Coffee heat rising

Scam-a-Rama!

Welp, the scammers are frolicking about in force. Must be the spring weather that calls them out from under the fridge…

The past three or four weeks, my email inbox has been hit with scam after scam — four of them in just the past ten days or so.

The Scam of the Day tells me my McAfee antivirus subscription has expired and I must hurry right up and send money now.

😀

McAfee? McAfee? We don’t got no steenking McAfee!

All of my fancy electronic doodads are Apple products. Apple provides a very fine antivirus program called MalwareBytes. It’s free, and Apple updates it whenever Apple feels like updating…without you having to mess with it.

LOL! Yes, when I used PCs, I did use McAfee. Because my employer, the Great Desert University used McAfee, and I did whatever the IT dudes advised. But no, I do not now and never have had it installed on the Macinoid devices.

But…

But…thought I…maybe it comes with the iPhone, that fine device that I have yet to learn how to use. Hm…..

Like a MacBook, the iPhone displays a list of applications. No sign of McAfee in there. But just in case…

Just in case, this morning I cruised in to the T-Mobile store, the better to pester my handsome young friends in there.

Cute Dude of the Day looked puzzled when I asked him if we could tell whether McAfee is now or ever has been installed on the i-Gadget. Uhmmm….McAfee doesn’t GET installed on iPhones, quoth he. We check the applications anyway: nope. No McAfeeoid programs.

So…yeah. This is THIRD scamming email I’ve received in as many weeks. So far none of them has tried to persuade me that my son has been kidnapped by ransom-demanding Ukrainians. But I’m sure that one will be along soon.

The first one pretended to come from Amazon — cleverly, for (as you know) it is virtually impossible to get ahold of a live human being at Amazon. It was trying to extract money for the privilege of posting my books for sale on Amazon, and they apparently did have real data from my Amazon seller’s account.

Amazon, as you know, short-changes customers (and sellers) on customer service every which way from Sunday. I finally gave up trying to get a CSR who spoke English and appeared to be a living being, and just took all my products off Amazon.

Don’t forget, BTW, that you can read some of them for free right here at FaM, just by clicking on the linked images in the right-hand sidebar.

At any rate, I dunno why the bastards have suddenly decided to blitz me with scams. Probably it has to do with my age: as we all learn from the ad blitz that comes from AARP the instant we turn 65, marketing hustlers can buy mailing lists that are compiled by age. And they know that old bats are peculiarly vulnerable to email and telephone scams.

Whatever. Be aware, and do know that these people can and do acquire a great deal of private information about you: much more than you might imagine possible. Because they know key details, they sound convincingly like a vendor that you do business with. Any time someone asks you for money or personal information — even someone claiming to represent a business you know — proceed with caution. Or better yet: don’t proceed at all.

Never a Dull Moment

Certainly not at 1:00 in the morning… The wind is howling up quite the storm. The Soleri bell in back is jangling madly. Tbe corgi is unnerved. Haven’t peered out to see what’s going on, but figure the pool will be filled with debris by dawn.

Fortunately for me (but not for him…), Pool Dude is slated to show up shortly after dawn. He’ll have quite the mess to clean up.

Just now life is tending toward mess, national and international events aside. Even if the wind weren’t wailing, I wouldn’t be able to sleep. Developed a cyst thing in my eye. Besides being damned creepy, it itches and it burns enough to keep Dracula himself awake all day. And me all night…

The aged eye doctor I found (the guy must be 85 if he’s a day…maybe older than that!) insists that it probably will go away. Sources I’ve found say you can treat it with steroid eye drops, but he declines to prescribe anything other than over-the-counter eye drops, which do (as far as I can see) little or nothing. So I suppose in a day or so I’m going to have to brave the bureaucracy at the Mayo and try to get my doc out there to refer me to one of their specialists.

Shee-ut! Like I have nothing else to do but spend two hours driving back and forth to northeast Scottsdale.

