PayPal's refusal to recognize our marriage

In an apparent show of security theater, PayPal is essentially refusing to honor one of the benefits of marriage.

Having been married for just over a year now, Sarah and I have been rather blessed. However, while I don't think either of us even seriously considered against having her last name changed, it is definitely not a stress-free process. I share in her frustration as I observe the difficulties.

So far, PayPal has definitely posed the most difficulty. While PayPal never requires any identity verification when signing up for an account - which can be a security concern in itself - they require a faxed copy of a driver's license or marriage certificate for a name change. Especially today, most people don't even have a fax machine at home, or even one readily accessible.

More frustratingly are PayPal's policies against joint accounts. They only allow each bank / credit card account to be registered to one PayPal account - without exception. While this policy may be useful for detecting potential security issues, there should be an exception process for joint accounts, such as the ones that Sarah & I share, both at the bank and with our credit cards. Neither our bank nor any of our credit card companies had any real issues with converting our accounts into join accounts. Why should PayPal make things any more difficult? So unless we open and maintain a balance in a 2nd checking account just for PayPal, one of us may as well just close our PayPal account.

An alternative option would be to allow Sarah & I to share the same PayPal account. Unfortunately, PayPal doesn't allow that either. So now I'll be sharing my PayPal username and password with Sarah, which is arguably worse than any of PayPal's above security concerns. Though I trust her completely, this means that whenever the password needs to be changed, we have to communicate it to each other, which would normally result in it being written down someplace. This also has the disadvantage in only one of our names being displayed on the account. More significantly, the person not listed probably won't be able to contact PayPal support, etc.

Following are two responses I got from PayPal after emailing them with the above concerns:

…

Unfortunately you can only have one name on one PayPal account and you can't use the same financial information on another active account.

…

Thank you for contacting PayPal with your concern.

The short answer is "no;" we cannot have the same financial information on more than one account. Please read below for a more detailed explanation.

Our security procedures limit credit card registrations to one PayPal account at a time. If your credit card was previously registered to another PayPal account, you will need to regain access to that account in order to use the credit card on a different PayPal account.

…

Avoid U-Haul for banning the Ford Explorer

U-Haul definitely seems to know how to upset their customers. Being the owner of a Ford Explorer, I'm unfortunately targeted by one of their seemingly insane business practices. And that's only one of their issues...

U-Haul's ban of the Ford Explorer

I purchased my 2002 Ford Explorer back in 2002. I could go into details, but while I have nothing against other vehicle makes and models, the Ford Explorer seemed to fit my needs.

After graduation, I planned on renting a U-Haul for my move to Wausau, WI. After a round of scheduling and reservation issues which seem to plague U-Haul, instead of picking up my reserved trailer at a mechanic 10 minutes away, I had to drive an hour into Appleton for a place that had a trailer available. Only once I arrived was a told that they could not rent to me, as my Ford Explorer was a prohibited vehicle for trailer rental.

The "U-Haul rejects Explorers" article on USATODAY.com is probably the most informative I've seen. This ban is also described briefly on U-Haul's Wikipedia page, with additional information on 2,500+ pages as returned by a Google search. One of my favorites is http://www.michaelworth.com/loser_uhaul.shtml.

I can understand and even support vehicle restrictions. However, this ban is insanely broad, as it covers all Ford Explorers, even though:

• As shown on Wikipedia, the Explorer was comprehensively redesigned in 2002, including a wider wheelbase and a new suspension.
• While one of the primary drivers for the ban may have been the Explorer's history of rollovers, this was almost completely due to the Firestone tires and improper tire inflations, and limited to model years prior to 2002. My Explorer was purchased in 2002 (after the redesign), with Michelin tires, and receives proper maintenance.
• The Mercury Mountaineer and Lincoln Aviator mechanically identical to the Ford Explorer, just marketed differently with different styles and add-ons. Yet, no Mountaineers nor Aviators are subject to this ban, even the troubled pre-2002 model years!
• If U-Haul is going to be responsible for permitting and banning rentals based on vehicle model, doesn't/shouldn't this only make them more liable if/when a problem does occur on a "permitted" vehicle?

Added to the frustration is trying to make any intelligent communication with U-Haul company. Any rental location understandably redirects related inquiries/complaints to their district manager. However, the district managers state that their hands are tied by the corporate office. Apparently there is no one at the corporate office to address inquiries to, and any attempts are redirected back to the district managers. I've tried sending a few emails, which are simply returned as a generic form-response.

Additionally, it appears that even a model 2008 Ford Explorer purchased today will fall victim to this ban. However, any Ford salesperson I ask about this at least claims to be taken by surprise and completely ignorant to the ban. Thinking that maybe Ford's corporate office would be more concerned, they at least admit to being aware of the ban, but only state that there are no safety concerns with the Explorer, and that they must respect U-Haul's decision. I still think they could do more to stand behind one of their best-selling vehicles as well as to support their consumers.

Fortunately, the recent purchase of our own utility trailer has hopefully eliminated the need for most situations that would otherwise require a trailer rental.

Craftsman Fold-Up Utility Trailer

(While all my previous posts have been somewhat technical in nature, this post may seem out-of-place for some. Only time will tell if this is a one-time occurrence, or if other such posts will follow in the future. I considered starting a 2nd, non-technical blog, but wanted to avoid a possible unnecessary split. Additionally, some posts could belong to both... If you'd like to limit your viewing to one or more topics, please consider making use of the labels.)

