Funny about Money

The only thing necessary for the triumph of evil is for good men to do nothing. ―Edmund Burke

January 5, 2020
by funny
3 Comments

Techno-Loafing: The Reluctant Consumer

{cackle!} Today I managed to LOAF through all the hours in which I could have been addressing the latest technological grouse: installing a new land-line phone and its five handsets.

The beloved Uniden finally croaked over. Its answering machine function crashed, and Uniden has quit offering support for its cordless phones. One Amazon reviewer claims to have been told by a Uniden CSR that the company has quit making phones. Unclear whether this is the case, given the number of their phones still available at Amazon…but those could be counterfeits, I suppose. Or unsold stock.

That phone has run for something over 15 years — not bad in the Age of Planned Obsolescence. Whether or not Uniden has quit making it, Costco doesn’t carry it. Costco carries a Panasonic cordless phone with five handsets, which is very much like The Deceased.

Well…on steroids. It looks incredibly complicated to set up. Yesterday I got through the task charging the handsets. Since the batteries require 7 hours of charge-up time and it was after noon before I got around to this trick and I had to go out to dinner with friends, plugging the chargers in was about as far as I got.

Today, going back to choir for the first time in over two months (thanks to the bronchitis and then the cold and then braining myself by falling flat on my face) was about as much as I felt like coping with. Well. That and finishing the client’s math paper: predicting bitcoin prices through the miracle of partial differential equations….did you there’s also something called a difference equation? And yes, they’re different.

The Panasonic does a whole lot of similarly amazing things. Some of them are amazingly neat. Some of them…well, they extend beyond category of “don’t care about it” to “no, thanks, I don’t want that.”

Naturally, like most such phone sets, it comes with a call blocking feature. Thanks. I have my own — the CPr 5000 Call Blocker — and on review I believe it to be better.

You can answer a call with a voice command. How Star Trekkie can you get? Phone ringie-dings at you and you can holler across the room, “Answer the phone!” It hears, it understands, it opens the squawk box.

Right. It hears. What else does it hear? And who else hears it? And who can hack into it?

Speaking of voices, it will nag you when a battery is low. I deeply, truly hate being nagged by machines.

And speaking of privacy issues, it will spy on the nursery for you: it has a built-in baby monitor.

LOL! Get’em used to Big Brother early, eh?

The talking caller ID? Well, that’s cool, I guess, if you can’t bring yourself to glance at the screen on the desk or trudge across the room to look at one of the handsets. But annoying. Again: I do not care to converse with a machine.

Like the old Uniden, it has an intercom function. Since there’s no one else here at the Funny Farm, I’ve found that to be a feature that annoyingly gets turned on at the slip of a finger. And it’s hard to figure out how to escape.

Here’s something cool, though: it will attach to your cell phone!

No joke: it has Bluetooth, and so not only will it engross your cell phone, it will even let you send and receive text messages! How kewl is that?

It has an alarm clock. Just what I’ve always needed.

No doubt it can do any number of other tricks, too. All very neat. But…but…the question is…

Why?

Seriously. Why? All I need to do with a phone is make phone calls and receive phone calls. I really don’t need or want all these bells and whistles. Neat as they are.

All I want is a phone. Just a phone.

January 1, 2020
by funny
1 Comment

Another Day, Another New Year.

New Year’s is my least favorite holiday. Honestly, I think maybe next year I’ll try to rent a place in Yarnell so I can get the hell out of this zoo!

Last night the plan was to go over to the  WonderAccountants’  for a light dinner and to introduce Ruby the Corgi to Chloe the Cockapoo, who recently came to live with Mr. & Mrs WonderAccountant.

This made for an overall pleasant evening — they’re exceptionally nice people. The neurotic Chloe, still getting used to her new digs, didn’t get on well with the hyperdominant Ruby, but on reflection I think it was a mistake to bring Ruby into the poor little pooch’s new territory. A better way to have introduced them would have been a doggy-walk around the park after the day warmed up.

Back to the house by 9 and wanting to go to bed.

Ruby is terrorized by the firecracker racket, and I have to say, it annoys me too. Last night every nitwit in the city was shooting off fireworks and guns, way on after midnight. And the clowns who have rented Pretty Daughter’s house across the street…honestly, I wish one of their colleagues would come pick those two off. One of the jerks has an unmuffled motorcycle. He got on that thing and revved it up as LOUD AS IT WOULD GO, just ear-splitting even inside the house, and roared up and down the street at 11:00 at night. By the time you could call a cop, he was gone, of course.