Speaking of the which, yesterday I traipsed out to the Apple store at the wildly fancy Kierland Commons, whence Apple’s corporate (un)wisdom sent its formerly centrally-located store. They give lessons on how to use the iPhone, it develops. So I made an appointment and then drove and drove and drove and drove and drove and…etc., arriving in Scottsdale right on time: 10 a.m., as they opened,

Except…not.

They didn’t open.

Their servers were down, said they. So they sent everybody who was standing around outside away!

It’s a 45-minute drive out there! So I wasted 90 minutes and a quarter-tank of gas schlepping to Scottsdale for nothing! And I still have no clue how to use the miracle iPhone…

“Wanna make another appointment?” say I to the young woman engaged in shooing away customers, She does, after all, have an iPad in her nicely manicured paw.

“We can’t! Because the servers are down!”  Never heard of a pencil and a pad of paper, I guess. 😀

Back to the car, via Restoration Hardware, where I spotted a sofa and chair that would be perfect for my son were the price anywhere near what someone other than Steve Jobs could afford.

Out in the parking lot I find a black guy standing by a car now parked right next to mine.

He is cute. Very, very cute.

He looks impatient, and he also looks a little nervous about the old white broad spotting him as he lurks near her car.

“You look like a man who’s waiting for his wife!” say I.

“That’s right!” He laughs. We chat.

Born 30 years too late. {sigh}

Eventually I climb in the Dog Chariot and cruise off down Greenway Road, whence I came.

Outward bound, I’d spotted a housing tract on the north side of Greenway: 1970s and 80s mass-produced houses. Curious, I dodge into the place and drive around.

It’s actually quite a pleasant neighborhood, very similar to the ’Hood. Matter of fact, I spot one house made of cinderblock that looks for all the world like it’s the same model as the Funny Farm. Most of the places, though, are considerably more fancy-looking. I wonder what houses cost there (though I can imagine)  but can’t find any “for sale signs,” so never do get a line on that. Back at the Funny Farm, though, I do find some listings posted on the Web.

  • Holee mackerel:lookit this thing! It’s in the general area…a million dollars for a house the size of mine, elbow-to-elbow with the neighbors! Auuughhhh! Thanks, I’ll take my pet burglars…
  • eeeeek! For 2/3 of a million bucks: this is 270 square feet smaller than my house, same kind of slump-block construction. Fake stove. Home Depot kitchen cabinets. No pool. Only three bedrooms. And…huh…that’s odd. It actually looks like the pool might have been filled in. Jeez…did a kid drown there?

Meanwhile, the eye cyst is getting very much on the old lady’s nerves, and I’ve been told Aged Eye Doc went into the hospital to have surgery on a knee.

When I get home, I call Young Dr. Kildare’s office to try to get a referral to another ophthalmologist. I cannot get past the telephone runaround. After “If yada yada yada, press nine,” I hang up in a rage.

I try to reach the eyeglass place: they’re not open. (They’re never open. Is the place a front for a cocaine operation or what????)

Now I decide to drive to Costco, which has a very good and very busy optometry department, and ask for a referral to an ophthalmologist that they know. And buy a few groceries while I’m at it. Okay: acquire a list of names, buy a few pieces of junk, drive home.

These supposed eye docs comprise a list of guys working for some chain eye-care outfit. Oh well: any port in a storm.

Calling one number, I get a lady on the phone who is a complete, blithering MORON. I cannot make her understand that I need to see a doctor promptly because I have a lump growing in my eye and it HURTS. Finally I lose my temper at her impregnable barrier of brainless obtuseness and hang up.

What to do, what to do??????

Call Aged Eye Doc’s place, hoping his staff will be there. And yea verily! Get his appointment lady. Ask if they could please refer me to one of Eye Doc’s colleagues, because this thing is not getting better (as he had hoped it would) but instead is getting bigger and worse.

Incredibly, she says he’s in the office for short periods and will see me TOMORROW MORNING!!!

Whaaaaaa???!!!?

I say But he just had surgery on his knee! 

