What's up with Chase Bank's website?

Officially, J. P. Morgan Chase's online banking website went down in the early hours of Tuesday, September 14-- affecting 16.6 million customers, including me. (Well, my employer, actually, since my money is in a local credit union.)

I have not been able to sign on to our small business Chase Bank account all week, and it's now Thursday-- day 4 of my personal Chase outage.

What's up with that?

Hey, Chase, I'm sure there are thousands of unemployed webmasters and web security experts out there. Maybe you need to hire more staff? Or different staff? Or English-speaking American staff? Or pay them better?

Get it together!

P.S., Chase, I don't believe that you don't know what caused this.

P.S.S., Also, while I have your attention, you need to hire more people for your "customer service" telephone lines. I have called you multiple times, and your "customer service" lines either ring and ring or are busy. Again, there are plenty of people looking for work. Hire someone! You obviously need more competent staff.

Sky Bar out of touch with clientele on SB1070

What started as another xenophobic law proposed by wingnut Republican Russel Pearce, SB1070 could be labeled the Ultimate Law of Unintended Consequences.

In addition to helping our GED-toting, unelected governor vanquish her Republican primary opponents, the ill-conceived bill has become a national sensation, fodder for comedians, rationale for boycotts, and the deciding factor on where to buy pizza in Tucson.

In early July, the humanitarian group No More Deaths started We Mean Business, the business-friendly answer song to Congressman Raul Grijalva's call for boycotts of Arizona after passage of SB1070. Approximately 90 local businesses agreed to post anti-SB1070 We Mean Business or We Reject Racism signs in their establishments. The rationale was that flaming liberals like me who oppose SB1070 would know which businesses to frequent and which to... well... boycott. (For a list of these businesses and a map, click here.)

Given the huge economic impact of Mexican shoppers in Arizona-- $7.3 million per day-- it makes good business sense to oppose SB1070.

According to the No More Deaths website, businesses interested in participating in the We Reject Racism movement are asked to take the following three actions:

- Post the “We Reject Racism” sign to publicly oppose SB1070

- Not allow law enforcement into their business for the sole purpose of checking immigration status of people inside*

- Not financially supporting lawmakers who voted for SB1070

*Legally businesses have the right to prevent anyone from entering or ask them to leave. The exception for law enforcement is if they have a warrant for someone inside or believe an individual is an immediate danger to the public.

Tony Vaccaro, owner of Brooklyn's Pizza and the adjoining Sky Bar on 4th Avenue, was one of the Tucson businessmen who initially supported We Mean Business 2 weeks ago. In a turn of events, Vaccaro took the We Mean Business signs down this week and contacted the Arizona Daily Star stating his flip-flop support of SB1070.

Vaccaro is quoted in the Star as saying that after having read SB1070, he now agrees with it. The Star also quotes Vaccaro as saying, "...I do not believe that businesses should get involved in politics. That is for individuals, politicians and lobby groups. I feel that I have let some of my customers down by getting involved in the SB 1070 debate."

Businesses shouldn't get involved in politics? Has this guy been living in a cave? The corporatists control our elected officials, run our country-- and are trying to run our city!

I find it hard to believe that he really thinks he let his customers down by opposing SB1070 and racism. Vaccaro's 2 businesses-- Brooklyn's Pizza and Sky Bar-- are in the heart of the 4th Ave shopping district-- nestled between the University of Arizona, the downtown arts district, and Tucson High School (whose student population is less than 50% Anglo).

Personally, I liked (note the past tense) Sky Bar. The open, airy venue features affordable pizza and adult beverages, theme nights, eclectic live music, and dancing. The downtown crowd is far from white bread-- being diverse in race, ethnicity, age, and sexual orientation. Vaccaro's new position on SB1070 is out of step with them.

Artists for Action, another anti-SB1070 movement that popped up in July, may give Vaccaro-- who hires dozens of musicians to play at his club and whose clientele includes local artists-- some heart burn.

Spearheaded by Calexico's John Convertino and Joey Burns, Artists for Action urges artists and musicians to take a stand against SB1070 and help educate the public. The group is not advocating boycotts; in fact, it is encouraging out-of-state musicians to come to Arizona and voice their opposition to SB1070 -- rather than boycotting in protest.

Who will win this tug of war? Hopefully, not the xenophobes or those who exploit immigrants (documented or not).

Move your money, pay cash and buy local

Frustrated Americans are bankrolling bank bailouts and funding bonus checks for CEOs with poor performance appraisals, but what can we do about it? How can we voice our anger and frustration? The federal government thinks these banks are "too big to fail."

Arianna Huffington and her cohorts have given us a way to demonstrate our frustrations. If these non-performing banks are "too big to fail," make them smaller by moving our money out. The Move Your Money campaign began in December 2009 and has taken off through social media and the Internet. At least two Examiners have encouraged their audiences in Newark and LA to move their money.

For Tucson, I'd encourage people to not only move their money to sound local banks or credit unions but also to buy local and pay cash. These three simple strategies can help us invest in our community and our local businesses.

More money stays in your community if you bank locally and buy locally. The Local First movement has been progressing across the country, with chapters in many state and cities. Yes, Tucson has Starbucks, Target, Safeway, and national chain retail stores, but we also has Epic Cafe, Yikes Toys, several farmers' markets, and Bohemia. Shopping and dining locally makes economic sense. The Local First Tucson website lists locally owned businesses in every service category. Forty-five cents of every dollar you spend stays in Arizona, when you buy from Arizona businesses.

Pay cash is my third piece of advice. Why pay cash? Because it costs you and the retailer money when you pay with a debit or credit card. Retailers pay 2-5% of the purchase price to the card company when you use a VISA, MasterCard, American Express or other debit or credit card. Two percent of a $10 purchase is only 20 cents. Multiply 2% by millions of transactions each day across the world, and you realize that card companies are making truckloads of money-- even before they start charging you interest, annual fees, late fees, or ATM fees for the convenience of using cards. Check out the New York Times video that opened my eyes the insane amounts of money that are being made by cards companies-- particularly VISA, the industry leader. Cards are much more convenient than checks or cash, but we are paying dearly for that convenience.

How do we survive in tough economic times and still foster growth locally? Pull money out of those free-loading banks that are "too big to fail", cancel the credit cards with those mega-banks, and open up an account with a local community bank or credit union. Buy local, pay cash, and live within your means.

This article originally appeared in my Progressive Examiner column.