When I was a youngster in the late 1970s, there was a popular song by the late singer-songwriter Randy Vanwarmer called “Just When I Needed You Most”. I am reminded of that song this morning, just after I called USAA to report fraudulent activity on my debit card. Some of my most faithful followers might remember that on March 8, 2022, I wrote a post about exasperating issues with USAA involving “heavy handed” fraud detection alerts. For the past few years, USAA has been shutting my debit card down at the drop of a hat. Every single time they did that, the charges they were detecting as potentially fraudulent were legitimate.
This morning, as I was checking my bank balance, I noticed that I had three weird charges that I know didn’t originate with me. One was for Insomnia Cookies, which I have learned today is a cookie bakery chain in New York City that, evidently, delivers at all hours. I had never even heard of Insomnia Cookies before today, but I have a pending charge from them on my debit card. One fraudulent charge was for Uber Eats, which does exist in Germany, but not in our area. I have never ordered from Uber Eats in my lifetime. The third charge, which was evidently reversed, was for Uber. I have also never in my life used Uber.
None of those wonky entries tripped USAA’s fraud alert system, even though they were “in person” charges for goods and services obviously made in places where I don’t live, and have never told USAA I was, or ever would be, visiting. And yet, last week, when I was bitching at USAA for denying my legit charges in Europe, they were questioning a charge to an Armenian Brandy Boutique in Belgium that I have ordered from multiple times over the past several years. What gives?
I spoke to a USAA member representative at 5:30am, who began the dispute process for me. Now, I have to wait until the new debit card gets to me, which will take some time. And I have to change all of the payment methods for which I’ve been using the USAA debit card and use credit until I get the new card. I don’t like using my credit cards unless it’s absolutely necessary. I spent too long getting myself out of debt to feel comfortable using credit cards for everyday purchases, even though I can and do pay them off immediately. It is annoying that I’ve had to call them so many times about having my card erroneously shut down, but now they’ve missed actual fraud. Clearly, USAA’s security system isn’t working to its fullest potential.
Meanwhile, last week, I made a request to PenFed that they open a new checking account for me. While I was talking to them, trying to get the new checking account set up, their computer system went down. I was told they would send me information about opening the account. It never arrived, so I’m going to have to call them again today.
When we first moved to Germany, I told Bill that I thought we should get a local *German* account. He disagreed, and got one at the credit union on post. Now, he’s changed his mind, and we’re going to look into opening an account that can be used locally so that this kind of crap might be less of a pain in the ass for us.
A number of my friends have told me they’ve stopped using USAA. I’m beginning to think maybe that would be a good idea for us, too. This decision is probably going to be painful and inconvenient. We’ve used USAA for so long that it feels like dropping them would be like divorcing a spouse we’ve been married to for decades. I have been a customer since 1994. Bill has been one since 1984. But unfortunately, it looks like the time has come to reconsider this business relationship. Or, at least start moving some of our business to more secure/less irritating outlets. I actually wanted to ditch USAA years ago, but deferred to Bill, since he’s the breadwinner. I think maybe he’s starting to see the light.
I also checked the Corona Warn app to see if I’m still getting a “red tile”. As of right now, I am. The tile is supposed to expire today, though. I haven’t been sick with COVID-19. Or, at least, I haven’t shown any symptoms of illness, other than my usual asthma cough. So, I guess the bright side is, I still have my health. At least for the time being.
I might be back later with a rant about current events or something else. For now, I think I’ll practice guitar and walk the dogs. That will help me blow off some of this irritation and tension.
I must say, Jill looks very beautiful these days. I’m happy for her, and I hope her pregnancy goes well. I also hope she doesn’t attempt another home birth, but I think she’s smart enough not to try that again. It’s not that I necessarily have anything against home births as a general rule. It’s just more that Jill’s first two pregnancies were pretty dramatic at the end, and she ended up having to go to the hospital on an emergency basis. It would not be smart for her to try to birth at home again, given her history.
I still don’t necessarily approve of the transphobic and homophobic comments Derick Dillard made a few years ago. I think part of that was an attempt to cause problems for the Duggar empire, since Derick was allegedly angry with Boob for not paying them for their work. However, knowing how religious Derick supposedly is, I also suspect that he really believes most of the awful stuff he said and wrote about Jazz Jennings. On the other hand, I respect Derick for not putting up with Jim Bob’s bullshit and for, evidently, being a good husband to Jill… and not forcing her to continue to live by Boob’s ridiculous fundie Christian rules.
Today’s post title comes from a little wisdom I picked up after watching Dawson’s Creek back in the late 90s. I was in my mid 20s at the time, living with my parents, and trying to get my shit together after my time in Armenia. It was during that time that the WB network still existed, and I got hooked on 7th Heaven and Dawson’s Creek. It amazes me to think of how long ago that was. The years have flown by so fast!