It sure as hell was maddening. But it could have been worse…

A three-year-old was collateral damage from gunfire in lovely West Phoenix/Glendale.

A guy standing at a bus stop around the corner from the university’s west campus (also in beautiful Glendale) was shot and killed. I was near that spot just the day before yesterday.

An aged guy ran a signal at the intersection of Gangbanger’s Way and the freeway access road. He died; the 19-year-old passenger was OK, as was the 28-year-old occupant in the other car.

A passenger in an airport parking shuttle van was killed when a truck ran into the van. Truck driver was drunk.

Another drunk driver slammed into a power pole but, undaunted, soldiered on to bash nine other cars. Quite an impressive accomplishment!

A crash at Feeder Street N/S and Virginia (mid-town, a distance south of here) put six people in the hospital, four of them in critical condition.

Some hiker died on a trail in Tucson; a pair of mountain lions found the corpse and proceeded to dine on it. Caught in the act, the lions were murdered by Arizona Game & Fish.

A 16-year-old girl died when the intoxicated driver of the vehicle she and five or six other people were riding in clipped another car and lost control. Unrestrained by any encumbrance such as a seatbelt, the girl was ejected from the car and died at the scene.

None o’ that stuff allowed!

So…New Year’s Eve here amounts to a night of mayhem, racket, and scofflawing. The city had a no-burn order going, because the air pollution is really bad at this time of year. When I walked in the house after dinner at the neighbors’, the stink of burning firewood was so strong indoors, I thought briefly that the house itself might have a fire going somewhere. So had to go out and inspect the premises, just what I love to do in 40-degree temps. Decided one of the idiot neighbors had a firepit or fireplace going.

Oh, well. Thank goodness it’s only one night a year! 😀

December 30, 2019
by funny
2 Comments

Life and Death in Dystopia

A friend remarked on the dystopic nature of our lives as they are affected by the ubiquity and inescapability of computers, whose presence has expanded to fill every cubic centimeter of existence. And how, brother!

Sometimes I wonder if the digitization of day-to-day life creates stresses and psychological disjuncts may be responsible for the madness we see around us — specifically, for the ever-increasing number of shootings by crazies. Life was frustrating back in the day…and scary, too — remember those air-raid drills? Everyone had at least one gun in the house — or at any rate, that was true of the blue-collar class in which I grew up.

But no one went out and shot up public spaces.

The mindset has changed, and I think that has happened because of the deluge of passive stimulation, of violent games and TV and movies and music and “entertainment” and hostile speech accessible 24/7, and because of the constant background demand that you respond to negative stimulation through social media, gaming, and incoming images and narratives. We’re blitzed with constant aural and psychological noise, much of it hostile and violent.

And there’s no viable escape from it. Remember when a little kid could sit outside and watch the clouds float by? Imagine a kid doing that today…right!

I mean…when I was a kid, I hated school. I deeply loathed my classmates, the obnoxious little twits who made my life miserable for years on end. I hated my fifth- & sixth-grade teacher (same bitch….she “passed” into the 6th grade along with us, to my horror!). But forgodsake, it never entered my fevered little brain to kill them. Though I would have been pleased if they’d all been dispatched to the other world, making that a DIY project was not even remotely imaginable.

Now we have the lovely situation in which we find ourselves. Today it not only is imaginable, it’s becoming commonplace. And a nutty, disaffected kid like me can find instruction and encouragement on a machine that brings the world to her bedroom.

Result: an ordinary neighborhood church has an armed security team(!!!) who must leap into action to save the lives of what could have been scores of parishioners. Look at this video of the latest outrage (if you don’t mind having your hair stand on end): the guy had some kind of long gun. You can’t see it clearly in this video, but it looks like it’s probably a semi-automatic.

The most striking thing here is that these guys were prepared. The one who shot the sh!thead was a former FBI agent. It wasn’t that a few parishioners happened to pack heat into church: the church had an organized, armed security team

WTF!! We’re in an era where churches and synagogues need armed security guards. Sorta like schools do. And movie theaters. And nightclubs.

