Showing posts with label sunrise. Show all posts
Showing posts with label sunrise. Show all posts

18 September 2009

Friday Wrap-Up

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Good news on Cam's back injury. He has healed quite well - pain free for the past two weeks - progressing well with his physical therapy. The doctor says he can go back to "light" practice on Monday.

Anyone else think that's a bit of an oxy-moron? Light football practice? We aren't talking no pads light ... no, he can wear full pads and practice "light." How much compliance do you think I'll get from Cam on that? How 'bout compliance from the coaches?

I'll admit, I'm a bit apprehensive about Cam's return to football, but he has been so supportive of the team during this last six weeks - attending all practices - attending all games - he earned this second chance. Hopefully he can get through it without breaking something!

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My bank has changed it's debit card practices. It now issues NSF fees based not on the actual balance on my checking account, but on the available balance. The available balance is the amount in the account that has been "promised" but not paid. So, if I go to the market at 9:30 the night before payday, use my debit card for the groceries knowing that my payroll will be direct deposited at midnight,if that purchase puts me at a negative PENDING balance, I'll be assessed an NSF fee EVEN THOUGH the money won't be paid to the market until the following day ... when funds WILL BE available. This was a $105 lesson.




And the kicker? When I log on to my bank account, the default screen is to the actual balance of my account, not the available balance. In this instance, the default screen showed money in my account, but when I clicked on the little, obscure link way up in the left hand corner of the screen, it showed my available balance to be in the red.

I wasn't happy. Right now $105 is a TON of money for me and I think the bank's practices here are - at best - misleading, and bordering on fraudulent. The issue here is that the money is still in my account - it hasn't been paid to the vendor - it hasn't left my bank nor my bank account - yet the bank is assessing an NSF fee?

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Have I mentioned that I am a morning person? I'm one of those obnoxious people who wakes up in a good mood ... at 5:00 AM! My take on the start of the new day is that it hasn't been spoiled by my actions or inactions. It's a fresh start. That's why I'd rather watch a sunrise than a sunset any day, and this one was beautiful!

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