POA

I've been wanting to post this to have something written down that recalls these critical events, at least in my head, and really not events at all.  Just a sad situation, that most, if not all would scoff at, and look the other way.  Still to the weak, there are many injustices.  But this isn't a world meant for the weak, or the loving.  And that in lies the problem. 

Help, and love, are sparing in a world committed to self and not to God.  Even at least, sets of moral values.  Not just ones own belief and interpretation of rules, values, and ethical practices.  An established set of guidelines and norms to follow; like myself, and I would pray all else I can come in contact with and spread the name of Jesus to(even though I lack in the evangelical part, but desire a larger role, God willing and given), have Christ to follow as example.  None will live up to that mark, but if they try, then we have a world I would be proud of, an unselfish pride for.

I stray from the mark, but would hope that those in this world could create for themselves accountability and selflessness, or at least attempt.

Well, obviously that hope is short lived.

Onto the real problem; my brother has no worry in the world.  In his mid to late twenties, lives at home and does not have any substantial assets to claim.  This carefree attitude has bled into how he handles his finances.
That's where I come in.  After hearing of growing overdraft charges and more and more bank mailings, I should have seen it a while ago, years even, that I needed to step in.

My findings were that in the 12 month span I looked at, he made around 17-18K cash, and over 4 thousand dollars of that was paid to overdraft charges. 

This is terrible, appalling, and downright unforgivable. 

But at which end do we all sit; a third party might conclude, 'His own fault.  What an idiot.'  But all, and even skeptics, should realize and be certain that companies and society would help one in need.

I should know from my own experience this is not the case.  I pay my bills on time and occurred an overdraft charge one time in the past 5 years.  For which I ran to the bank and tried to dispute; unsuccessfully, but I hope you see the point.  I meticulously manage my finances.  If I didn't they would spin so far out of control, not even Bill Gates would be able to dig me from that hole.  Well, the hole before that one is the one where I sit. 

100kplus isn't just a title.

Its the damn truth, and nothing but it.  As that number rises from 100K to over 120K as I pursue my masters.

But such is life.

My brother on the other hand, has let his finances go.  And for that, I have taken over power of attorney to his accounts, as I'd rather he pay me 4K(I'd feel rich if I had that extra a year), than some institution.

I was able to have almost $400 reversed but the over 4K was a net figure after that.  I just do not understand, or fathom, how an organization is allowed to go about letting someone so errantly overdraw their account, re-imburse it again, and continuing going through this pattern, for what I assume forever.
So, while most may say they would not help a friend, or in my case a brother, in need, I must for fear that I feel like I lost out on the deal.  Yet a corporation, who to all the noise I hear outside of my small world, is complaining as an industry that fees must go up and there should be more charges for account activity.
Well, if these same banks have a person like my brother, they made out on the deal, behind our backs.

My brother had almost 25% of his money in a year span taken away from him, granted due to his own neglect, but at what point does an organization actually step in and take control, or at least attempt to.  I remember when, at least in my narrow perception, American business was customer oriented.  These days, if you get the job done with the least complaints you're hired.  Just make money; the value of the rest of an ethical organization is diminished by the dollar.

This kid works a pay check to pay check job like most I know.  And is lucky to have a job.  But, how can someone, who has obviously mental or emotional or whatever problems, be taken advantage of with such astronomical rates.  I work at a bank, not a retail one, but an asset and custody organization and we charge Fed plus 2.5%.  Can I get some of that action?  Yet, he was continually charged.

I ask people what I would give of myself in that situation, which isn't much. But business these days is a sad picture.  If customers complain, eventually action will be had.  But where are the proactive organizations that focus on strength and out performance in all areas.  Even in social assistance.