Y’know, I can’t even count how many times I’ve sat in that choir loft and thought how easy it would be for a crazy to get a gun into the sanctuary below us. At this time of year, when it’s cold, everyone is wearing jackets…making it easy to hide a pistol.  There are four entrances to that place, not counting the two stairwells that lead to the organ loft. Anyone could carry in a pistol, take a seat, and bide his time. When he was good and ready, he’d have a large roomful of sitting ducks. If he could get into the choir loft (to which there are two entrances), he could shoot at people from above, though choir members would probably interfere with him. Or he could shoot us all in a matter of seconds.

What a world we live in!

December 25, 2019
by funny
0 comments

Merry Christmas(?)

Christmas treeGood Yule Morning to you! I hope your holiday is happy.

Hereabouts, it’s raining. Again. Still. This is the second day of steady rain, with more (we’re told) to come. Just this moment, it’s stopped. And here I am trying to take advantage of that pause to fix something to eat.

It’s not working. Had the bright idea of frying some baby potatoes in butter, rather than, as usual, grilling them. Mistake! The smoking butter set off the fire alarm. Got that damn thing shut off. Carried the potatoes in their pan out to the grill to set the things on the grill pan. It’s starting to mist again. The tiny raindrops sifting out of the sky hit the hot grease and created a stutter of staccato explosions.

Soon it will be raining again, which will make it impossible to cover the grill whenever I’m done “cooking” (or whatever it is) because the metal grill lid will be too  hot.

Haven’t heard when my son wants me to come over for the proposed dinner, a circumstance which I’m beginning to assume means “never.” Okay…whatever.**

What’m’I gonna do about that grill in the rain? Hmmm…  Whenever I can pull the food off of it, I guess, cover it loosely with a few strips of tinfoil. Then as soon as it’s cool enough, put the mostly worn-out cover back over it. No wind is blowing, so a few sheets of tinfoil probably will stay in place for half an hour.

This is devolving into a nice Day from Hell.

Still have the gawdawful cough. The hand still hurts like the devil, though it’s a little better… Friday I’m supposed to go out to the Mayo to get a chest X-ray (since this cough may very well be incident upon the antibiotic they gave me for the UTI, a side effect with potentially fatal ramifications) and a hand X-ray. How exactly any of this is going to help escapes me…there appears to be little to be done in either event. The lung damage, we’re told, will clear on its own in about four months — assuming it doesn’t kill you. The hand? I don’t think it’s broken…and so what exactly is to be done, other than maybe some physical therapy, also remains to be seen.

Yes. The hand…and the woo-woo. Actually, we have woo-woo remedies in connection with both. Videlicet…

This damn cough is about to kill me. Now that we know the stuff that powers Robitussin and its knockoffs — stuff that works very effectively to silence the hack for several hours — jacks up the blood pressure by something upward of 20 points, we’re left with nothing to treat the damn cough.

So I tried an old folk remedy: fresh ginger steeped in hot water and honey.

Interestingly, this does create an improvement. And it works for several hours! The difference is not as joltingly quick as what occurs after a dose of the pizzen in Robitussin, but it’s about the same. And it seems to last for about the same period of time.

Uh huh… Strawberries, cherries, little angels kissin’ spring…

Night before last, I came across the jar of CBD cream that came into my possession a few months ago. I’d forgotten about it, until I had to rummage around for some lip balm.

“Hmmmm,…” thought I, ever articulate: “Why not?”

So I rubbed this stuff on the sore spots, fell into the sack, and forgot about it.

Next morning, I wake up and lo! The pain is about 85% improved.

Of course, I think the Goddess has changed Her mind and decided to smile upon me. By the light of dawn, I blithely forget about the crème de cannabis that I’d smeared all over the paw.

As the pain slowly returned over the next 20 hours or so, somehow I managed to remember the doped cream. Could it be possible? I wondered. Looked up the question of whether medicaments of one sort or another actually can soak through your skin and affect your muscles and tendons. Weirdly, there seems to be evidence that this is the case. I mean scientific evidence, not woo-woo.

What the hell? This morning I smeared on some more. It required some time to take effect — if indeed the outcome is an effect. But after a bit, the pain, which has been pretty intense at times, was somewhat relieved.

Who knows?

woo-OOOO-ooo!!
😀

….and time passes…and the tinfoil trick works, and lo! there’s a streak of blue across the sky, something we haven’t seen in two or three days. The steak & potatoes came out just fine, despite the inclement weather.

