banking Archives - Ramblin' with Roger

One of those things, again

mostly about money

If you have ever had something go wrong, you might have put a neutral spin on it and said to yourself, “Well, it’s one of those things.” I’ve been saying it a few times recently.

ITEM: I have been feeling off with a head cold for much of the month. Since I’m not “sick” – no temperature, two negative COVID tests – I’ve taken various anti-allergy meds. Could I be having seasonal allergies? It WAS 60F (15.6C) on 10 February, breaking the record for the date in Albany by 7F. Absurd. I was looking forward to a big snowstorm forecast for 13 Feb, but it was a bust as the weather pattern shifted to the south.

ITEM: I was supposed to pay our city taxes by the end of January. To avoid writing a check because checks are expensive, I arranged for our credit union to send them a bank draft, which cost us nothing. But I could not find the bill, so I went to the city’s website and got an amount.

We got a letter from the city in early February with the bank draft returned. I must have picked up the amount from the PREVIOUS year’s taxes. Now we need to pay a couple hundred dollars more, about half of it being interest, by 29 February. So I must either resend the bank draft and write a check for the difference or go to City Hall with the bank draft and cash. This process was supposed to make the process easier and cheaper. I muffed it, though, and it is neither.

ITEM: Likewise, my wife missed the payment date to pay the Spring tuition for our daughter’s college tuition. This involves two-step authorization, which is too boring to detail. But it was more money out of pocket.

Less money

ITEM: At the beginning of the month, I pay specific bills just after my Social Security check hits my bank account, notably my Discover card. But this fiscal dance was getting a bit treacherous. I had less money than I counted on and had to go to our credit union to take out money to put in my checking account.

As it turns out, I had authorized payment for my MasterCard, which I seldom use, but I needed to do so after losing my wallet. On 9 January, the amount due was paid in full. Twice. I didn’t notice this until I got the next MasterCard bill, which showed a CREDIT. I don’t know how that happened, but I’m using that card for everything until the credit is gone.

ITEM: I saw that I got a letter in the mail from the Albany Police Department. Maybe they had a breakthrough in discovering who took possession of my wallet’s contents.

No such luck. I received the contents of a letter from someone surnamed Rogers, who had mailed to the Albany police chief, disputing a traffic ticket in precise detail of alleged misconduct by the APD. “I require proof that I did what you are accusing me of. You have until Friday 12/22/23 @ 5:00 pm to get it to me. If nothing is received… this ticket will be null and void.”

I note that the street number is the same as mine, but the street name, while starting with the same letter as mine, is not mine. The ZIP Code is different. I took it to my local police station.

ITEM: In good news, I’m getting a free week of the Boston Globe online due to some class action suit I probably signed onto. Even better, my payment in Ambrose v. Boston Globe Media Partners LLC, Case No. 1:22-cv-10195-RGS, was approved, and I received a payment of $158.03.

Blogging easier or harder in retirement?

eight hours on the front porch

Arthur – you know Arthur – asked:

Now that you’ve had a bit of time to adjust, do you find blogging easier or harder to do now that you’re retired? Anything else stand out as being harder or easier to do now?

It’s a bit of a rollercoaster, actually. The summers have always been tricky because one doesn’t want to be shut off in the office while the family is around.

Fall 2019: it was quite productive, actually. Time to do those pieces that might take a little longer.

March 2020: At the beginning of the pandemic, my wife was teaching school from the dining table. This was really awkward; if I wanted to do anything downstairs, such as washing dishes in the kitchen, or watching TV in the living room, I felt that I was intruding on her classroom. Meanwhile, my daughter was sequestered in her bedroom. So I pretty much HAD to be in the office or the bedroom. This was advantageous for blogging.

When I petitioned for her to use the spare bedroom for her teaching, she initially resisted. But she soon found its advantages, not just teaching but for ZOOM church meetings, and the like. The daughter then would go downstairs and listen to her classes on the living room sofa. Again, I retreat to the office, which was good for blogging.

Blogging on the road is easier when I’m alone, virtually impossible when I’m with others. Back in the day, I’d go down to the “business center” and use one of the public machines. But now, I’m not able to remember to gather up all the things I need (clothes, room key) before leaving in the dark. Typing in the bathroom is not only suboptimal to me, but audible to the others.

Quit the blog?

But, and this might be an age thing, but I really can’t blog at night anymore. The best time on weekdays is from when I get up until my daughter leaves for school, with certain regular interruptions. They would be making sure my daughter’s up, watching 90 seconds of news at 7 a.m., saying goodbye to my wife, feeding the cats, and not hovering (as she puts it) when my daughter leaves.

And when I was having major problems with the technology of the blog, when it was down for 28 hours, and when it was assaulted by malware, it was really difficult. I dithered between quitting blogging and going back to my arcane Blogger blog that I used for the first five years. Unlike you, I never had a technological mentor.

The melancholy means it’s been much harder recently to blog. And NOT blogging makes me MORE melancholy. So my pieces in the queue have shrunk to about three dozen when six months ago, it was about five dozen. Given many are evergreen pieces I’ll only use if I’m desperate, or dead, I’m not all that far ahead.

Time is on my side. Yes, it is.

