

The implications, both of the baboons and of the british civil servants, is how can we create a society that has the conditions that will allow people to flourish?

00:51:59

And that’s where this is heading– to create a better society that promotes human flourishing.

00:52:08

Sapolsky: So what do baboons teach the average person in there?

00:52:12

Don’t bite somebody because you’re having a bad day.

00:52:15

Don’t displace on them in any sort of matter.

00:52:18

Social affiliation is a remarkably powerful thing.

00:52:22

And that said by somebody who lives in a world where ambition and drive and type-“a”-ness and all of that sort of thing dominates.

00:52:30

Those things are real important and one of the greatest forms of sociality is giving rather than receiving, and all those things make for a better world.

00:52:44

Another one of the things that baboons teach us is if they’re able to, in one generation, transform what are supposed to be textbook social systems sort of engraved in stone, we don’t have an excuse when we say there’s certain inevitabilities about human social systems.

00:53:04

Narrator: And so the haunting question that endures from robert’s life work– are we brave enough to learn from a baboon?

00:53:15

The keekorok troop didn’t just survive without stress, they thrived.

00:53:23

Can we?

00:53:34

portrait of a killeron dvd call pbs home video at 1-800-play-pbs or visit us online at shoppbs.org.

00:54:34

This program was made possible by contributions to your pbs station from viewers like you.

00:54:41

Thank you.

00:54:46

We are pbs.

Word Map

baboons know right Shively live brain guys disease humans When Woman health baboon society blood This telomeresstressed rank Sapolsky work response people pretty stress came going life social long research firstgood time amount civil make Narrator later heart years stressful hormones hierarchy troop place chronic

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by mrnd5 on March 22, 2013  •  Permalink
Posted in Bank Publicity that is simply "Garbage Talk", Bank Reform and Proper Regulations are Needed, Bank Reform needed, Bank Regulations must be enforced, Bank regulators shut down MetaBank payday loans, Bank Regulatory Reforms are Needed, Banks Designed To Keep Consumers in Debt, Banks have created all the rules for PREPAID CARDS, Banks Lying to Consumers To Trick Them into taking on Debt, being manipulated, Big Corporations and Banks run the world, Blackhawk & METABANK to be avoided, Consumer Alert, Consumer Rights Advocacy, Consumers align to protect yourselves, Consumers being forced to use plastic, Consumers Demand Bank Reforms That Serve Their Real Needs, Consumers Join Forces to Protect Each Other from Bank Scams and Frauds, Consumers Need To Save Money And Stay Out of Debt, Corrupt Practices found within METABANK, Creating Easy Preys Doesn't Make METABANK's Practices Moral, Customer Complaints Abound Regarding how METABANK treats them., Customer Service isn't listed as being one of META FINANCIAL GROUP INC areas of interest or studied skills, Customers of METABANK continue to complain about how they have been mistreated by METABANK, Disabled Veteran abused by METABANK, Do not give up control of your own money by using a prepaid card, Does METABANK believe their customer base are unworthy?, Don't Invest in META BANK, Don't use PREPAID BANK CARDS of any kind, fast paced banking systems, fees related to gift cards, Fight Corruption, Get Debit dot com is Meta Bank, Gift Cards May be Suspended After Purchase and without notice, Higher One has agreements with 520 campuses that enroll more than 4.3 million students, Holiday Gift Cards: have hidden fees, information systems, Internal Audits not able to cope with problems related to prepaid bank cards, Jackson-Hewitt and METABANK are partners, Jackson-Hewitt tax preparation services to be avoided, Meta Bank and Banks like it are the source of the bad economy - stop talking about any politician at any point in history, META BANK bilks their customer base, Meta Bank charges customers for spending their own money, META BANK continues same scam into end of 2012, Meta Bank denied one man his right to a fair and impartial trial. What kind of a world citizen is Meta Bank? We are tired of fighting the wars that Meta Bank causes., META BANK doesn’t serve the general public, Meta Bank is nothing but a publicity scam, Meta Bank never accepts responsibility, Meta Bank operates using many different names, META BANK same poor service as always, META FINANCIAL GROUP INC, META FINANCIAL GROUP INC continues to scam customers through the end of 2012, METABANK as the alpha baboon in our society, METABANK CEOs make huge annual incomes, METABANK customers are still being scammed, METABANK donates large amounts of money to re-elect Steve King, METABANK is a collections agency and not a bank, METABANK uses both Pyramid and Ponzi Schemes, METABANK uses false awards- false testimonials, METABANK uses the rules for their own gain, METABANK's partner company provides METABANK with access to their customer base
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Posted by mrnd5 on March 22, 2013

https://mrnd5.wordpress.com/2013/03/22/how-metabank-ruins-the-lives-of-their-customers-on-so-many-levels-a-scientific-study-to-be-applied-to-the-way-metabank-treats-their-customers/