Ruby just came in and opened the door to the garage(!). What is that dog trying to say to me?

It’s mighty cold outside. She doesn’t seem to want to go outdoors, exactly. But what interests her in the garage? That escapes me.

But then…most things escape me.

** Lo! The message M’Hijito sent re: proposed arrival time was sent at 11:20…appeared in my in-box at 1:40. Gee, thanks, Apple!

December 23, 2019
by funny
4 Comments

You Can’t Escape from Stupid

Apparently can’t escape the neighbor’s dog, either…

😀 People are stupid. No matter which direction you look or how you look at them, people are plug-stupid.

Oneself included, of course…all too often.

Today, we have proof of both.

So…the ongoing bug is taking its toll on me. I’m effin’ exhausted. Meanwhile, the wounded hand hurt ALL. NIGHT. LONG  And was all swollen up come the dawn.

It’s normally been a little swollen, but this was beyond the pale. Bound an ice pack to it and wrapped it up in elastic bandage.

No…proverbial…dice.

But meanwhile, after two months of coughing and gagging and fever and misery, the bronchitis I picked up (probably at the Mayo’s ER) healed up…only to be followed a couple days later by a new epizootic — this one apparently just a garden-variety cold.

I don’t do very well with garden-variety colds. For me there’s no such thing as “just a cold.” These things make me effin’ miserable, and they go on and on and freaking on. Like, for weeks. So now I’m coughing up gunk and sneezing and snorking and struggling for air through a blocked nose…and on and on. Yes. Always on and on.

Annoyed — this means still more time off choir, more time feeling awful, more time low on food because I can’t face the thought of doing battle with Christmas crowds to buy basic groceries, more…whatEVER — I start treating the stuff as per usual: generic Afrin to clear up the nose, and generic Robitussin to stifle the frantic coughing. This is working okay.

Meanwhile, the Mayo gets on the phone to discuss upcoming X-rays and wtf is the matter with my busted-up hand. Their nurse practitioner now catches wind of this new ailment. She is not pleased and starts asking the usual questions, to which I respond with the usual answers. I mention the antibiotic I was given for the UTI, which is known to cause lung problems — some of them life-threatening — in older women. She allows as to how it might be a good idea to add a chest X-ray to the upcoming paw X-rays. “Had any chest pain?” asks she. “Uhhh….no,” say I, with some degree of honesty.

Fine. Now I spend the next few hours mostly loafing and reading, after consuming a breakfast (coffee, fruit, rye bread, nuts, cheese) so outrageously late that it qualifies as lunch. I medicate myself so as to be able to breathe and not to be able to cough my lungs out.

While I’m reading a particularly interesting new book, suddenly I get a sharp little pain in the middle of the chest. Sometimes this is scar pain. But I think…no…probably gas. And in fact, a burp or two come up. But this subtle jab recurs. And recurs again.

Holy sh!t i must be having a heart attack! This is IT, dear Lord!

Should I call 911? What’ll I do with the dog? Should I try to drive the 15 miles to the Mayo? What if I don’t make it…who will I kill on the road? Am I doooomed?

Well…after a moment it becomes apparent that I’m not dying. Maybe I’m having some sort of heart thing. Maybe not. It passes.

I get up, go in the other room, and take my blood pressure. Elevated. But not extremely so. As I take and average the usual four or five measurements that comprise an effort to get an accurate reading, the numbers drop by 15 points. Looks this is one more thing that’s not going to kill me.

Realize I’ve gotten exactly zero exercise all day long. Decide to do a short, calming yoga routine. After a few easy poses, I try the blood pressure routine again: first reading is down 22 points off the previous set’s initial reading.

And it’s off to the Internet — aka The Hypochondriac’s Treasure Chest — whereinat we learn that Afrin (nose spray) can raise one’s blood pressure, and Robitussin can cause “dangerously high blood pressure” and chest pain.

Uh huh. Name a drug, any drug, List its side effects. And invariably I will have the weirdest, most far-fetched, and most alarming manifestation possible.

So there’s stupid stuff No. 1. I probably should have called the doctors, but out of stupid orneriness I did not and am not going to because I have bloody well had enough of doctors, and because this little flap now looks not very alarming.

Moving on… While I’m not getting any exercise, Ruby the Corgi is not getting any exercise. I haven’t taken the poor little pooch out all day. And the skies are clabbering up. It’s supposed to rain off and on tonight and tomorrow, and then pour all day on Christmas.

