complaints, money, weather

This heat can go away now! So can scammers!

Yesterday, it got up to about 98 degrees. I spent most of the day in rooms where I have portable air conditioners, which helped a bit. It’s still pretty miserable, though, this time of year in Germany. I was sweating all day, and spent a good portion of the afternoon sleeping and having weird dreams. I even pulled out a cold wrap I bought on a trip to Maine about ten years ago. It can be microwaved or frozen and put over the shoulders. It does help to cool one off, but only for as long as the wrap stays cold… which isn’t that long.

Just before I was about to go to bed, I got an email from USAA. Someone tried to use my credit card to buy $107 worth of chicken wings from Wingstop! I had been watching the card all week, because there was a pending fraudulent charge all week from Stack Magazines. The charge was authorized, but the merchant never took the money. I didn’t call, because in the past, when I’ve called the bank about pending charges, they tell me there’s nothing they can do until it goes through. Obviously, the person who got my credit card number decided to be bold and try to order food. Thankfully, USAA caught it, but now once again, I have to wait for a new card to get to me.

A few months ago, my debit card got scammed, and I had to wait for a new one to get to me. I was pretty angry about it, because they kept denying legit charges, but then when an obviously fraudulent one went through, they approved it. It was obvious, because it was for a food outlet in the USA, and I can’t even access their Web site from my location because it’s geo restricted. They denied charges in Europe, thinking that was “weird”, even though I live in Europe and have for eight years. But then they let some idiot in the USA pay for food and an Uber with my card.

At least this time, they immediately blocked the charge, so good on USAA for that. I see that they’ve also already assigned me a new number, though I still have to wait for the card to get to me. I do think it’s crappy that I’ve had this happen twice now with USAA’s cards, just in 2022 alone. It’s probably not their fault, though. It’s the lowlife scumbags who think they have the right to steal from other people by committing credit card fraud who are at fault. Also, I was happy that the person I spoke to last night was professional and polite. Unfortunately, that’s no longer a given with USAA. They used to have stellar customer service, but things have definitely gone downhill.

I’ve been trying to get rid of USAA’s banking services, but it’s really hard to do that over here. German banks don’t like doing business with Americans, thanks to our tax laws. They are required to report to the US government on any accounts held by US citizens. So, that’s why we use American banks… It’s a pain. Cumbersome banking is a somewhat small price to pay, though, since the lifestyle is good here. Except, of course, when it gets hot, and there’s no air conditioning. Slowly but surely, Europe is starting to embrace the concept of cooling homes… but our house doesn’t have it yet. I bet our landlord will eventually put it in, though. He says he wants to install a heat pump, replacing the oil system we have now.

I’ve been reading more horror stories about the state of the world. I could write about them today, but I think I’d like to take a short break from those headlines and keep things somewhat “light” for my Friday post. Right now, I’m listening to Doris Day and thinking I’d like to try one of her songs. Writing about the usual topics doesn’t exactly contribute to the romantic mood of Doris Day’s songs. So, I think I will close today’s post and do a little music for a change. It’s good for my mood. Better than reading about gun violence, anti-abortion zealots, and child abuse, anyway…

Happy Friday, y’all.

Standard
complaints, humor, rants, social media

Random free floating hostility… so many things that are irritating me today.

This is going to be a really cranky and inappropriate post. If you choose to read it, you may not agree with some of the reasons why I’m cranky. That’s fine, but I don’t really want to hear about it unless you have a funny comment to add, kind support, or commiseration. I have a right to air my grievances on my space, controversial though they may be.

Fair warning. This is my mood today.

Yesterday was an annoying day on several levels. It started off okay enough. I showed off Bill’s Bento Box packing skills to my friends. He cracks me up, because he’s so health conscious and he likes to pack visually appealing, healthy lunches for himself. Meanwhile, I’m planning to eat Cheetos. I ate a strawberry for breakfast, and a seed got caught between my teeth, which was very aggravating. I’m also dealing with Aunt Flow, who made an irritating return after three months. There’s not enough flow to need a lot of protection, but there is enough to make me feel “not so fresh”. Then Bill went off to work, and that’s when things began to get even more annoying.