BankMeta.com

METABANK Scams their customers over and over again

youre not aloneyou’re not alone

Nov 14, 2009

 

 

I purchased an Only1 prepaid debit card for gasoline purchases to avoid using my bank checkcard and to pay at the pumps. The card I purchased was a $100.00 card.

The total cost was $106.00 at the register.

The following morning I tried to use the card at the pumps only to discover the card was only good for in store purchases.

I prepaid for $20.00 worth of gas and left with the intention of spending the balance immediately and eliminating the card.

Imagine my surprise when 30 minutes later I discovered the balance on the card was $5. Thats right!!! I paid $106.00 for a card with a purchase value of $25.00

Please complain to everyone , everywhere until we get the proper customer service we need as consumers….METABANK hasn’t provided proper customer service and they apparently don’t have any intention of giving proper customer service…. As consumers we must speak up for our rights!!!!!

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by mrnd5 on February 19, 2013  •  Permalink
Posted in Accountability, Advocate for your needs and concerns as a consumer, Annual Income of META BANK's CEOs, Bank Publicity that is simply "Garbage Talk", Bank Reform and Proper Regulations are Needed, BANK REFORMS NEEDED TO BE CAREFULLY REGULATED, Banking, banking in Storm Lake IOWA, BankMeta lies to keep customers from their own money, bankmeta.com, Banks Designed To Keep Consumers in Debt, Banks have created all the rules for PREPAID CARDS, Banks Lying to Consumers To Trick Them into taking on Debt, Be sure to vote and then to follow up asking elected officials to serve you as a consumer, but it is still Meta Bank's same service and poor quality, Complaints Against Meta Bank, Consumer Advocate, Consumer Alert, Consumer Rights Advocacy, Consumer Rights- consumers have no or few protections from predatory banking practices, Consumers act to protect themselves and others from further bank fraud and customer abuses, Consumers align to protect yourselves, Consumers are Vulnerable: Help each other, Consumers being forced to use plastic, Consumers Demand Bank Reforms That Serve Their Real Needs, Consumers Join Forces to Protect Each Other from Bank Scams and Frauds, Consumers must speak out, Consumers Start Talking and Learning Real Facts About Banking, Consumers suffer at the hands of METABANK, Corrupt Practices found within METABANK, Creating Easy Preys Doesn't Make METABANK's Practices Moral, Customer Complaints Abound Regarding how METABANK treats them., Customer Service isn't listed as being one of META FINANCIAL GROUP INC areas of interest or studied skills, Customers of METABANK continue to complain about how they have been mistreated by METABANK, Disabled Veteran abused by METABANK, Don't Invest in META BANK, Don't use PREPAID BANK CARDS of any kind, Economic Servitude needs to be studied and abolished in the USA, electronic banking, End Overdraft Fees, fast paced banking systems, fees related to gift cards, Fight Corruption, Financial Regulatory Reforms Needed, Holiday Gift Cards: have hidden fees, Human Rights, Internal Audit Committee at Meta Bank, Internal Audits not able to cope with problems related to prepaid bank cards, J. Tyler Haahr, Just Curious About Meta Bank's Ad Placement, marketing is basically Meta Bank's major strength just behind collections, META BANK bilks their customer base, Meta Bank charges customers for spending their own money, META BANK doesn’t serve the general public, Meta Bank is nothing but a publicity scam, Meta Bank never accepts responsibility, Meta Bank operates using many different names, META BANK same poor service as always, Meta Bank Scams Americans, META BANK: Creating all the rules in their own favor, META FINANCIAL GROUP, META FINANCIAL GROUP INC fails to address customers' real needs, META FINANCIAL GROUP INC pushes blame off onto their customers for their own design issues and internal operating problems, METABANK average employees earn wages below the poverty level, METABANK causes the late fees for customers, METABANK customers are still being scammed, METABANK donates large amounts of money to re-elect Steve King, METABANK is a collections agency and not a bank, METABANK is a piece of crap, MetaBank is corrupt, METABANK lies to their own customers, METABANK operates using many different names, METABANK practices are dragging the economy down, METABANK uses both Pyramid and Ponzi Schemes, METABANK uses shills- stooges to market their product, METABANK's partner company provides METABANK with access to their customer base, METABANK's practices are narcissitic, METABANK's publicity is a lie and filled with false promises, METABANK's publicity says that their prepaid card will meet your specific needs but in reality they are the exact same card just using different publicitty, Money mules get METABANK PREPAID CARDS to work for them, Narcissism of Storm Lake IOWA, Narcissistic practices found to be within METABANK's operation, NBPCA is a scam on the American public, Netspend/Meta Bank makes life miserable, Ordinary customers can't get the METABANK PREPAID CARD TO SERVE THEIR NEEDS, Pre-paid Bank Cards don't work, PREPAID CARDS are not consumer friendly, PrePaid Name Brand Bank Card Association a non-profit is a scam, self-centered, self-motivated, self-serving, shift the cost of handing out financial aid money from universities, Stop Meta Bank, Storm Lake IOWA, Success shouldn't be about profits - People mattter, Suspicious Activity is within Meta Bank's internal practices and policies, sustainable banking, Terrorism within the USA, Tricked by METABANK's publicity, Two problems found in METABANK's "No Credit Check" Cards, US Government needs to seize Meta Bank's assets, Usury, We are all vulnerable to predatory practices of banks like METABANK, Western Union and MetaBank have joined forces, What were Meta Bank's supervisors and internal auditors doing? Did they even exist? Why doesn't Meta Bank's Higher Ups ever know anything and have to push the blame around all the time?, Where There Is Smoke There Is Fire, Why does METABANK lie to their own customers?, You may be dealing with Meta Bank under a different name
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Posted by mrnd5 on February 19, 2013

