Are we a society that is so into our own little world that we don't pay attention to others around us? Or how our actions affect others? I went to the gym yesterday and got so disgusted with these two ladies. They were older than me, so it's not like they're young and can claim ignorance. There are four upright stationary bikes. I was on the far left one and another lady was on the 2nd one from the right. This left one in between us and one on the right side of her. These two women come upstairs to the bikes. They take the two remaining bikes; leaving the other lady in between them. Not five minutes into their "workout" they start talking to each other around the poor lady sitting in between them. I seriously shot them a nasty look. I had my music on, so really no skin off my nose. But how RUDE! They could have used any other piece of cardio equipment with two machines next to each other. When the lady in between them finished her cardio, the rude lady next to me moved over to the recently vacated bike so she and her friend could continue their conversation.

Got a Toll Free call today. Well, actually, it was one of a few that I actually picked up. Picked this one up because I had just put da little girl down for her nap and didn't want the phone to disturb her. I answered it, "HELLO?" And then this friggin' recorded voice comes on "Please hold." WTF? You call me and then expect me to hold on? I don't think so.

Today is one of the SAHM (stay at home mom) days that I will cherish forever. At first, I was upset with the noisy contractors working on a neighbor’s condo. Forty five minutes into her nap, they dropped something on the ground outside in the courtyard. It slammed to the ground. My first thought was it was a wooden pallet, but it might have been a sheet of plywood or something. Who knows. All I know is that it was a LOUD, SUDDEN noise that woke my little girl up, 45 minutes into her nap.

So I went into her room and picked her up from her crib and we rocked in our rocker. If she did get back to sleep, I had no intention of putting her back down in her crib. I decided I was going to take her into my room and let her sleep on our bed. I’ve done this before when it seems like there is a lot of noise in the courtyard (her window faces out to thecourtyard) that would wake or prevent her from getting a good nap. But when I tried to put her down on our bed, she woke up. So I lay down next to her. And tried patting her on her back to get her to lay down. Instead, she pulled herself over to me and then lay on top of me. And that’s where she fell asleep. And that’s where I found myself falling asleep too. When I woke up almost an hour later, I tried to move her off to the side, but she woke up again and moved back into position. We stayed there for another half an hour. I was able to move her off to the side but in doing so she woke up a little bit, so I pulled her close and we laid on our sides and she slept a little bit more, but with my arm as her pillow. While she was lying there, I got to brush her hair out of her face and play with her little hands. She’s growing up so fast! So I’m not upset with those noisy contractors anymore. I almost want to thank them and today will be one of the days I cherish. 

So, my last posting was about a credit card that had just raised the rate on me or I could close the account and not be able to use the card. I chose to keep the card open and take the higher rate. Well...NOW, effective immediately, i.e. TODAY, that account has been closed. The "bank" decided to close it based on some information they saw on my credit report. The person I talked to said it was the Equifax report. I ordered my Equifax report and there are no negative comments on my report. Of course, I couldn't see what my credit score is with Equifax because you have to PAY for that!! (What a friggin' scam that is...we'll give you a free report, but you'll have to pay to get your credit score. As if that isn't the real reason people want to see their credit report in the first place. Scam I tell ya!!) I know for a fact that my credit score isn't bad. Certainly no reason to immediately, without warning, close my account. They told me a letter is coming in the mail to tell me of their decision. Oh, gee...THANKS. The friggin' least they could do is let me know ahead of time that by such and such date, your account will be closed. I'd still be pissed, but at least there wouldn't be this slap in the face, rude ass awakening when I went to go try to use the card.

On so many levels, this just seems wrong. How can they just shut you down like that? Especially, when I have good credit and pay my bills on time. It's no wonder people go postal. This kind of shit happens and just ruins the day. Puts me in a bad mood. I'm sure I'm not the only person this has happened to. And this is only one card. I wonder how many other cards are going to close the account just cuz. And why should I continue to try to keep my credit in good standing or pay my bills on time when the very people that I'm paying, can just willy nilly decide that they want to close my account, effective immediately? And let's not forget the killing they are making on the interest rates that they are charging us now. Yeah, maybe I shouldn't be using credit and the interest rates are part of the deal, but seriously...they don't need to jack the rates and lower the credit limits.

I wonder how many of us feel that we're doing the best we can to get by and it just isn't enough. We cut back, cut down and cut out and we just can't seem to get a break. It's very frustrating!

Ya know...I'm really tired of feeling like we're gettin' screwed.

Yesterday, I got a bill from one of the credit cards that we use. The payment amount has gone up substantially. I looked at the interest rate and it has jumped to 18.99%. Last month, it was 11.24%. Naturally, I was like "What the hell?!" And called Citibank. Apparently, in MAY there was a change in terms notice included with the bill. We had until July 31 to either accept the new interest rate or opt out. Opting out would then freeze the account at the current rate, but after the card expires, we could no longer use it. Basically, if we opt out, we can't use the card any more but we'll still have the lower rate on the balance on the card.

What a crock of shit! As if they're doing us a favor by letting us "opt" out. Who the hell reads those notices anyway? I'm SURE they know many people do NOT read those things, pretty much guaranteeing that they can go ahead and raise that rate. If you send me something separately from the bill, I'm more likely to read it.

This isn't the first card that has been messin' with us. Just last month, our Costco American Express card limit was significantly lowered. And this is a card that we have occasionally paid down. At least they called and told us they were doing that. Although it was a RECORDED message that told us. They also sent us a letter. So, that was nice of them. But in the letter, they claimed that hard times had fallen on them and tough decisions had to be made, therefore they were lowering our limit. Again...what a crock of shit! (hmm...maybe I should change the title of my note?)

Seems like all the banks are changing terms one way or another. I know it's because of the new credit card law that is going into effect in 2010. Chase has lowered our limits too. In their letters, they have printed lies about our credit. Stating that we have some kind of derogatory items, yet when we checked our credit reports...absolutely nothing bad listed on it. No lates, no missed payments, no nothin' bad no where.

What's really frustrating is that we can't seem to get a break. We take care of our responsibilities, pay our bills, etc. When we try to be proactive and try to be responsible and work with the banks to get some help, we get denied. It's like you have to already be IN trouble and not trying to STAY out of trouble before you can get any kind of relief. But, I guess that's how the banks got their bail outs, right?

Hi, This hunk of man is my husband:

He made this blog site for me after I saw his and thought how cool...I want one! Even though I have a blog on Blogger, but this is cooler. This is in Ebertworld. ;)