Before the morning was over, I watched a video on the Meet The Wengers channel. I have been following this lady, Katie Wenger, for a few years now. She’s American, and she married a German guy from Stuttgart. They have three kids and live in Berlin now. I watched her latest video, which was followed by one of her old videos, from when her eldest child was still very young and she was pregnant with her second baby. Her son, then a toddler, had a massive tantrum in a department store, and some rude bitch came up to her and said, “You’re going to have another baby and you can’t even handle the one you have now?” Oh my God… what a rude, insensitive, CUNTY comment that is. Poor Katie was crying. I’m sure I would have fired lasers at that woman if she had said something like that to me. What makes people think they have the right to make comments like that to perfect strangers?

I’m sure she was nicer than I would have been in this situation.

After I watched Katie’s video, it was approaching 1:00pm, which is when one of my banks in the USA opens (7:00 am, Eastern time). I needed to call them, which is never something I enjoy doing. I mentioned last month that I’m wanting to change banks where I do checking. For many reasons, I’m trying to fire USAA.

For over a month, I’ve been trying to set up a checking account with a bank I already use. Yesterday, I called them for the third time about this issue. The first two times, I was told that their system was giving them an “error” when they tried to set up a checking account for me. They said IT would look at it and they would get in touch with me. But, of course, they never bothered to contact me. I was about to give up, but on Tuesday night, Bill managed to open a checking account online with no issues whatsoever. So I called the bank and was told that they needed a “physical address”. I gave them my German address, which the system didn’t want to take. But Bill lives in the same place I do… so why was he able to open an account and I’m not?

Adding insult to injury, this bank’s app sucks. It’s no longer recognizing my fingerprint, and it tells me that my email and phone number are not eligible for two party authentication, even though I was using the app successfully a few days ago. If I go to the actual Web site, it lets me log in and sends me texts and emails with no issues, albeit not without lecturing me about my usual browser, which it doesn’t like. So I called the bank and complained about the checking account issue, reminding the person that this was my third call about this. Then I told her that every other time, people have said someone would contact me, and they never do. I sent an email, too, and got terse response from someone who apparently didn’t understand the issue and simply explained how to use the app, as well as admonishing me to give them a couple of days to contact me. But I don’t hold out much hope for that.

After the bank fiasco, I decided to try to read, which led to my getting drowsy and wanting to take a nap. As I was about to drift off, the doorbell rang. I wasn’t expecting a package or company, so I was a little irritable. I opened the door, and there was a maskless guy standing away from the porch, speaking rapid fire German to me. I fixed a stare on him and said, “I don’t speak German.” Ordinarily, I might have made an attempt, but I wasn’t prepared for his visit and was, frankly, not in a good mood.

He stopped and showed me his phone, which indicated that he was there to read the meter. I said, “You need a meter reading?”

He started going off about Strom (energy) and I said, “Yes, I understand. Come in.” In Germany, the meters are inside the house, usually in the basement.

As he entered the house, I was almost knocked over by the gallon of cologne he was wearing. He immediately started fretting about Arran, who is a friendly old dog who just wanted to say hello. He said, “Your dog…”, like I needed to control a vicious animal or something. Noyzi didn’t come down at all. I can only imagine what his reaction would have been to him!

I said, “He won’t hurt you.” I shooed Arran outside and the guy hesitantly moved the dog gate to the basement, with an air of how I should be more accommodating. I was thinking to myself, “If you want me to be dressed and accommodating, let me know when you’re coming next time.” The guy got his reading and was on his way… and by that point, I didn’t want to nap anymore.