On non-blogging issues, I’ve found I have the capacity to actually access my bank, the credit union of my wife and me, and my primary credit card, all online. I check them all about twice a week, move money from our savings to checking on the joint account, and pay off the credit card each month. It wasn’t difficult, it just required time.

I know I say this a lot, but it’s no less true for that. I’m too busy to work. No way I do the ZOOM event for the library, for which I got an award if I’m employed.

Of course, this means that some people think I’m readily available. Not really. I did spend eight hours sitting on the front porch with my oldest friend from college. But I had to find a day I wasn’t working on something or going to the doctor or doing the shopping I promised to do, or…

Sha’Carri Richardson, athletics and marijuana

Tokyo Olympics

The 30-day suspension of American Sha’Carri Richardson for a positive marijuana test means she is barred from competing in the women’s 100-meter dash at this summer’s Tokyo Olympics. But as I’ve read reactions across the board, I’ve concluded that her suspension is stupid.

From the Denver Post: She should have nothing to apologize for. “There is only one reason why the World Anti-Doping Agency (WADA) should exist: To ensure athletes’ success on the international stage is determined more by pure athletic ability than who they employ as their pharmacist. Which is why [the suspension] makes absolutely zero sense.

“Back in 2011, a WADA-sponsored paper determined marijuana was a performance-enhancing drug, which might hold more water… if Richardson were a competitive eater or gamer.

A ‘substance of abuse’

“Now a decade later, marijuana’s inclusion on WADA’s list of banned substances is tied to its classification as a ‘substance of abuse.’ Of course, that bit of paternal moralizing has nothing to do with ensuring Richardson doesn’t have an unfair advantage on the track.

“Another unfortunate and devastating development? That Richardson felt compelled to appear on NBC’s TODAY show to apologize for her marijuana use and explain how it was tied to her own personal attempts to cope with her [biological] mother’s death.”

As she told NBC: “To hear that information coming from a complete stranger, it was definitely triggering. It was definitely nerve-shocking. It was just like, who are you to tell me that? No offense against him at all. He was just doing his job. But definitely, that sent me into a state of mind, a state of emotional panic.

“I still have to go out and put out a performance for my dream, go out there and still compete. From there, just blinded by emotions, just blinded by hurting. I knew I couldn’t hide myself. In some type of way, I was just trying to hide my pain.”

Boston wouldn’t ban her

From the Boston Globe: Sha’Carri Richardson isn’t a cheater. She’s human. And she got caught up in a system that might need to change.

“With her newly tinted orange hair trailing behind her like flames, she captured our hearts not only with her performance on the track, but with her moving story off it, seen in the emotional hug she climbed into the stands to share with her grandmother.

“As we know now, it wasn’t any sort of steroid or performance-enhancer that was found in Richardson’s test sample. It was marijuana, a drug that is legal in Oregon, where the trials were held, continues to be legalized in states across the country…

“The mental health of athletes is a similarly heavy topic, one that has gained more and more public attention in recent years, so much so it was listed by both USOPC chairperson Susanne Lyons and chief executive Sarah Hirshland as one of the organization’s top priorities in a recent teleconference with reporters. As Hirshland said, the emphasis on mental health needs isn’t just important for Olympians on their watch, but ‘for society writ large.’

Coincidentally, from the National Memo: “Justice Clarence Thomas Says Federal Laws Against Marijuana No Longer Needed.” Clarence Thomas!

According to the Washington Post, the World Anti-Doping Agency’s prohibited list published on Jan. 1 lists the chemical compound found in marijuana, THC, next to cocaine, MDMA/ecstasy, and heroin as a substance of abuse and that the rule book says they are considered substances of abuse because they “are frequently abused in society outside of the context of sport.”

The rules

A right-wing rag complained, in that eye-rolling way, that AOC said that Richardson’s suspension was “racist.” I do find this MoveOn piece interesting. “Elite Black women Olympic athletes undergo exceptional levels of scrutiny, from Simone Biles’ recent record-breaking double pike vault which received artificially suppressed scores despite its difficulty to Christine Mboma and Beatrice Masilingi, two Namibian runners who won’t be permitted to run in their main events because of their naturally high testosterone levels. And we learned the Olympics decided to ban swim caps designed for the hair of Black swimmers.

Even International Olympic Committee member and a founder of the World Anti-Doping Agency Dick Pound thinks this marijuana ban needs to go, saying, “One of these days, we should probably either take it off the list entirely or say it’s there but the minimum sanction should be something like a warning, so you’re not losing any period of eligibility.” So why is it being enforced now?

Patchwork quilt

In my latter days working as a librarian, the Small Business Administration and by extension SBDCs were, for a relatively brief time, banned from helping any business that was dealing with cannabis. This included people growing hemp for non-consumable purposes. It was, fortunately, rescinded, because it was an inane policy.

The fact that marijuana is treated as though it were heroin at the federal level is crazy. To that end, I support the cannabis banking bill passed by the House in 2021.
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“Banks have generally been unwilling to do business with companies that sell marijuana or related products, fearing they could run afoul of federal laws.

“That has left companies in the marijuana industry with few options, including relying on just a handful of small financial institutions or doing business in cash. The American Bankers Association has lobbied aggressively for the ‘SAFE Banking Act’ bill.”