Wednesday, May 11, 2011

ING Savings

I've been using them for a while. I'll save up what money I can - and then boom - something happens and I have to use it.

I recently closed my Compass checking account but already had a Chase checking account opened to replace it. The problem? Of course, you have to change all the information on all of your online accounts and in this case, my account with ING Savings.

Well, inputting the information was easy enough. But then, we got to the "verification" stage. You could do it instantly online or some other option that would take a while to get done. Well, I want to start saving right away, I don't want to wait. So, I opted for the instant verification.

It apparently has access to your credit file and gives you multiple choice questions about things like an auto loan, where you are or have lived, things like that. On 2 of them, none of the answers on there were correct, so I clicked none of the above. I had a bad feeling about doing that, but I carefully scrutinized the question and the answers, none of them were correct.

I clicked the field to verify and what comes back? We're sorry, we could not verify your information, we are going to do whatever it is they are going to do and you will not be able to do anything with this link - they call them links, the banking accounts you have connected to the savings account you have with ING - for 15 days. FIFTEEN days? The other option was to snail mail the information in for the verification.

SCREW both of those options. I called them up, there was nothing they could do, so they said. I said fine, cancel the account, there are a lot of savings institutions online nowadays, one of them will be happy to take money from my checking account and deposit into their account. The funny thing is, they didn't even TRY to keep me as a customer. I found that unusual, but I didn't care, either. Perhaps lots of people close their accounts with them every day, who knows.

I opened one up with another bank of which I now cannot access my account. Are you serious? It's asking me verification questions because I am a new customer. The problem with THESE questions are they are questions that you would answer when you open the account, not taken off your credit file. No such option was given when I opened it, it just took me through the process and that was that. Do I close this account, too? Not if they will fix it over the phone. I have an internet account for a reason, so I cannot access my money immediately, making it difficult to get to my savings so that it really has to be something needed now to get it. But also, if I have a problem, I can call them up and have them deal with it.

We'll see what happens, is all I can say about that. I found numerous more online savings banks. If all else fails, I'll open up a savings account with a bank offering the incentive to do so at their place of business and make sure that that bank has the ability to transfer funds from my Chase savings account to their savings account. Why not do it with Chase and just have 2 accounts there?

Cause', they only incentive they are giving is a cash offer if you open up a savings account with $5,000 in it. Heck, I'd take a free toaster like they used to give out in the old days over nothing! Do you remember those days? It was a big deal to get that free toaster!


Wednesday 5/11/11


Strange thing happened yesterday. Dogs next door were barking, which isn't strange, I'll get to that part in a minute. I decided to see if the police and their statements that I should call them instead of turning on the music would actually turn up any results. I suppose, if I had wanted to be sneaky about it, I wouldn't have done so right next to the fence where they could hear me making the call.

But I didn't care about sneakiness. The officer on the phone told me I would have to call a city prosecutor's office. No, no and double no. This is NOT what your officers told me, in person, last week. Call them, they would come out and start writing tickets. That is what they said. This guy went on about the prosecutor's office. No, again, I want the police to come out here and do what they said they were going to do.

Of course, I had no thought, whatsoever, that they would actually come out and write tickets. That, along with several other things they told me last week, was all made up junk.

So, call in, I'm outside waiting - and waiting - and waiting. Next thing I see is a white SUV pulling up to - me, actually. It was not the police, it was what appeared to be a family. No clue who this is. Guy gets out - covered, and I do mean covered - with tattoos. Not that that automatically predjudices me, just an interesting sight to see a man's arms and the visible part so his legs and even his neck with tats completely covering the skin surface.

Okay, I DID think, upon seeing that, that maybe there was trouble? No clue. Braced myself as the man got out of the vehicle and approached me. Is Rey here? Rey? Oh, Reyyy! No, he's not here, they left a while ago for parts unknown. Turns out it's Rey's girlfriend's parents. He went back to the vehicle, they called them and asked where they were at, etc etc etc.