So then I started reading the news, and there were the reports about how the CDC is making the public transportation keep mask mandates until May 3. As usual, the annoying virtue signalers were out in droves, with many saying that we should all be masked on planes forevermore. It shouldn’t surprise any of my regular readers that I think the mask mandates on planes need to go… and I feel certain that it’s only a matter of time before they’re history. Why? Because the masks aren’t very effective, and their enforced wear causes people to act like maniacs on planes. I’ve mentioned before that here in Germany, we’ve been wearing the supposedly superior “FFP2 masks” (like N95s) for months. COVID is still rampant, probably because the virus can still invade through the eyes. But good luck getting people to wear safety glasses or eye goggles.

Planes are so uncomfortable anyway, with the tight seats and lack of legroom. Now we all have to wear masks, and everybody sits around hostiley watching everyone else, hall monitor like, counting the minutes to see how long they take to eat and drink. It’s ludicrous, and it makes airplane travel unacceptably unpleasant for me. So, I decided to add a comment voting against the mask rules.

Naturally, I got a laughing reaction and some guy apparently decided to “school me”, asshole style. I didn’t bother to read his comment. Instead, I unsubscribed from the thread, because I knew there would be a slew of people trying to argue with me– people who went to the Google School of Public Health and want to share news articles with provocative headlines that supposedly “prove” their points. Most of them haven’t even bothered to read the articles they share to support their lame assertions that this is the way we should all have to live from now on. I really ain’t got the time or patience for it.

Just because I am not in agreement that masks forever are the way to go, that doesn’t mean I don’t comply with rules. I do follow the rules, but I don’t have to like them. I can comment negatively about them if I want, and that doesn’t obligate me to have a conversation with some stranger who is just going to insult and berate me for not being a “humanitarian” and cheerleading for masks. I also know I’m not going to change anyone’s mind, and they aren’t going to change my mind. I just want to have my say, especially since I know a lot of people secretly agree with me, but don’t want to say it out loud, because they don’t want to deal with the mansplainers and virtue signalers, either.

Then Bill came home and we ended up having a rather unpleasant discussion about Ex. He’d like to forget all about her. So would I. But, as we’ve seen from recent events, she still thinks she has a claim on Bill’s family, and she will continue to try to scam his relatives. So someone has to keep an eye on her. Then he told me he thinks I have an attitude of wanting to avenge against her. And, you know what? I do. I am absolutely furious with Ex for everything she’s done over the years, and you bet your ass I want to see her pay for her wrongs. However, she is certainly not worth going to prison over, so I just patiently wait for karma to hit her. Besides, as long as Bill talks to his daughter, he is going to hear about his ex wife. Younger daughter hasn’t recovered from growing up with that narcissistic woman as her mother. So, if he’s going to have a relationship with his daughter, he’s going to be hearing about his ex wife. I told him if he wants me to stop talking to him about her, maybe we should get a divorce. Of course, neither of us wants to get a divorce, but obviously, someone needs to watch Ex so that innocent people can be warned when she decides to engage in fuckery.

I had a nightmare about Ex and former landlady this morning. I dreamt we had to move back to the Stuttgart area and we got a house on post (which don’t really exist, especially for retired people like Bill). It turned out the house was owned by ex landlady. I dreamt that I was preparing to move, and I said to Bill “Well, at least we know what to expect.”

This morning has been marginally better… I read an article on Military Times about how the military lifestyle is preventing some people from starting families. One lady wrote about how she and her husband are dual military and they haven’t reproduced because of the cost of childcare. Some dickhead wrote, “You shouldn’t have children if you can’t afford them.”

That comment pissed me off, because it’s so rude, thoughtless, and dismissive. What if a person could afford a baby when the baby was born, but then couldn’t afford it later, due to a reversal in fortune? So I decided to leave a kind comment for the woman. 20 years ago, when I was in grad school, I worked on a project in South Carolina that addressed how expensive childcare is… and how it’s not always available, like at night, when some people have to work. It sounds like the issue is an even bigger problem now than it was in 2000. Sexist attitudes from numbskulled, perspective challenged military guys who are dismissive and lack empathy, are not helpful. I’ll bet that guy also thinks that women should be forced to birth, but I don’t care enough to look at his profile to find evidence.