https://mrnd5.wordpress.com/2013/02/19/bankmeta-com-2/

Making a budget, Paying using only cash… Easier and safest approach at this time

Budgeting simplified to allow us to save and to spend using cash only!!!

10 Ways to Simplify Your Budget

Every Tuesday is Finance & Family Day at Zen Habits.

I’m always looking for ways to simplify my finances (I’m weird like that, I know), and recently I’ve been scrutinizing my already-simple budget to make it even simpler.

I thought it would be helpful to share some of the ways to make your budget as simple as possible.

The goal is to

  • reduce headaches,
  • eliminate the need for complicated tracking schemes,
  • and reduce the time you spend on your budget and finances to about 15-20 minutes per week.

I can’t claim these ideas are original, or that I haven’t discussed them in various places before, but in my experience, they work. They’re simple and powerful.

Let’s first look at setting up a budget.

If you haven’t done it yet, it’s probably because budgets seem intimidating to you, or they are too much hassle to set up and maintain.

Those are both valid points — which is why you should follow this simplified plan if these things apply to you. Now, there’s plenty of fancy software out there for setting up budgets, but I don’t think they’re necessary. A simple spreadsheet will do — and if you can create a SUM formula to add up the total of a column of numbers, you have all the spreadsheet knowledge necessary.

1. Create a simple spreadsheet for your budget, if you haven’t already, and start by listing your income and your monthly expenses. Estimate, in round numbers, how much you spend on each expense every month. You can adjust later, but it’s better to err on the side of too high a number, rather than putting a low number and breaking your budget.

Now let’s look at ways to create a simple budget:

2.  60 Percent Solution. There are many ways to structure your budget, but the simplest I’ve found is the 60% solution. Basically, this budget asks you to fit your regular monthly expenses within 60% of your gross income, so that you have room for savings (long-term and short-term), retirement and spending money (“fun money”). These are the things that most often break a budget, because most people don’t budget for them.

Now, your percentage will vary, but the percentages given here are just rough guidelines:Fewer categories.

