Showing posts with label Banking. Show all posts
Showing posts with label Banking. Show all posts

Wednesday, April 10, 2024

An evening with DCD

 

DCD is a strange person.  He doesn't always learn from his past, and he makes the same type of mistakes over and over again.  Tonight was a typical example of dealing with him....

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I met DCD at a New Rochelle diner a little after he completed work for the day.  When he arrived, he started to tell me what was going on in his life, and I mentioned that his present situation with his girlfriend is similar to where I was with Ex-GF-M over 10 years ago.  His girlfriend is addicted to tobacco and alcohol, and wants DCD to participate in the addiction triangle: Person A, Person B, and the Addiction.  Whether or not Person B is addicted or not, Person B's behavior will either be that of participating in an addiction, or trying to deal with Person A's addiction.  DCD is the latter type.

I'm not saying that DCD has his act together.  He doesn't pay attention to advice given to him by well meaning friends, nor does he car about things such as payment instructions.  We chatted a little about Zelle and I mentioned that I don't use it because it has become a hacker's paradise.  Once a hacker is able to get into your account via Zelle fraud, the banks have a nasty habit of saying that your money is lost forever.  Yet, when we finished our meal, DCD didn't ask me how I wanted to get paid - he sent me money via Zelle!  This pissed me off!!!!  I planned to take the advice given by Clark Howard (Clark.com), and avoid the use of Zelle to protect myself from scams.  And now, I had to use it to receive money from DCD!  AARGH!!!!!  (No wonder why his relationships fail - he doesn't pay attention to any important messages from anyone.)  Luckily, I don't have any banking apps on my phone, and avoid them like the plague.  I prefer to use my PC or Chromebook for financial transactions, and was able to use one of my lesser bank relationships to receive DCD's money.

When I asked DCD why he uses Zelle, he mentioned that he doesn't like "float".  What he did wasn't related to float.  Instead, it was related to his record keeping - he doesn't want to worry about whether a check has cleared or not - if he does a small value payment via Zelle, the money has left his account and his account inquiry always shows a current balance.  (One the way home, I mentioned this to RQS, and she said that DCD will continue doing things his own way, and not care about what others say to him in regard to their interactions with him.)

I'll end up seeing DCD again on Friday, if only to hand him paperwork for the car.  Hopefully, he won't screw things up, as I want the car out of my driveway within the next 2 1/2 weeks.


Monday, November 6, 2023

A dreary day where I had to stay in the neighborhood

 

I had 2 things I had to take care of today (Friday), and both went in directions I couldn't expect.  Both of them required me to present as a male, and I couldn't wait to get back in my dresses again.  One problem, I won't feel comfortable being in a dress until I have a wallet I am comfortable carrying again....

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The first thing on my docket was transferring money for the co-op, so that we could begin work on a long needed project.  However, I didn't have a good way to prove my identity without a legal ID with a picture on it.  How could I make the transfer without photo ID to prove who I am?  Well, the teller was sharp, and understood the problem.  Since my personal account is with the same bank, they could look up my cell phone number and text me.  One problem - my cell phone has problems receiving signal in some buildings.  Again, the teller came to the rescue - the bank's guest Wi-Fi.  Finally, I could make the transfer - but I made it to the wrong account.  (Guess where I am going tomorrow morning - three guesses, first two don't count.)  AARGH!

Next was waiting for the furniture delivery people to arrive and replace my old sofa.  They came on time, and found that my problem was caused by the first delivery people screwing up the setup - they couldn't plug in the final connector to get the recliner mechanism working.  But these guys did, and I didn't need a new sofa after all.

At this point, I took a nap.  

Later on, I looked for furniture sliders for carpets, but didn't find them in the stores.  Yes, I know that I should have found them.  But it's another item I'll be ordering from Amazon soon.  (It's amazing how much business I give them each month.  But it's better than dealing with Walmart.)  The one thing I'll miss about shopping is that I no longer have my (altered by me) BJ's card which listed my name as Marian and had my female image.  Sooner or later, I'll have to find a way to get a card in my female name....




HVRW Restaurant Week - Tilly's Table w. RQS

  Tilly's Table is a "Farm to Table" restaurant located on an old farm in Brewster, NY.  Normally, I couldn't afford to e...