And then… the pièce de résistance…. feast your eyes on the status below…

Facepalm…

Folks… if you made it out of high school, you should know full well that female mammals have two openings “down there”. If your dog is “peeing blood”, it has nothing to do with her reproductive system. Mammals don’t give birth from their urethras. Jeez. And humans have periods. Dogs and a lot of other mammals go through “estrus”– they go “into heat”– which is not the same thing as menstruation. I can understand why the guy who posted this felt like he should explain that his dog can’t go into heat. However, I was pretty bowled over that a man who is presumably old enough to work in Germany with the US military doesn’t know that females don’t have periods through their urethras. And dogs don’t have periods at all! I guess I should be glad he’s taking her to a vet. That’s more than I can say for some people. On another note… I’ll bet he needs a flashlight and a compass to “flick the bean”, since he evidently thinks pee and menstrual blood come from the same hole. I mean, I got a D in biology myself, but I know there’s a difference between the urethra and the vagina.

Bill did make me smile before he went to work, though. We were talking about the pretty bits of glass and pottery some clueless lady in Croatia sent Ex. Ex was gushing about it, and calling it “Mermaid Mail”, because she’s obsessed with mermaids. Bill said, “My (older) daughter is going to make something with those pieces and Ex will take credit for it, as usual. But hey– if Ex wants to build a Mermalair (reference to Spongebob Squarepants), who am I to protest? I just wonder if (#3) is Barnacle Boy.”

I had a good laugh at that. Bill can really be hilarious when the mood strikes. He’s helpful, too. In fact, he helpfully took from me the bag of dog shit I had collected from the backyard, and then he went off to work, Bento Box in his (other) hand. He also shared with me this awesome memory from when he defaced a Book of Mormon at a Marriott hotel, years ago.

Bill can be pretty edgy sometimes.

I do know that in spite of everything that irritates me on the daily, I am a blessed woman on many levels. So take that, world. Hopefully, today will be less annoying… but it is Thursday, and that means I have to vacuum (my least favorite chore). So I guess I’ll stop writing and get on with doing that, so I can focus on being less crabby.

Standard
complaints, condescending twatbags

So now I AM really upset with USAA…

Earlier today, I wrote about how I wasn’t that pissed that USAA allowed fraudulent charges to go through on my debit card. Well… scratch that. I am now furious.

Here’s the deal. I had to call them yesterday, because I discovered three fraudulent charges on my card. This was a week after I had to call them to unblock my card, because they were flagging legitimate charges. Then, when I finally do get fraudulent charges on the debit card, they let those go through. Great… so I called them up and they blocked the debit card. I now only have my credit card to use until my new debit card gets to me. Since I don’t know when that will be, I have been updating my payment methods on revolving accounts.

Doing that, of course, resulted in a fraud alert on my credit card, since I don’t use the credit card very often. I got an urgent email to call them, so I tried to call on Skype. But since Skype doesn’t give me a permanent number, I had to call back on my German phone. Verifying my phone number is one of their security measures. And then I have to go through all of the other security rigamarole– telling them my SSN, my PIN, and reciting a security code they send to me.

I finally get this guy on the phone who starts giving me the usual spiel about fraud alerts. I try to tell him that I know all about it, because I’m constantly having to call them about this. He doesn’t listen, and repeatedly tries to talk over me, which only makes me angrier and more frustrated. I don’t usually yell at customer service agents, but it seems like everything I try to do to fix this problem only leads to more problems. And USAA used to be a pretty good place to do business, but it’s just really gone down the shitter.

So now I’m sitting here fuming, wondering how long and how painful it’s going to be to move my business to another bank. And all because some lowlife crook got ahold of my debit card number. I can’t even really complain about this, because everything on their Web site is automated.