She says Yeah, he did, but he’s coming in to the office for a couple of hours a day. 

I say He’s a man of steel! 

She laughs and makes an appointment for 10 ayem. Thank the heavens!!!!!

So I show up at that duly appointed hour this morning. He proposes to do nothing about it. Says the alternative to waiting and watching and hoping the eyedrops help is surgery. He’s in no hurry to do surgery. I mention that I learned that steroid eyedrops are often used on these things. He demurs.

Well, at least he’s not knife-happy. Surgery on an eye does not sound like a good thing.

It’s now 2:00 in the morning, as we scribble. The wind died down for…oh, about five minutes. Now it’s wailing around again. “Gusting,” I suppose that is.

The dog is asleep. Wish I were, too…

Real Estate: California Territory

So SDXB and I went over to the hillside neighborhood I “discovered” below the hiking trails at North Mountain. The trails themselves have become counterproductive for exercise walks, partly because they’re so damn crowded — especially with morons charging past you huffing and puffing their germs into your face — and partly because it’s just not that safe to take Ruby the Corgi up there. Same reason: morons (they bring their own out-of-control dogs), plus rattlesnakes, cactus thorns, and sharp rocks.

“Discover” isn’t exactly the term for it, because we both have had friends who lived in that neighborhood, over the years. But the two things I found of interest were a) the paved (!!) sidewalks and roads that curve up and down and around and b) the houses that look like they were constructed by the same builder who installed the houses here in the ’Hood. SDXB agreed that they were alarmingly like our places…and also that the relative quiet of the neighborhood was striking, as was the absence of derelicts and other sketchy types.

Basically, the houses are much the same as the ones here, only in a safer, quieter area. With nice gentle grades to walk Ruby (and me) on. And of course a steep mountain trail out back, for the purpose of getting some serious exercise.

So when I got back I googled real estate in that zip code. HOLY maquerel! In the first place, nothing’s for sale in there just now., In the second place, Zestimated prices for houses similar to ours are breathtaking! Here’s a shack for sale just to the west of the neighborhood, certainly not a better area and arguably not as desirable:  YIPES!

Okay okay, 5 bedrooms IS a little much.

But almost 700 grand for a tract house that faces on Thunderbird Road, one of the Valley’s mainest of main drags and a major commuter road???  Give…me…a…BREAK!  (aaanndd…btw, how happy ARE you that you don’t have to clean those shiny marble floors?) And the pool where passing golfers can peer at you as you’re splashing around or enjoying a cocktail at poolside — no skinny-dipping for the likes of you!

So I go to look up prices here in the ’Hood…could I make an even trade, more or less?

Zillow thinks my house is worth a measly $565,600 grand. Redfin puts it at $606,699. Either estimate is a far cry from the $235,000 I paid for this place in 2004, or the $100,000 for the identical model I first bought here, about three houses in from the horrible Conduit of Blight Blvd.

We have arrived in California territory, price-wise. How on earth do young people ever get in the door of a real house (not an apartment, not a condo)? One semester I had a student who, with her husband and two small kids, lived a ways to the west of that North Mountain tract. Their tract was what I’d call working-class construction — I had occasion to see it when we had a major storm that blew the roof off the house, and the young people needed some help until such time as one or the other set of parents could get into town. Just the most standard, cheaply built stucco-and-styrofoam stuff — their place was largely trashed by the storm, and some of the other houses there were even worse off. The prices over there are now similar: $600,000+++ for tiny little tract houses! I can’t even imagine how a young couple would come up with that kind of money, even with both of them working full-time.