A lot of budget software asks you to fill in a million categories and subcategories. Those can be useful if you want to track all that stuff, but I don’t. I recommend simplifying: just use broad categories like food and gas and spending and utilities. Use what works.

  • 60 percent: Monthly expenses — such as housing, food, utilities, insurance, Internet, transportation. This is the part most commonly thought of as a budget.
  • 10 percent: Retirement — and if you’re doing it right, this is being automatically deducted from your paycheck for a 401(k) investment.
  • 10 percent: Long-term savings or debt reduction. It’s best to invest this in something such as stocks or an index fund, and this can serve as your emergency fund. But if you are in debt (not including a home mortgage), I would advise that you use this portion of the budget to pay off your debts, and even draw some from the other categories such as retirement to increase this to about 20 percent for now. Once your debts are paid off, you can switch this to long-term savings. You still need to have an emergency fund, but while you’re in debt-reduction mode you can either create a small, temporary emergency fund out of the money from this category or the next.
  • 10 percent: Short-term savings — this is for periodic expenses, such as auto maintenance or repairs, medical expenses (not including insurance premiums), appliances, home maintenance, birthday and Christmas gifts. For this savings account, be sure to spend the money when you need it — that’s what it’s for. When these expenses come up, you will have the money for them, instead of trying to pull them from other budget categories.
  • 10 percent: Fun money — you can spend this on eating out, movies, comic books — whatever you want. Guilt free.

3. Pay bills online. As much as possible, pay your bills online. These would be most of the bills in the first category above — utilities, rent or mortgage, cell phone, Internet, etc. If you can’t pay electronically, have your bank send out a check to the vendor. Make these payments automatic, so you don’t need to worry about them.

4. Automatic savings. Make your savings automatic as well. Every time your paycheck is deducted, have a scheduled transaction transfer a set amount from checking to savings. Use a high-yield online savings account such as Emigrant Direct, HBSD, or ING Direct.        [I am not familiar with any of these companies so I cannot endorse them…. They were in the original article… Please note though that you are not being sent to bank at METABANK. There is a very good reason for that.]
5. Cash. For everything else, use cash. If you’re doing automatic bill payments and savings deductions, the only things you’ll likely need cash for are gas, groceries and fun money. Withdraw these amounts in cash twice a month, rather than using checks or credit cards. The reason is that it’s simpler — with cash, you don’t need to worry about overspending, or tracking how much is left in that category. You can see how much is left. Leave the credit cards for when you absolutely need them — traveling, for example.
6. Envelopes. If you use cash for three categories, for example, use three envelopes. This is an old-fashioned system, but I use it because it works. I have an envelope for groceries, gas and fun money. If I’m going grocery shopping, I bring the groceries envelope. I know how much is left in the envelope before I go grocery shopping. I spend the cash for groceries, and then can easily see how much is left now. Simple, and no tracking necessary. When the money is gone, you’ve spent your budgeted amount. If necessary, you could transfer cash from one envelope to another, and there’s no need to adjust your budget.
7. 15-20 minutes a week. Now, the budget and spending plan I’ve outlined above is fairly simple and headache-free — but you shouldn’t assume that it doesn’t need any maintenance.
You should devote 15-20 minutes a week to ensuring that your finances are in order. Just this little amount of time each week will greatly simplify your financial life, reduce headaches, and prevent any messes from occurring later. Set a day and time when you take a look at your finances each week.
Set aside 30 minutes, just to be safe. Now take 5-10 minutes to enter your transactions into your financial software (I use MS Money, because it came with my computer, but a spreadsheet or other financial software will do fine).
If you’re following the plan above, all you’ll need to do is go online, look at your bank account, and enter your deposits, bills paid, ATM withdrawals (only do this twice a month!), and any other fees. It shouldn’t take long.
Now spend another 5-10 minutes to review your budget and make sure that all bills have been paid that should be paid. If not, pay them.
It’s that simple. You’re done. Now go back to reading your blogs.
8. Fewer accounts. Some people have complicated systems set up with lots of different accounts. I say simplify. You don’t want to be checking a million different accounts. You should have one checking account and one or two savings accounts (one for emergency fund and one for periodic expenses). You could have a bunch of investment accounts if you want, but I’ve found it simpler to just have one. I lose diversity, but my fund is already pretty diversified.
9. Dump credit cards.
[Dump all  bank cards period…. Get rid of all those plastic nooses!!!!] Multiple credit cards are also a headache. Simplify by just having one. Or do what I do — have none.
This will draw the usual outraged or preachy reaction from those who really love their credit cards, but I don’t care.