I guess it’s a good thing no one depends on me for money.

Standard
complaints, money, rants

Look what I got!

Yesterday was a somewhat exasperating day. As I wrote in yesterday’s post, I had to call USAA because of their heavy handed fraud alert system. I think it was triggered on Sunday night, when I decided to buy some underwear from Amazon. I use Amazon a lot, but because I had been traveling and had set a travel alert, I guess USAA’s bots figured I shouldn’t be ordering underwear. I’m wondering what would have happened if I’d tried to use my debit card in France.

I didn’t realize I had tripped the fraud alert until I went to order some brandy from my favorite Armenian brandy retailer, another vendor I use pretty often. I went to pay for my order, which included a bottle of apricot brandy for a local friend, when I realized the payment didn’t go through. Then I saw an urgent automated email from USAA telling me that they’d “tried to contact me” and I hadn’t answered. I didn’t answer, because I wasn’t wearing my Apple Watch and didn’t have my phone with me. I didn’t realize I’d need those items for buying underwear from a vendor I use all the time.

I got really pissed. Why? Because this happens ALL THE TIME. Several months ago, when I was trying to book hotels for our trip to Croatia, Austria, and Slovenia, I got the same annoying fraud alerts from both USAA and PenFed. And because I live several hours ahead of USAA and PenFed, and it was the weekend, I had to wait hours before I could call them and straighten out the situation. It used to be that USAA would send me an email or text asking me to verify things. And I did notice that they sent texts this time. But again, I didn’t have my phone with me, because it was just underwear.

You can’t send USAA an email, so I complained on their Facebook chat. “Jason” responded with apologies, but I never heard from him again. Thanks for nothing, Jason. I can see that I did the same thing in October, when they blocked my card as I was trying to book lodging. I complained then, too, and even spoke to someone who called me while we were traveling. Fat lot of good that did.

Yesterday morning, as I was composing my blog post, I got an automated call from USAA. I answered it and verified the charges. The automated voice on the other end of the line said that my card was open and I didn’t need to do anything else. Wonderful. So I went back to the Armenian brandy purveyor and successfully completed an order… which tripped the fucking fraud alert system again. But again, I didn’t know I had tripped the fraud system, so I downloaded a couple of albums.

A couple of hours later, I was walking the dogs, and I got another fraud alert on my phone/watch. I tried to answer the watch while juggling my dogs. I had to give up, though, because it was impossible to walk the dogs and answer the phone. I checked my iPad and noticed that Apple had sent me a message that my card was declined. So I called up USAA and spoke to a very pleasant representative. Really, she was very nice… much like the representatives used to be, when USAA was still customer service oriented. I expressed my frustration at having to make international phone calls every time I need to unblock my card(s). I told her that I was strongly considering changing banks because of this issue.

I do have an account with PenFed. I used to have a checking account with them, but closed it because they charged a fee if the minimum balance wasn’t high enough. Last night, I started an application for another checking account with them, just so I have an alternative to USAA. But really, I think it may be time to migrate our business elsewhere. PenFed is also a bit of a pain in the butt about fraud alerts and shutting down access to things. I’ll have to call them later today to verify my identity because of the checking account request I made last night.

USAA really has gone downhill… and not just because of these customer service issues, but also because I suspect it’s a very culty kind of a place. I remember when Bill was looking for a job in 2014. He spoke to people at a USAA job fair and they asked him if he knew anyone who worked at USAA. He said he didn’t, and it became very clear that not knowing someone there was the “kiss of death”. It didn’t matter that he’s a retired veteran with about 30 years of service, or that he’s been a member of USAA since 1984, or that I’ve been a member for 27 years. I remember writing about that incident on my original OH blog, and USAA’s public relations goons stalked that post for months. If it had been up to me alone, I would have ditched them years ago.