Soooo…. It looks like we bought my son’s house more or less in the nick of time. If, as he prefers, I live in this house until I croak over, he’ll inherit a paid-off shack that right now is worth 600 grand but in another ten to fifteen years will presumably be pushing a million bucks. His house is worth about $500,000 now (sez Redfin). If he inherits this paid-off house, he could…well…think about it! He could…

  • Move here and sell his house, netting around a half-million dollars
  • Move here and rent his house, providing a moderately steady second income
  • Stay in his place and sell my place, netting around 600 or 700 grand, put the money in his retirement fund, and knock off working early
  • Stay in his place and rent this place for some truly outrageous amount of money
  • Sell both houses and move to rural southeastern Utah or southwestern Colorado, one of his daydreams
  • Sell them both and move overseas, where (depending on his choice) he could live like a king and never work again
  • Or of course just keep on keepin’ on, holding his job and collecting a decent salary until he reaches retirement age and then moving to the South of France on the proceeds of both houses, his retirement fund, and my retirement fund. 😀

Financially, it would give him a lot of choices.

Probably the most advantageous strategy for him (and maybe for me, too), would be for me to stay in this house until they carry me out feet-first. It’s a nice neighborhood with pleasant neighbors…its only drawbacks are the startling crime and vagrancy rates and the noise from the main drags and the constant cop helicopter buzz-overs. But both of those come under the heading of Life in the Big City.

Did she…or didn’t she?

Sometimes in the wee hours of the morning, I find myself turning over the small (and large) mysteries of life. You know what I mean?

One of those mysteries is whether my mother deliberately committed suicide by smoking herself to death. It strikes me as a distinct possibility. But as is so often true, when one thinks about such a thing one encounters seven kinds of ambiguity.

She had a difficult life — one that might reasonably be expected to lead many of us to contemplate suicide.

Her mother was, shall we say, a bit “fast.” My mother was the woman’s second unwed pregnancy…I found out by accident that somewhere out there I have an unknown uncle. Ohhh well.

A custody fight ensued after this second unwanted birth. The father lived in Glen’s Falls, then a tiny farming town in upstate New York. The mother’s family lived in the San Francisco Bay area. The case was argued in front of a court in Glen’s Falls, where the father’s relatives pretty much owned the place. Not surprisingly, custody was given to the paternal grandparents, wasting a trip East and a lot of money for the San Francisco set.

My mother’s earliest memory was of her mother packing up a little red kiddie wagon and sending her off to live with her grandparents — telling her to walk to the paternal manse, dragging the wagon behind her.

So she grew up on a farm in rural upstate New York, evidently working as the family serving girl. She spoke of hanging the carpets on clotheslines each spring and pounding the dirt out, of having to wash the soot off the kerosene lanterns every day, and of the family canning kitchen garden vegetables and setting eggs to keep in big barrels over the winter. And of how cold it was in the outhouse in the wintertime. And of the time snowdrifts came up to the second-story windows and her grandfather had to dig a tunnel so they could get out of the house.

About when my mother reached her teens, the grandmother developed diabetes. In those days, there was no such thing as insulin. They tried to control the symptoms with what apparently was a pretty bizarre diet…and a pretty ineffectual one. When her grandmother died, she was at last sent to live with the maternal grandparents, who lived in Berkeley.

For my mother, this was a fortuitous development. Suddenly she was riding on streetcars and buses — conveyances she had never seen before. She once remarked on how utterly amazed she was to find you could turn on the lights in a room by flipping a wall switch.

But as arrangements go, living with the mother’s family also had its peculiarities. These folks were Christian Scientists. They never went to doctors. Period. They would go to dentists — provided no pain-killing chemicals were applied — but medical doctors were verboten.

Meanwhile, the mother had apparently continued to cat around. It was, after all, the Roaring Twenties, and you may be sure the nicey-niceness that infected her sister and her mother did not affect her. My uncle once remarked, in passing, that “Olive marched to a different drummer.”

Heh! I guess!!

She married — apparently a pretty nice guy — and unloaded him. And continued to enjoy the Roaring Twenties as a flapper.

Not surprisingly, eventually she developed a reproductive malignancy — she believed God was punishing her for all the abortions she’d had. On her female relatives’ advice, she delayed going to a doctor until it was way too late to save her life. My mother, who by then apparently was in her mid-teens, nursed her through her grim final illness.