Anyway, I remember that the character, Jen, played by the amazing Michelle Williams (who does a mean Gwen Verdon impression), had a grandmother who regularly dispensed trite advice. I really only watched Dawson’s Creek during the first season. I was pretty busy at that time of my life, and didn’t have much time for TV. But I do remember the episode that quote came from… as “Grams” was talking to Dawson and said her comatose husband used to say that “If you want the rainbow, you have to put up with a lot of rain.” And then she said to Dawson, “From what I’ve seen of you so far, you better buy yourself a good umbrella.” Sage words indeed, Grams. Hopefully, Derick and Jill and their sons will have a healthy new family member this summer. I also hope Derick has a good job, especially since TLC presumably won’t be there to film the birth.
Tomorrow, Bill and I will be going to Stuttgart to see our dentist. I look forward to being done with that little pesky chore. Afterwards, we will drive just over the border into France and spend the weekend. The dogs will be at the Hunde Pension. Hopefully, they’ll be okay for four nights. I suspect Arran will be annoyed at having to stay there. He’d rather come with us. If it was just him, maybe we would bring him, although he doesn’t do so well by himself and we’re going to dine out. Noyzi takes up the entire back end of our Volvo, so it’s not so practical to travel with him. He loves trips, though.
I’m looking forward to getting out of here for a brief respite, especially since we’re going to France. We haven’t gone anywhere in months. The weather has vastly improved, too. It’s still a little windy and chilly, but the sun has been out a lot. The days are getting longer. Pretty soon, it’ll be time to reconnect the lawnmower and haul the outdoor furniture up from the basement, so we can sit outside.
Although there’s a conflict going on in Ukraine, and it’s very troubling and scary, I can’t help but feel somewhat hopeful and optimistic. I’m not sure why I feel this way. I should be more scared, I guess… but I think the past two years have tapped me out on being scared.
I was sitting in my bedroom yesterday, thinking about how totally awry my life has gone. I mean, I’m very comfortable, but all of the things I planned for myself kind of went out the window. But then, I couldn’t have foreseen all that has happened over the past twenty years or so. Things that were so important back then, don’t really amount to much today. And now that Putin is talking about nukes, maybe it won’t matter at all before too long. So I feel like I just want to enjoy things for now, for as long as I can. Getting too upset about stuff I can’t control is a waste of time and energy.
I did get a little triggered last night, though. I happened across a Reddit Ridiculousness post about a person who accidentally damaged a “friend’s” laptop and offered to pay for a brand new one. The friend with the damaged computer then demanded an extra $500, because she wanted to upgrade… Can you imagine the balls on that bitch? Have a look.
That post was very satisfying to read. The ending was perfect. I can’t abide people who have the stones to try to get over in such a way. I can’t even imagine having the nerve to demand that someone buy me a brand new, upgraded laptop computer, when I negligently put the computer on a surface where people sit down. Good for that judge for holding the computer owner responsible for her own stupidity and carelessness. She probably did that on purpose, hoping to scam someone into buying her a new computer. I’m glad the really kind original poster did not give in to the extortionate demands of the thieving computer bitch. Good on her for letting the bitch sue her, and then allowing the judge to hand the bitch her ass. Serves her right.
As I read that post last night, I was reminded of our ex landlady’s attempt to force us to buy her a brand new awning. I’ve written about that sordid affair a few times and you can read most of long version of the whole awful tale here. The short version is, I had asked the former landlady to have the awning repaired, because it was leaning very low and looked like it was going to fall. She had her husband do the job instead of hiring a professional.
One really hot day, the wind was high, and the heavy awning finally collapsed. I wasn’t outside when it fell, and I couldn’t predict the wind, so ex landlady immediately accused me of being “negligent”, completely ignoring that it was her responsibility to have the thing fixed. She was VERY lucky no one was hurt or killed that day. But she focused on the fact that I wasn’t sitting under the awning when it fell. She claimed that it had been a “stormy” day. If you click the link to my first post about this, you can see that the weather was sunny that day– at least when the awning initially fell. It did storm later, but that happened after the great collapse. In the photos I took right after the awning fell, it’s clearly bright and sunny, with no signs of rain.
The insurance settlement she got from our liability policy was only 300 euros. That wasn’t enough money for her, even though the awning was 17 years old and she hadn’t had it properly repaired. A little over a year later, when we moved out, she came up with a bullshit list of reasons to withhold our security deposit. She wanted 2800 euros to buy a brand new awning. I guarantee you, though, that if the situation had been reversed, and we were the landlords, there is no way in HELL she would have paid for a new awning. I think she knows damned well that’s not how insurance works. She was trying to take advantage of my husband’s good nature, and apparently thought we were both weak and stupid people. I strongly suspect that she’s done this before, to other people… and especially other tenants. In retrospect, we should have held her completely responsible from the beginning, and refused to file an insurance claim, given that she didn’t have a professional fix the awning.
When Bill pushed back and asked ex landlady for a list of bills proving that she’d spent 2500 euros of our deposit to fix the house, as well as proof that we were responsible for the damage, she got really nasty, insulting, and unprofessional. She sent a few bills, including a couple for things that weren’t our responsibility, but were just intended to make us feel guilty for how much money she was spending (on anal retentive things like washing the roof of the carport). She grudgingly gave back about 666 euros or so, out of 3200, and flat out REFUSED to give us more. She falsely accused us of theft, and completely ignored that she did some things very wrong as landlady, as she demanded perfection from us. It was pretty clear to me, at least, that she was determined to take our money, no matter what. So Bill sued her. It took a long time, thanks to COVID-19, but in the end, she had to pay us back 73 percent of what she illegally withheld, and she had to pay our lawyer, her lawyer, and court fees.