The Need

Since Sarah & I bought our first house almost a year ago, our parents were placing bets that we'd end up buying a trailer in less than a year. As they usually are, they were right.

My Ford Explorer has pretty good cargo capacity. A few of the larger items we've hauled home include a lawn mower, grill, snow blower, dishwasher, and various pieces of furniture. However, some of those items pretty much reach the limits. Especially with the amount of renovations we've been doing to the house, there's been several times where we needed a way to haul home larger pieces of construction materials, e.g. 4x8 sheets of plywood and drywall.

One of the main reasons we bought a house in Rothschild (e.g. compared to the City of Wausau) was for one of the lower tax rates in the area. However, this lower rate is reflected in some services. For example, while some other areas may have weekly leaf and yard waste pickups, Rothschild only schedules one near the end of the fall - and the leaves may not even all be off the trees yet.

Last year, one of our neighbors was kind to let us borrow their trailer a few times, but that doesn't always seem the most proper or convenient. Renting a trailer may have been an occasional option, but it definitely wouldn't be convenient, and could become rather pricey rather quickly. Additionally, in a rant that will become a post of its own, U-Haul pretty much has a monopoly on the trailer market, and due to an absurd policy against Ford Explorer owners, I can't rent one!

The Decisions

Some of my good friends back in Green Lake have been extremely kind to lend us their utility trailer (either a 6x10 or 6x12?) multiple times for various moves, etc. I always thought it'd be nice to have my own, but even with our current house, don't exactly have the place to store one. While there would be room on the side of our house, next to the garage, and while the previous owners did store a trailer there, it is technically against ordinance in the Village of Rothschild. (This seems a bit ironic, considering the need to haul yard waste, and since the village doesn't do more pick-ups...)

Even if we did store a trailer there, it certainly wouldn't be ideal. Even as we went shopping, we repeatedly noticed a common theme at just about any place in the area selling trailers: Trailers sitting in the snow, and rusting.

We considered a covered trailer, which would be nice for moving items more delicate or requiring protection from the elements. A covered trailer would also probably be a bit more resistant to outside storage. However, I can see that it could also be a bit more of an "eye-sore", as well as being more expensive, and being an over-kill for our typical needs. For anything we would've preferred a covered trailer for, we can probably make work with a regular utility trailer - just with some additional tarps and tie-downs.

The Winner

A year or two ago, I recall walking through Sears, and seeing a fold-up utility trailer in one of the isles within the store. I didn't think much of it at the time, or regarded it as more of a "toy". However, with all of the above considerations, when Sarah & I made the decision to go out trailer shopping, our goal was to find a different trailer or a reason to not get the one at Sears. Sears still won.

See Sears' product page: "Craftsman Fold-Up Utility Trailer" (item# 07124201000, Mfr. model# 0220). It retails for $1,499.99, but we got a rather good deal on one and paid considerably less.

Before we left for shopping, one thing that was really convincing us to go with this trailer was one of the several great product reviews posted on the Sears product page. The review posted 2007-10-09 by an anonymous reviewer in Camden, PA seemed to match our criteria exactly:

"With Winter vastly approaching, I am so happy that my Craftsman Fold-Up Trailer will not get ruined in the rain and snow. I don't use my trailer much during the fall/winter months because of the weather, so having a trailer that I can roll into my garage and keep out of the elements is brilliant! And when Spring arrives my trailer will be in perfect condition ready for the first trip with the leaves to the dump."

I have to say, especially with the Sears in Wausau being "stuck" in the Wausau Center Mall, I've been repeatedly impressed by their ability to seemingly hold a considerable inventory. Compared to the apparently larger Menards, Home Depot, and Fleet Farm stores in Wausau, Sears seems to be able to have items available on-hand when the others don't. (Having a selection of snowblowers in-stock during one of our earlier snow-storms when everyone else was sold-out was a prime example - and I'm sure the one we purchased was the one we would've purchased even if everyone else still had their full line-ups available.)

Having purchased this trailer and already used it twice, I'm also very impressed with it. We've already hauled home several 4x8 sheets of plywood and drywall. Nothing about it feels weak or "cheap". Even without cleaning up our garage first, it easily fit in our 2-car garage along with both vehicles. The only thing I'm considering adding is a jack to the tounge. I also should get a different trailer hitch for my vehicle for better balance by lowering the front of the trailer by 5-6".

Additional Specs

I've already been asked by several people for some additional specifications on the trailer, since those listed on Sears' product page aren't too comprehensive.

• Requires a 2" ball hitch.
• G.V.W.R: 1500 LB
• Tires: 5.30-12
• Height of trailer when folded and level: 52"
• Height of bottom of trailer bed from ground: 14"

One thing that I thought would be nice would be a wheeled tongue jack. I was going to buy and put one on for $20, but found that when the trailer is folded, there is only about 2" of clearance on the sides of the tongue - not quite enough room for a side-mounted jack. (The tongue actually retracts into the trailer as it folds - rather neat, as it requires less space for storage.) I saw another bottom-mounted folding wheel that may still work, though it isn't a jack.