As a result, my mother was simply terrified of cancer. Seriously: it was almost a phobia.

Pack that away in the back of your mind.

***

Years passed. She married some guy. Divorced him. Married my father. Got dragged to Saudi Arabia, where we spent ten years in the hot sands by the Persian Gulf, basically imprisoned inside the chain-link fences of an American oil compound.

Came back to the States. Got three whole years in San Francisco (where she really wanted to live) while my father went back to sea.

Next: dragged to Southern California when my father quit that job and took up with another shipping company. Spent another three monotonous years there.

My father wanted nothing more than to retire, and he had decided that they would move to Sun City, Arizona, for the purpose. Neither of them knew anything about Arizona…but hey: it couldn’t be any worse than the Rub al’Khali, could it?

One morning when he was home from the boat and they were getting into their cups, he had the bright idea that if he could shoehorn me into college a year early — at this time I was a high-school junior — he could quit his job and they could move to their dream tract house in Sun City.

So, amazingly, they broke out the portable typewriter and sent a letter to the University of Arizona (they didn’t quite know where it was, vis à vis lovely Sun City, but hey: it’s all Arizona, right?) and proposed that since I was such a bright little kid the university should accept me a year early — in the fall of that year.

Even more amazingly, forthwith the admissions officer wrote back with Sure! Send her right along!

Holeee shee-ut.

So they yanked me out of high school, bought a house in the cotton fields to the west of Phoenix, and took off for Arizona.

Yay. So much for UC Berkeley, hm?

My mother was always an avid smoker. I hated the stink of cigarettes. But the parfum de burning tobacco was what graced our homes, wherever we happened to be. She smoked more and more as the months and years proceeded. One day I realized I could tell when she awoke in the morning, because before she even rolled out of the sack, she’d light up a cigarette.

Before she turned off the light at night, she puffed one last cigarette down to the filter. And before she lifted her head in the morning, she fired up another one.

In fact, there was almost never a time that she didn’t have a cigarette in her hand, except when she was shoving food in her face. When we went to a restaurant, she would smoke until the food was set on the table, smush it out to eat, and then light up again as soon as she finished her meal.

After I married and had my own home, I asked her to please not smoke inside my house. She threw a sh!t-fit in which she exclaimed, “I’m your mother and you can just put up with my smoking!”

No kidding! I remember the exact words to this day.

You understand: She knew. The Surgeon General’s report to the effect that smoking tobacco was proven to cause cancer came out in the late 1950s.

I remember the day, back in that decade, when she brought some friends home to our apartment in San Francisco. The subject of that report came up, and they exchanged skepticism about it. One PR stunt that had appeared on a national TV show entailed having a smoker take a puff on a cigarette and exhale into a white handkerchief. The result was a big brown spot.

They wondered if this trick was real.

So my mother trotted back to her bedroom and brought out a brand-spanking-clean, freshly ironed white handkerchief. In those days, a proper San Francisco woman carried a white handkerchief wherever she went.

They lit up a cigarette, one of them inhaled deep and puffed out dramatically into the hanky. And yup: left a big, dark brown filthy blot in the middle of the white cotton.

They all went “Isn’t that amazing” and laughed.

It took her another 18 years to smoke herself to death, but kill herself she did. She died in 1976, in agony, of cancer. On my birthday.

***

She was terrified of getting cancer. She knew smoking was a cause of cancer. She had seen the brown gunk just one puff of burning tobacco deposits in your lungs. And yet she continued to smoke. Not because she couldn’t quit. Because she wouldn’t try to quit. Not once, right up until the time she could no longer hold a lighter in her hand, not once did she make any effort at all to quit smoking.

If that isn’t deliberate, I’d like to know what it is.

Confused…

Well, now we know I’m not the ONLY one in these parts who’s confused. Just opened a bill from American Express, demanding $2769 and change. ASAP, a substantial part of it being past due.

Huh?

I know I paid last month’s bill, which amounted to some $1877.