Another thing I noticed last night was that, unbeknownst to me, Amazon put my underwear order on my credit card when the debit card was declined. That isn’t a huge deal, since the order was for less than $100, and I have a huge credit line. I’m just very particular about what I charge on my credit cards. I usually only use them for large purchases or travel. I did make a big payment this morning to cover our trip to France, though. I guess I need to remove that card from Amazon so they don’t do that again.

And then, after I straightened out the USAA blocking issue, I got an alert from Corona Warn, which is a German app where one can upload vaccine certificates and monitor the COVID situation in Germany. I also have a German app called CovPass, which is what I used exclusively when we traveled. We had to show our vaccine certifications at our hotel and in restaurants. The Germans and the French have different procedures. In Germany, we had to wear FFP2 masks and show the QR code, as well as our IDs. In France, surgical masks were okay, and after we showed our vaccine certifications, we were allowed to unmask.

So anyway, even though I didn’t use Corona Warn when I showed my vaccine certs, it was monitoring my location. And yesterday afternoon, I got a message from them, letting me know that I was exposed to COVID-19 sometime on March 2, 2022. It was either at a McDonald’s I went to when I needed to pee, or it was at the restaurant in Stuttgart where we had lunch. Either way, the exposure was five days ago, and we have been in France for most of those days.

Now… I don’t have any symptoms of COVID-19 at all, and I pretty much lead an isolated existence as a general rule. I don’t use public transportation, and once we got home from our trip, I have stayed at home, with the exception of a very short walk I took with the dogs yesterday as I was trying to deal with USAA. But when I got the “red tile”, as they call it, I went to the app to find out what I’m supposed to do now. I found information that was posted in December 2021. According to that info, I’m supposed to go home, check for symptoms, call the health department or my “doctor” (which I don’t have), get tested for COVID (supposedly free of charge), and if I have a positive result, isolate and share my test result.

I should mention that Bill doesn’t have Corona Warn on his phone, so he did not get an alert. However, since we were together the whole time, I guess he would get a “red tile”, too, if he had Corona Warn, which was silently monitoring me based on my cell phone’s location and bluetooth technology. While I understand how this works, it’s a little creepy that this app was monitoring me, even though I wasn’t using it when I showed my certifications.

The instructions on what to do are kind of confusing, depending on a person’s vaccination status. Because I am fully vaccinated, it’s supposedly not compulsory for me to quarantine. But the exposure happened six days ago, anyway. And if I hadn’t had it on my phone, I would never have gotten this alert at all, tardy as it is. I had to make a separate Apple account for the German store to even get these apps, since they weren’t available in the US store last summer, when I downloaded them. That was a bit of a pain, too. I have heard that CovPass, at least, is now in the American Apple store. I’m not sure about Corona Warn.

The tile will turn green again on March 16th. Fortunately, I don’t think we have any big weekend plans… Bill says he’s going to do the taxes. I’ll probably work on my latest jigsaw puzzle… or maybe we’ll clean up the backyard and bring up the furniture for the forthcoming warmer weather. And maybe we’ll enjoy some of the Ukrainian vodka I just ordered. My German friend says she knows a lot of people who get the “red tile” and never get sick with COVID. It’s just a very sensitive app that lights up if you’re even in the vicinity of someone who has tested positive and shared that information with the app. Obviously, not everyone does that, though, so really, I could have been getting red tiles for months.

Standard
law, money, social media, true crime, YouTube

Catching up on the news, and Fundie Fridays takes on Dave Ramsey…

Hoo boy… there’s so much I could be writing about this morning. Bill got home last night and had a joyous reunion with the dogs. That was seriously adorable, and I got it all on video.

Arran had been waiting patiently in the foyer for Bill every night of his trip. He’d go downstairs at about 5:00, and hang out for a couple of hours, then forlornly come back upstairs and join me. They were finally reunited last night! Noyzi was just as delighted to see Bill as Arran and I were. Notice I have “Foreplay/Long Time” by Boston playing.