Decide to take her for a Doggy Walk. So, along about 3:30, we set out.

It’s a nice afternoon, under gray skies. We socialize with various wandering neighbors, children, dogs. Marching through Lower Richistan toward Upper Richistan, by golly, what do we encounter but those astonishingly stupid people with the dog that keeps trying to plunge through their front picture window. The old man is outside standing around the sidewalk, with this dog once again wandering around off the lead.

Annoyed, I make a quick about-face and head back toward the ‘Hood. At Feeder Street N.S., I realize that this guy’s house is a half-block east of Richistan Way, so that if we take the next neighborhood lane to the north of him, we can circumvent him and his pooch and get where we want to go. So that’s what we do: head west on the next little street. Get about two-thirds of the way to Upper Richistan, and there the jerk is! Standing there with his massive dog.

Yes. He has walked east to Richistan Drive, north to this little road, and west a half-block in our direction, where he’s now standing around waiting for us to confront his fuckin’ dog.

Well, that’s probably not how his train of thought, such as it is, actually goes. But it’s the upshot. He simply does not grasp the possibility that his dog has been living and breathing for the opportunity to take out my annoying little corgi.

So now I have to do another about-face and walk back into the ‘Hood, curtailing our walk significantly.

The last time this idiot and his pea-brained wife saw me coming and noticed me turning in another direction, they called after me in their best ninny voices, Ohhhhh don’t worry! He won’t hurt anybody!

That’s fine, but how’s about you obey the leash laws, you morons? And how’s about we don’t tempt fate?

This is the dog that takes up a position on a shelf or table that these two have installed in their front picture window. It dozes all day in this window. Every time the critter sees me and Ruby walk by the house, it flies into a freaking berserker RAGE. It roars and barks and growls and, more to the point. throws itself against the window over and over, banging the window so hard it rattles and groans.

Eventually that window is going to break. When it does, the dog will come flying out through piles of glass shards and, if it doesn’t disable itself by getting mortally slashed, will come right straight after me and my pipsqueak dog.

These people are retirees, so it’s hard to believe the fools don’t notice their 90-pound beast is bashing itself full-force against a plate glass window. They couldn’t possibly miss it. That means they’re simply too fuckin’ stupid to surmise the obvious consequences.

They’re the folks who feed the coyotes.

Yeah. That’s why that street and the alley up behind their house are home to Coyote and all his wives, pups, and cousins. At night they put out two or three dishes of food for the feral cats (which they love dearly), thereby calling the coyotes to their driveway to consume the food. Being Belaganas, they’re none too bright about Coyote and appear not to understand that a fed coyote is a dead coyote. Or rather: incapable of understanding that concept. They have been told and asked and told again and asked again not to leave food out for stray animals, time and time and time again. But these idiots seem to think common sense doesn’t apply to them.

Stupid: it’s an epidemic.

December 19, 2019
by funny
5 Comments

De-Banking and Re-Banking

Possibly the term is de-credit-unioning…but that’s a little clumsier than de-banking, for a title. 😉

The plan under way just now is to abandon the Arizona State Credit Union, now annoyingly called “OneAZ,” and move my vast wealth over to the Desert Schools Credit Union. Probably I should have done this a long time ago, but out of inertia I’ve remained with the state employees’ credit union. Closing out a personal account and a corporate account represents a substantial amount of hassle, especially since a LOT of direct deposits come in and even MORE automated direct payments go out. Canceling each of these and re-establishing them at a new institution presents a lengthy series of headaches.

However, OneAZ (isn’t that cutesiness enough to  just gag you?) has gone too far in its latest manifestation of customer disservice. They’ve decided that we no longer will be allowed to deposit checks by scanning to a computer and uploading to an account. All electronic deposits now must be made by smartphone.

Well. I don’t have a smartphone and I don’t want one and even if I did want one, believe me, there’s no way in Hell I could afford one. I’ve tried an Android smartphone and after several expensive months of wrestling I simply could NOT learn how to work it. We’re told the iPhone is more OldBat-friendly. Yeah: for a thousand bucks.

Jayzus. A thousand dollars for a telephone!