 

I don’t like credit cards. Call me old fashioned.

 

They charge high interest and they’re potentially dangerous (if you run up a high bill and an expense comes up that you need to pay for which means you can’t pay your credit card bill on time, you now are stuck with high-interest credit card debt).

 

Use a debit card if you need to.

[NO, NO, NO!!!!!  

……We cannot advise using a debit card  either because this amounts to being an interest free loan to a bank and often the consumer is charged activation fees for these cards on top of giving out an inbterest free loan…

…This is the biggest gimmick to come about in centuries… Clever marketing makes the debit card sound like a way to keep yourself from over spending, but the way that METABANK operates internally means that customers are kept from being able to access their own money when they really need it. Some have complained that they had to get a loan to even be able to pay routine monthly bills. METABANK is operating  a fraud on their customers. They lied to me about why they felt they should keep me from accessing my own cash money…. METABANK made themselves into the “PREPAID CARD POLICING SYSTEM.” However, it is METABANK who is doing a major scam…..

…All that we can do is to warn others not to use any kind of METABANK PRODUCT]

10. Pay all bills at the same time. It often just takes a simple call to get a vendor or creditor to change the due date on your bills. If you can get all your bills to be due on, let’s say, the 10th of the month, you can do all your bill paying at once. For some people, this will mean they will need to do a bit of scrimping to get ahead enough so that they can afford to make all their month’s payments at the beginning of the month, but it’s worth it. You can pay all your bills and be done with it.
[Because the product that METABANK, a PREPAID CARD, didn’t work at all from a consumer’s perspective for us and many others who complain regularly about how they have been kept from being able to access their own money once they gave METABANK cash money to place on a prepaid card, we feel compelled to alert other consumers that the METABANK PREPAID CARD isn’t good for customers/consumers.]

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by mrnd5 on February 5, 2013  •  Permalink
Posted in Bank Reform and Proper Regulations are Needed, BANK REFORMS NEEDED TO BE CAREFULLY REGULATED, Bank regulators shut down MetaBank payday loans, banking in Storm Lake IOWA, Banks Designed To Keep Consumers in Debt, Banks have created all the rules for PREPAID CARDS, Banks Lying to Consumers To Trick Them into taking on Debt, but it is still Meta Bank's same service and poor quality, Complaints Against Meta Bank, Consumer Advocate, Consumer Alert, Consumer Rights Advocacy, Consumer Rights- consumers have no or few protections from predatory banking practices, Consumers align to protect yourselves, Consumers are Vulnerable: Help each other, Consumers being forced to use plastic, Consumers Demand Bank Reforms That Serve Their Real Needs, Consumers Join Forces to Protect Each Other from Bank Scams and Frauds, Consumers must speak out, Consumers Need To Save Money And Stay Out of Debt, Corrupt Practices found within METABANK, Creating Easy Preys Doesn't Make METABANK's Practices Moral, Customer Service isn't listed as being one of META FINANCIAL GROUP INC areas of interest or studied skills, Customer's being scammed by Money Network, Customers of METABANK continue to complain about how they have been mistreated by METABANK, debit card fraud is always a possibility, Don't Invest in META BANK, Don't pay using a debit card, don't take on more debt to pay off the first debt, Don't use PREPAID BANK CARDS of any kind, Economic Servitude needs to be studied and abolished in the USA, fast paced banking systems, Fight Corruption, future oriented, getting out of debt, Gift Cards May be Suspended After Purchase and without notice, Holiday Gift Cards: have hidden fees, How to make a budget and to save money, Just try to save, marketing is basically Meta Bank's major strength just behind collections, Meta Bank charges customers for spending their own money, META BANK doesn’t serve the general public, Meta Bank is nothing but a publicity scam, Meta Bank never accepts responsibility, META BANK same poor service as always, METABANK CEOs create and require all of the rules, METABANK CEOs make huge annual incomes, METABANK customers are still complaining about the abuse they have received from METABANK, METABANK Customers complain about METABANK's mistreatment, METABANK is a collections agency and not a bank, MetaBank is corrupt, METABANK lies to their own customers, METABANK operates using many different names, METABANK practices are dragging the economy down, METABANK PREPAID CARD, METABANK uses both Pyramid and Ponzi Schemes, METABANK uses false awards- false testimonials, METABANK's partner company provides METABANK with access to their customer base, METABANK's publicity says that their prepaid card will meet your specific needs but in reality they are the exact same card just using different publicitty, Money and Spending Wisely, Narcissistic practices found to be within METABANK's operation, personal finance, PREPAID CARDS are not adequately regulated, PREPAID CARDS are not consumer friendly, PrePaid Name Brand Bank Card Association a non-profit is a scam, Saving Money, Scams by banks like METABANK, Stay Out of Debt, Stay out of debt- don't get loans to pay off loans, Success shouldn't be about profits - People mattter, Suspicious Activity is within Meta Bank's internal practices and policies
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Posted by mrnd5 on February 5, 2013

