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...that somebody might have everything—brains, looks, social connections, a sense of humor—that we tear down and pick apart. Nobody should have a beach house in Antigua and a summa thesis. Nobody should be a Class Marshal and a Rhodes Scholar. The person who got that job at Morgan Stanley is a “moron.” Our friend working for his senator is an “alcoholic...
...songs like the 2001 hit “Why Georgia.” On “War of My Life,” he mourns, “I’m in the war of my life / I’m at the core of my life / Got no choice but to fight till it’s done.” With his new set, Mayer digs deeper into his own soul to expose his own romantic and moral faults. He continues to show his destructive streak on “Edge of Desire...
Nearly two months ago, this column chronicled a financial misadventure whereby I got stuck paying $70 in overdraft fees to Bank of America because I had overdrafted my account by $6. In case you can’t remember that far back, the mood was outrage. I had been automatically enrolled in a so-called service—of which there is no opting out—that charges $35 for transactions you make when you have no money left in your checking account...
Following months of criticism from consumer advocacy groups, the Federal Reserve, which is the body in charge of regulating this sort of activity, finally got its act together and issued a new set of rules last Thursday restricting overdraft services to come into effect July 1. In case you missed the announcement, the new rules require banks to obtain the express approval of cardholders before signing them up for overdraft protection and to explain the policies in easy-to-understand language...
...last time we got close to writing drastic regulation on credit or debit cards was in 1991, when 74 senators voted in favor of a 14 percent interest-rate cap on credit cards. George H. W. Bush had given a fundraising speech in New York where he talked about lowering credit-card rates, a bullet point that had been included at the last minute by his chief of staff but hadn’t been approved by his economic advisors. Support from a Republican president lent congressional Democrats the air cover to move a bill that received no more than...