Everything being haywire after the theft of all my credit and ID cards, I paid AMEX with a check. On February 2. It must not have cleared by the time they sent this bill. Evidently not: in an obscure corner they grouse about not receiving last month’s contributionm to their vast wealth.

A-a-a-n-d here on the credit union’s website I find an “external withdrawal” dated February 28, in the amount of $1877. Can’t see a check that cleared for that amount, so I assume these are somehow magically the same transaction. I hope.

My, but life in the 21st century is tiresome! One could even say, at some moments, that it’s…heh! for the birds.

Yea verily: this afternoon I needed to get a bag of birdseed. With Instacart defunct — it won’t accept my new credit card! — Costco is no longer an option for that purchase: I can’t haul a 50-pound bag from the car to the backyard seed bin by myself.

Passed an interesting-looking crime scene in the stick-and-styrofoam tracts along the way: a cluster of cops and cop cars descending on an alley behind a couple of homes. And HOLY mackerel, I just missed this. I was there right about at that time of day. Ahh, lovely Phoenix!

To the northwest of the ’Hood lies a moribund shopping center. In fact, the mall itself — once the largest enclosed shopping mall in the land — has been shut down for months. But the shops located outside the gigantic main mall building, scattered around acres of asphalt, are still open. One of these is a large Petco.

Surprised to see it was still in business, I veered off the main drag, darted into the parking lot, and scored a spot right in front. Not a good portent, as it developed.

Inside the store, there were two (count’em, 2) customers: me and some guy. Found the birdseed and tossed a couple of bags into the cart. Rolled through the empty checkout line, trudged across the parking lot, plopped them into the Dog Chariot, and proceeded home.

When I hauled them back to the seed bin and cut a bag open, I saw there was a reason that store has effectively zero clientele.  The damn birdseed is covered with dust. Dump it in the bin, and a cloud of dust flies up into your face!

Apparently it doesn’t taste very good either, not to the avian palate. The birds are barely touching it.

So today or tomorrow I suppose I’ll have to traipse over to the neighborhood Walmart and buy two or three bags of seed there. Then come back here, dump the remainder of this stuff in the alley, refill the bin and feeders.

Is there some reason why EVERYTHING has to be frikkin’ impossibly difficult or annoying? I mean…birdseed? You can’t buy a decent bag of BIRDSEED???????  In a PET STORE???

Who knew there were levels of quality in birdseed, anyway?

Yesterday afternoon I did at least make it to the Costco — which is why I was over on that side of town. And was reminded of WHY I liked Instacart so much.

{sigh}

I’ve come to hate shopping in Costco. People lose all contact with their minds when they go into that place. They roam around gazing entranced at the warehouse-ceiling-high piles and piles and PILES of goodies and don’t even notice that there are other people around them. Dazed, they amble up the middle of the wide aisle, so you can’t get around them on either side. Their kids scream and they don’t even hear the little darlings’ plaintive wails. And whoever and wherever they are, they’ve gotta get there first!

While I was trying to find some boned chicken thighs to make dog food for Ruby (the stuff I get at AJ’s is now deservedly kaput: not buyin’ that again!), someone rolled off with my cart.

Yeah: GONE. All the stuff I’d accrued while walking around the 3.35-acre store was disappeared.

I was so disgusted, I just walked out. Screw it…who needs ambience like that when there’s a Sprouts up the road and a Walmart around the corner?

Yes: chicken… Costco’s butchers insist there’s a chicken shortage and they can’t get boned chicken thighs.

Huh! Who’d’ve thunk it? There were armloads of chicken thighs at the Sprouts. This is the second time they’ve made the same excuse…heard it the last time I was there a couple weeks ago.

So I dunno what’s going on in that department, but whenever I get off my duff and run by the Walmart to pick up some quality (!!!????!!!) birdseed, I’ll check the butcher counter and see if they’re devoid of chicken thighs, too. Apparently there has been a kind of desultory shortage…

Meanwhile, speaking of folks living with shortages and overall disasters, what a MESS in Ukraine, eh?  I have a friend who’s Ukrainian. Guy was a competitive weight-lifter for years…last I heard, he was still lifting weights even in his dotage. He’s an interesting fellow…kinda strange, with a view of life that’s rather different from the standard American’s.