https://mrnd5.wordpress.com/2013/02/05/making-a-budget-paying-using-only-cash-easier-and-safest-approach-at-this-time/

META BANK Lies to customers and pushes all blame for problems off onto customers when every indication is that METABANK, META PAYMENT SOLUTIONS; META FINANCIAL GROUP,INC has designed their product to take advantage of consumers

The topic of the following article talks about Pathological Liars in the Workplace.

It makes the assumption that there may be only one pathological liar in the workplace. As customers of METABANK, META PAYMENT SOLUTIONS; META FINANCIAL GROUP,INC  we have been so brazenly lied to and had the blame pushed off onto us and away from the real source which is METABANK, META PAYMENT SOLUTIONS; META FINANCIAL GROUP,INC  itself.

Because METABANK, META PAYMENT SOLUTIONS; META FINANCIAL GROUP,INC  has failed to address customer complaints over a period of years and because customers complain about the same problems with the METABANK, META PAYMENT SOLUTIONS; META FINANCIAL GROUP,INC  product and service, we must believe that the design of their product is sick and that the mindset behind that sick product is the source of the real problem.

For that reason we must consider the probably that Pathological Lying is the source of the real problem within METABANK, META PAYMENT SOLUTIONS; META FINANCIAL GROUP,INC 

How to Deal With a Pathological Liar in the Workplace

by Kate McFarlin, Demand Media

Dealing with a pathological liar is never an enjoyable task, particularly when the situation is at work.

The situation may not reveal itself fully until some time has passed and the person who appeared to be the ideal employee turns about to be anything but.

Based on the publicity for METABANK, META PAYMENT SOLUTIONS; META FINANCIAL GROUP,INC products, they may be perceived by  customers to be sound.

It is only after experiencing awful customer treatment, being lied to and having blame pushed off on us without getting any kind of satisfaction from METABANK, META PAYMENT SOLUTIONS; META FINANCIAL GROUP,INC  at the point that they have full control of our hard earned money, that customers may become first aware of how awful METABANK, META PAYMENT SOLUTIONS; META FINANCIAL GROUP,INC really is. Then customers are already stuck in a cesspool of lies and in appropriate blaming practices that fail to address their concerns. 

METABANK, META PAYMENT SOLUTIONS; META FINANCIAL GROUP,INC  only want to get control of customers money, and to keep you from accessing your own money. This has happened over and over again.

METABANK, META PAYMENT SOLUTIONS; META FINANCIAL GROUP,INC  uses customers to get interest free loans for themselves. METABANK, META PAYMENT SOLUTIONS; META FINANCIAL GROUP,INC  never intended to provide you with any real customer service; it is all about how METABANK, META PAYMENT SOLUTIONS; META FINANCIAL GROUP,INC  get more and more money for themselves.

Learning how to deal with a pathological liar in the workplace is not an easy task and removing them from your employment may not be easy either. In order to protect your company legally as well as publicly, specific steps should be taken.

In the case of METABANK, META PAYMENT SOLUTIONS; META FINANCIAL GROUP,INC , the pathological liar seems to be within their design plans so therefore among the CEOs themselves who are making huge amounts of money for themselves… at customers’ expense and great dissatifaction.