At any rate, what this means is that every time a check comes in, I have to traipse across the city to hand the damn thing to a teller, in person. The nearest branch is at the ASU West campus, a 15- or 20-minute drive through a depressing slum — so, 30 minutes to deposit one check, with no other errands to do on that side of town.

I get a constant flow of little nuisance checks. Medicare and Medigap do not accrue all the eligible payments for any given Adventure in Medical Science. They send you a tiny little check here and a tiny little check there and an even tinier check again. Most recently, they sent me a goddamn check for $3.17! The gasoline to drive to the credit union and back would cost more than that!

Desert Schools is located in the North Central corridor, putting it reasonably close to the Funny Farm. And, more to the point, putting it in the general direction of other errand destinations where I go several times a week: two grocery stores, an Ace Hardware, drugstores, a Costco…. And several more or less acceptable restaurants;. It’s halfway to a Sprouts; a Nordstrom’s Rack; the FedEx guys, an upscale Fry’s and a downscale Fry’s (the local name for Kroger’s); and the now much-discombulated Biltmore Fashion Square, home to a Macy’s, a Saks, a Williams-Sonoma, a Pottery Barn. L’Occitane, a Cost Plus, a Pier One, and on and on.

So as a practical matter, Desert Schools is much more convenient, now that I’m not working at the West campus. I’ve stuck with them for a good 20 years, because their service has been primo, and for many years they had a banker stationed in the lobby who was about the best thing that ever came along. But recently they promoted the guy, and they replaced him with one of the dumbest cows I’ve ever seen. She is just stump stupid, and when you have a question or a problem, she not only is no help, she’s actually…shall we say, counterproductive.

This leaves as the only reason to drive out there the depositing of checks, which one really should not have to do at all because in any reasonable system one would be able to upload a jpeg or two and be done with it.

LOL! Desert Schools has also changed its name, but at least not in an annoying way: they now call themselves simply “Desert Credit Union,” presumably signalling that potential customers no longer need be educators to qualify for membership.

One must admit, the products they offer are significantly better than OneAZ’s. They can take wire transfers, although only to personal accounts. Since we recently de-incorporated The Copyeditor’s Desk and turned it into a sole proprietorship, that won’t matter: clients can simply wire direct to me as a human being rather than as a business entity. This, oh hallelujah, would revive my China trade!

WonderAccountant wants me to keep a separate business account, though I fail to see why I couldn’t simply segregate CE Desk transactions into a savings account within the personal account. You can make electronic payments directly out of a credit-union savings account; besides, I charge business expenses to the corporate AMEX card, so you’d think that would maintain enough of a corporate veil. As it were. Why do you need a corporate veil for a sole proprietorship, anyway? All its assets belong to the proprietor…

At any rate, this little  transfer scheme looks to me like a long, sticky mess.

BECAUSE…I have quite a few automated direct deposits and quite a few automatic payments, not the least of which are the utility bills, which are engrossed by each utility provider from their direction. This means I’ll have to call the city water department, the power company, and the gas company to give them new account information…and as you know, anything that sounds as simple as that invariably turns into a headache-breeding tangle. And I have Metlife ripping off $128 a month for long-term care, which I need to cancel anyway.

So that will be a hassle. Nay, a series of hassles.

Vaguely, I recall that we were told, when we signed up for long-term care insurance originally through TIAA-CREF, that paying into it created a kind of fund that would be paid back to us if we decided to stop paying premiums. However, TIAA-CREF abandoned the long-term care insurance business and transferred their customers to Metlife, which subsequently also abandoned LTC insuring. They kept their existing customers, but we’re told customer service is execrable and they do everything they can to get out of delivering the coverage you paid for half your life. So even if they don’t return some of the money I’ve poured into their coffers, at least I won’t be wasting any more money there.

Getting through to Social Security to have those monthly payments moved over surely will mean a major bureaucratic runaround, and probably a trip to a Social Security office and several hours wasted sitting around a waiting room.

And heaven only knows how long it will take to move all those automated deposits and payments around and make them work properly.

So. My plan is to leave about a thousand dollars in the OneAZ personal account and maybe about $500 in the business account. That should (…i hope…) be enough to cover about a month’s worth of auto-payments until such time as I can make SS change its records, but it also should put enough in the new accounts to cover the credit card bills and the auto-payments that get changed with minimal argument or foot-dragging.

It’s going to be a project, probably extending over several weeks…maybe even a couple of months. But I expect the result will represent an improvement.