I put up all our Christmas stuff a couple of days ago, because I just wanted to get it over with. Thursday is vacuum day, and the Christmas trees always make a mess. I knew I wouldn’t want to have to deal with the trees on Thanksgiving, nor would I want to vacuum twice in a week, because, I hate vacuuming with a passion. Also, as much as I love Bill, he has a tendency to get in the way when I’m decorating. So I decorated on Thursday, and now our house looks all festive and pretty. I know it’s early, but fuck it… it’s my house. I like the lights, and the trees make my living room more full.

Kyle Rittenhouse gets off…

As I predicted, Kyle Rittenhouse got acquitted of all charges he faced regarding his poor decision to bring an AR-15 to a protest. He won’t be going to state prison for killing two men and wounding one. However, I have a strong feeling that his legal woes aren’t over. I’ll bet he gets sued for wrongful death. I heard a rumor that the Department of Justice might decide to try him for crossing state lines with a weapon… although I think I would be surprised if they did that. And, even if his legal problems end, I suspect he and his family will be harassed.

Kyle Rittenhouse is now someone that people either love or hate. There are right wingers who champion him. But there are other people who would like to see his head on a platter. And then there are many other people who are just plain apathetic, and will be glad to see this particular bit of news go stale. I think Kyle will be in the news for awhile, though, because I’ll bet he gets death threats. Even though he scored a victory, of sorts, I would not want to be him for anything.

I think about all of the adolescent boys I’ve known over the years… they get this surge of machismo, which I’m sure is biological. They want the hot cars, sexy women and, if they’re into guns, they want the biggest and baddest. They have romanticized ideas about how things will play out, and they lack the maturity to understand that life isn’t a movie set. I think the adults in Kyle’s life really failed him. He could have used someone older and wiser– older than his 18 year old buddy, that is– explaining to him why he didn’t need to be in Kenosha with a gun, trying to be an EMT or the police or whatever.

I know my view isn’t popular, especially among liberals, but personally I think the verdict was mostly appropriate. Kyle Rittenhouse certainly had no business being where he was, and he should not have been carrying a weapon. But the evidence showed that the people he killed were not necessarily good actors themselves. I think it could have very easily gone the other way, and Kyle could have been the one who was killed that day. I do think he should have been convicted of at least one of the charges, and gotten a little bit of prison time, but the prosecution was probably too zealous in the seriousness of the charges they levied against him. They wanted to nail him and make him a poster child, and the facts simply didn’t bear up well enough for them to succeed.

Moving on…

Some regular readers might know that I like to watch Fundie Fridays, which is a YouTube channel in which the hosts, Jen and James, make videos about fundie Christians and related topics. Jen often does her makeup while she discusses these things. I like Jen a lot. I think she’s funny, and I am amazed by how good she is at doing her makeup. I’ve always done my makeup the same way, ever since I was a teenager. And that’s when I can be bothered to wear it!

Every once in awhile, though, her boyfriend James tackles a topic. Or, maybe he just joins his girlfriend on one of her videos. I like him, too. They’re both very engaging on camera. I hate being on camera myself, so I admire that they’re so good at what they do, and they’ve managed to marry a compelling subject like whackadoodle fundie Christians with putting on makeup. It’s a great idea, since both subjects seem to be very interesting to other YouTube viewers.

Last night (or maybe just yesterday, since I’m probably several hours ahead of them), Jen was “busy” tending to her island in a video game. James made a video about Dave Ramsey. I thought it was excellent.

I love the fact that Jen and James are willing to wade through all the cringeworthy crap put out by Dave Ramsey and his ilk and put it together in such an entertaining way.

Seriously, I really think this video is well done. I liked the way James broke down how people used to bank. For instance, he mentions that back in the 70s and 80s, a lot of people had “hometown banks” that were independently run, and loan decisions were made by people in the community. I remember doing that myself.