Well, they waited - and waited - and waited for them to show up, I was waiting for the police - the people next door heard me and shortly after making that call they all piled into their van and left. Lol. About the time the last eeklings of the sun's rays were showing, I bid the family out front a goodbye, as I was heading in - I had been chatting with them for well over an hour while they were waiting for Rey to show up.

20 minutes later, they were ALL coming into the house. I think Rey had no small amount of trepidation bringing his girlfriend's parents in, plus their daughter and his girlfriend's daughter as well. He looks at me and asks if he's going to get an eviction notice tomorrow.

Lol, I'm not mean-spirited and besides, tattoos and all, these were nice people. I actually ended up entertaining them for a while, until it was time to go to bed.

About 8:45 is when I went to bed. At a bit after 10:00, my cellphone wakes me up. I get up to go look at it. 602-000-0000. No such number exists, I knew it was the police. I was in no mood to talk to them, it was 7 hours earlier that I had placed the call. I just let it ring and went back to sleep.

That's it. An odd night. I might call the police again today. Depends on my mood, I guess and whether their dogs put me into that mood, really. They have an unregistered vehicle parked on the street, the police can have it towed if they were so inclined. They have 4 vehicles, actually, no, make that 6. 2 in the driveway next to their house behind a gate, 1 in the driveway in front of the gate - none of those are working vehicles. Then 3 more on the street, only 1 of which they drive.

6 vehicles, 1 family, plus all the rest of the junk they have scattered everywhere.

Well, whatever. OH, I sold my ponds yesterday! Yoooohooooooo. The guy told me last weekend he would come on Tuesday to get them and by golly, he did! He didn't even try to talk me down in price. Amazing. So, that gone and money in pocket, that money pays for a liner for that horse trough and then some. In fact, I am going to spend all that money - $125 - on pond stuff since I already had it spent on pond stuff in the first place. I am going to buy another 9 watt UV sterilizer.

Anyway, work day is here and there is an "emergency" delivery that i have to get out first thing.



Tuesday 5/10/11


Finally. 3 consecutive business days starting on Thursday and ending yesterday that we had NO deliveries. The life blood of this business is delivering the material we sell. No deliveries equals no GP. Today's deliveries aren't a lot of money, but it's better than nothing. A bit of a sigh of relief in that department.

Instead of wasting time fearing or anticipating (depending on from where you are looking at this stuff) Christ's return, the energy is better spent praying for all of those people along the Mississippi river whose homes and land are about to be washed away. Some of the stories are heart-wrenching. Today was a guy talking about his attempt to build his own levee around his home and barns.

Ummm, anyway. Work day begins in a just a few minutes. My dad wrote me again after I left work yesterday to my work email account. He's not sure about what to do with this situation that my brothers will be there at the graduation ceremonies. They haven't spoken in years 6 or so that I can think of. That's a pretty good length of time to have to all show up at the same place and consider being together.

That's okay, I rarely see my brothers, either and we don't talk on the phone, in email or otherwise. They are just a notch above being perfect strangers. I do hope they called mom on Mother's Day, at least. In fact, to the end of seeing my middle brother, I am not looking forward to it at all. Seeing my oldest brother means nothing to me anymore either good or bad. He's just a person - that I don't know - that may or may not show up, who knows and at this point, I frankly don't care. I do hope that if we are all sitting together, which would be a photo worthy thing because it will undoubtedly be the only time in this or any coming decades that that will ever happen again, that they will simply keep their negative junk to themselves.

I will have no qualms, whatsoever, in getting up and moving to another spot if they start trouble as the event is about my son, not any of us.

The day looms closer and thusly, the thoughts of having us all together in one place also are starting to pop up.



Interesting day. Up early - 4:00, jolted out of deep sleep by the ridiculous phone alarm - annoying as all get out but that's the inten...