I do hope we’re not looking at another Vietnam or Afghanistan there…or worse: another world war. Engaging battle with Russia (if that’s what we end up doing) is a whole ’nother matter than taking on a brush-fire squabble in a Third-World country. With any luck, the whole fiasco will backfire on Putin. Still…how lucky we were to block him from installing his chum in the White House for a second term! The situation would be entirely different if that had happened…and, IMHO, far more horrifying than it is.

Reading between the lines, it looks ominously like Putin himself has lost a few of his marbles. He doesn’t appear to be thinking or acting rationally. Evidently he’s as crazy as Hitler. Or more so. lf my guess is right and Putin actually is irrational…well…better have that survival gear up to date.

Fill up that afternoon…

…with HASSLES!

Yep: I spent the entire afternoon shift down at the church reception desk putting out fires ignited by the theft of my card wallet and every credit card and ID card to my name. Three hours of figuring out what recurring charges need to be OKed by the credit union, which ones have been in place since the memory of Person runneth not to the contrary, and which are new charges that the CU staff need to know about.

I’m now prepared to gallop into the CU tomorrow morning, let them know which autopays are legit and should stay in place, which autodeposits are real and must not be fu*ked up, alert them that my son’s account is vulnerable, too (won’t he be thrilled?), and try to order up a new Medicare card (good luck with that!).  This afternoon — just a few minutes ago, I found the original of my Social Security card, so that is one truly major hassle evaded. But trying to get a new Medicare card involves a fine hoop-jump with a faceless, brain-banging system. And…because my son has linked his credit-union account with mine by way of juggling payments on the mid-town house…ooooohhh gawd! Presumably if the sh!thead can get into my account, he can get into my son’s.

So THAT highly convenient arrangement will have to be demolished.

I’ve been afraid to tell M’hijito about this débâcle. But…depending on what CU staff say tomorrow morning, I may have to tell him about it. And oh my friends and ah my foes, you may be sure I’ll never hear the end of it!

😀

Man! I’ll tellya…I’m hoping (against hope) that tomorrow’s visit to the credit union will be as close to the end of this headache as we can get. If push comes to shove, o’course, we can close both accounts and start over with new account numbers. But that will just be stage 2 in the marathon headache.

I have a sh!tload of autopays that will have to be re-done; probably will need the advice and consent of credit-union staff to pull that off. We already have a new debit card. But some of this stuff, like Social Security and Medicare cards, cannot be issued anew. Big Brother will give you a new card, but  with the same number. So if the jerk has got your name and your card number, you’re just flat outta luck for whatever bills he runs up.

So, what can Funny’s readers learn from this fine fiasco? Well…

1. Photocopy all the cards in your wallet, front and back. Store these copies in a safe place where you can find them quickly.

2. While you’re at it, compile a list of all your credit-card issuers with contact information. Do not lose this!

3. If some doctor’s office’s staff demands that you carry your Social Security card around with you and show it to them every time you visit (ahem! are you listening, Young Dr. Kildare?) tell them to take a flyer at the moon. Remind them that it is illegal to use a Social Security card as ID and that they have no business demanding that you bring your Social Security card every time you walk in the door. Nor, for that matter, once they’ve recorded your Medicare data, is there any reason to expect you to flash your Medicare card for every visit.

4. Keep an up-to-date running record of every charge, credit, and debit you make. Don’t wait for statements to come in. Keep your own list of debits and credits!

5. Although auto-pays of recurring costs like utility bills are convenient, consider that they may morph into first-class hassles if a theft requires closing a bank account. It may be better to write (gasp!) paper checks or manually send electronic payment. While manually paying every little routine bill is a time suck, undoing your carefully crafted bill-pay system is even even greater time suck…and a chaotic one.