For several years, I banked at locally owned Peninsula Trust Bank, which was a very small chain in my area of Virginia. It was a great bank– very personal and friendly, and I appreciated the local touch! But alas, like so many other small town banks, it eventually got obliterated by one of the humongous chains that have made local banking a thing of the past. Hell, now I bank with PenFed and USAA, and have no personal relationship with my bank at all, other than to lament about how they’re much too quick to lock down my credit cards when I make a (rare) purchase.

In any case, Dave Ramsey’s issues with financial disaster, before he became a wildly successful Christian financial guru, were partly brought on by the fact that small banks used to be popular. According to the Fundie Fridays video, Ramsey’s small town bank got taken over by a much larger, less personal bank. Ramsey, who was very young to be in the real estate business, owed a whole lot of money. The small bankers were willing to trust him, based on his parents’ successful business and their good name. The larger bankers weren’t, and they called in the loan. He couldn’t repay it within 30 days, because the loan was in the millions. That caused Ramsey to go through financial ruin.

Then, like a Christian phoenix, rising from the ashes, Ramsey became “born again”. He started following Biblical principles to get himself out of financial trouble. He claims they worked for him, and now he’s very wealthy and known all around the world. Lots of people love him. Others, like me, think he’s a verbally abusive, hyper-controlling, narcissistic creep. I ranted about him myself some months ago.

You see, Ramsey doesn’t just preach about financial habits to his followers. He also seems to think he has the right to dictate how they live their personal lives. As James from Fundie Fridays points out, Ramsey might even have a point when he says that a person who will cheat on their spouse will probably also cheat in financial matters. However, I doubt that Jesus would be okay with Ramsey’s habit of abusing and disparaging people who don’t dance to his tune. I think Ramsey’s behavior is often distinctly unChristlike. He says Christians should be “cheerfully generous” in giving their money… but I would submit that Jesus would also want people to be generous in how (or whether) they judge, and ultimately treat, other people.

So anyway…. I think you should watch the above video if what I’ve written sounds intriguing to you. I think James did a great job covering Dave Ramsey, and I hope he does more videos. I love watching Jen’s videos, too, but it was a nice change seeing and hearing from her boyfriend, and they make a great team.

And finally…

There’s still more I could write about this morning. Like, for instance, how it’s impossible to leave a comment on a Facebook news article and not either get hit on by some roving creep with one Facebook friend, or have some stranger put words in your fingers and try to lure you into an argument. I did get hit on by a creepy Facebook dude, who was apparently looking for people to scam. I politely told him to fuck off, and happily, he did.

Things were going swimmingly, until some other guy came along and posted about people with “blood on their hands”. He mentioned me in his comment, and compared Europe to Texas and Florida. Having been to both of those states, I disagreed with his assessment. Europe is nothing like Texas or Florida, even in terms of COVID.

He came back and jumped on me, starting his comment with “Are you telling me that…” and more emotional posturing. I was immediately annoyed, because the comment was several hours old; Bill had just come home; and I just had no desire to get into a Facebook argument with a stranger looking for a fight. I left a longer comment explaining myself, prefacing it by writing “I never said that.” And then I ended it with, “There’s no need to get snippy with me. I was simply commenting on a news article. The COVID-19 situation is not my fault.” He tried twice more to get to me to respond, but I ignored him, because Bill’s home and we were tired… and who’s got the time or inclination to argue with some stranger on Facebook?

I do think it’s a shame, though, that we can’t have calm, rational, sane discussions on social media without it turning into something nasty and uncivilized. I get that people are frustrated, pent up, and angry about a whole lot of things, from COVID-19, to Kyle Rittenhouse, to Dave Ramsey’s bully tactics. But that’s no reason to be rude to a perfect stranger’s painfully neutral comment on a news article. I know that will never change in my lifetime, though, so I probably shouldn’t engage regardless.

So ends today’s blog post. I hope you have a great Saturday, wherever you are… and the news of the world isn’t too distressing.

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