In the end, she probably spent over twice what she tried to rip off. She also got off easy, because she didn’t follow several proper landlord procedures, according to German law. If we had been very stubborn, vindictive people, we could have nailed her for a lot more money. But we just wanted to hold her accountable, because we suspect she has a habit of ripping people off. There’s a reason why she prefers American tenants. We wanted proof of her shady practices, so we could provide it to the military installation and have a prayer of sparing other Americans from having to deal with her. Moreover, I was on the receiving end of her verbal abuse for four years, and I figured she had it coming. In spite of that sweet victory, I’m still really pissed off at her. I know I shouldn’t be, but I am. I can’t abide narcissistic, abusive people, especially when they fuck with my husband.
Now, of course, we have a much better landlord, and a better house. And, for now, thanks to Putin, Bill has job security. Or, so it seems… I sometimes worry about the future, and where we’ll end up. I try to take steps to make sure we have an “umbrella” prepared for the rainstorms… and hope we’ll see rainbows. So far, we generally do get treated to better times when there are “storms”. But I know that’s now how life always works. I am a bit worried about the world’s problems… but I’m also looking forward to better times. Or, at least a time when problems will be beyond me, because I won’t be around for them. I have always been comforted by the idea that someday I’ll be dead, and I won’t have to care about anything anymore.
I don’t know how much writing I’ll be doing over the next few days. I’ll bring my laptop, making sure not to put it on a couch to be sat upon. But I hope we’ll have the chance to see a lot of stuff, eat some good French food, and enjoy the world a little bit more than we have been lately.
Yesterday, as Bill and I were preparing to eat at our second culinary destination in one day, I noticed a scary Facebook post in a local group I’m in. It seems there is a gang of women in our town who have been trying to break into houses. In fact, a couple of weeks ago, Bill told me that one of his coworkers, who happens to live in our town, caught someone trying to break into his car. And there have been two posts in our group about criminals trying to break into people’s homes, even when they have gates. These criminal bitches have tools and have been caught trying to breach the gates.
Naturally, reading about this made me nervous… so as we sat in a Parkhaus turned Michelin one star restaurant (until the usual venue can be rebuilt after a fire), I went on USAA and upped our insurance coverage. It may not have been necessary, but it wasn’t like the extra coverage cost that much. And it did offer peace of mind. On the other hand, how sad is it that I was looking at my phone before a Michelin one star meal? And how sad is it that I could buy extra insurance coverage in a matter of minutes, using my phone? Technology is a double edged sword.
Then, while we were waiting for dessert, I happened to notice a post from a former colleague of mine. Actually, colleague is a stretch. I worked as the cook at a summer camp, and he was one of my dishwashers. He posted a rude meme about Joe Biden, likening him to the Taliban’s greatest employee. I had to have a laugh at that. If anyone is the Taliban’s employee of the month, it’s Trump. Trump made the deal with The Taliban in the first place. And this pullout was destined to be a mess regardless.
I was reminded once again of a post I wrote for my original blog, in which I wrote about how Trump’s leadership is the perfect example of “seagull leadership”. You know what that is? Basically, the seagull comes in, makes a huge mess, and leaves, expecting others to clean up their shit. I think Trump is the poster child for the seagull style of management. I really don’t think he would have been better or done more to make this transition better.
What is sad, though, is that so many Americans WANT to see Biden fail. They are screaming about impeachment, seemingly forgetting that if he leaves office, their worst nightmare will happen. Kamala Harris, a biracial woman, would take over. Do they think they would get better treatment from her? I don’t know. I think she can do the job, but I’m not sure that’s what the Republicans really want. A lot of them are both racist and sexist.
I read a comment last night from some guy who said he didn’t vote for Biden became of WHO he is– even though he knows Trump is a narcissist. Sorry… I just don’t get it. Trump, as a narcissist, is the worst kind of person to be leading. Narcissists don’t care about other people. I voted for Biden because of WHO he is… and who Trump is. I say, if you know your party’s candidate is a bastard, why not demand better? I would prefer a younger, more dynamic candidate myself… but I would easily choose Biden over Trump. Biden isn’t a narcissist, and that automatically makes him much more qualified, in my opinion. But I realize that not everyone understands why narcissists are such bad news.
Anyway… we just had a huge lunch, and I am about to fall into a food coma. So I will quit writing now… and hope that shit will improve soon. I see that ISIS is coming in now, complicating matters and, for sure, delaying our departure, forcing us to deal with the aftermath of the pullout…
The 20th anniversary of 9/11 is coming up. I hope people are on their guard. I wouldn’t be surprised if ISIS has something planned, while we’re dealing with Afghanistan.
So… until next time… sayonara. I have to take a nap now and digest the fabulous fresh trout we had for lunch.
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