Step 1

Determine how severe the problem actually is. Some pathological liars confine their lies to small things that are not important to the function of the company as a whole. However, if the lying is severe and is impacting the company, then it will need to be dealt with as swiftly as possible.

The problem is severe because it is within the entire design of the product produced by METABANK, META PAYMENT SOLUTIONS; META FINANCIAL GROUP,INC 

Step 2

Confront the person privately. Calling out an employee publicly for lying is never a good idea, and is a particularly bad idea when dealing a pathological liar who will twist all the facts and in essence, turn the argument against you. All confrontation should be done in private and if possible, ask the employee for their permission to record the meeting. This will help protect you legally if you decide to dismiss the employee. Let them know that honesty is your company’s only policy and that they cannot continue with their behavior if they want to stay employed with your company.

Employees have been trained to lie for METABANK, META PAYMENT SOLUTIONS; META FINANCIAL GROUP,INC . All customer complaints indicate this is a pattern… Customers can’t benefit from being a customer of METABANK, META PAYMENT SOLUTIONS; META FINANCIAL GROUP,INC 

Step 3

Document all instances of lying or poor performance. These notes should go into the employee’s personnel file and should detail exactly what transpires. Any complaints received from other employees should also be documented and placed in the file. Make sure to include the employee’s name, the exact date and time of the infraction and detail what happened in an impassive way.

Online, scores and scores of consumers have complained over the years about encountering the exact same design problems and awful  customer service at METABANK, META PAYMENT SOLUTIONS; META FINANCIAL GROUP,INC 

Step 4

Remove the employee if necessary. Once you have documented the issues and determined that the employee’s lies were affecting the company negatively, it may be in the best interests of all involved for that person to seek employment elsewhere. If they attempt to “get even” you will have your documentation and reports available to keep your company in the clear.

There may be an aspect of “getting even” that factors in to why METABANK, META PAYMENT SOLUTIONS; META FINANCIAL GROUP,INC fails to address customers real needs and why they keep in business. Perhaps they have some control over some people… It just doesn’t make sense why or how METABANK, META PAYMENT SOLUTIONS; META FINANCIAL GROUP,INC  can stay in business using this same old scam over and over again.

Step 5

Clear up any confusion their coworkers may have. A pathological liar can twist around their coworkers and they may be confused as to what is actually going on.

METABANK, META PAYMENT SOLUTIONS; META FINANCIAL GROUP,INC  may have twisted the facts so much that many may believe their publicity in spite of the many on-going customer complaints against METABANK, META PAYMENT SOLUTIONS; META FINANCIAL GROUP,INC ‘s practices… All that we can do is to alert other consumers that the products offered by METABANK, META PAYMENT SOLUTIONS; META FINANCIAL GROUP,INC  are harmful to consumers.

Please do the right thing and share your experiences with others so they won’t have happen to them what happened to us. This may be the only way to get the changes that are so desperately needed.

If you have dismissed the employee, you may want to consider holding a group meeting with their coworkers to clear up any misconceptions.

While you cannot legally go into detail about the circumstances surrounding their firing, you can set the record straight and let your employees know that the person has been let go.

Please help to prevent others from being scammed the way you and I were by METABANK, META PAYMENT SOLUTIONS; META FINANCIAL GROUP,INC 

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by mrnd5 on January 2, 2013  •  Permalink
Posted in Bank Reform and Proper Regulations are Needed, Complaints Against Meta Bank, META BANK bilks their customer base, Meta Bank charges customers for spending their own money, META BANK continues same scam into end of 2012, Meta Bank denied one man his right to a fair and impartial trial. What kind of a world citizen is Meta Bank? We are tired of fighting the wars that Meta Bank causes., META BANK doesn’t serve the general public, Meta Bank is nothing but a publicity scam, Meta Bank never accepts responsibility, Meta Bank operates using many different names, META BANK same poor service as always, Meta Bank Scams Americans, Meta Bank sells VISA and Mastercard Pre-Paid Cards, METABANK's publicity is a lie and filled with false promises
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Posted by mrnd5 on January 2, 2013

https://mrnd5.wordpress.com/2013/01/02/meta-bank-lies-to-customers-and-pushes-all-blame-for-problems-off-onto-customers-when-every-indication-is-that-metabank-meta-payment-solutions-meta-financial-groupinc-has-designed-their-product-t/

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