Credit Card Fraud
The call caught me totally by surprise, so much so that I suspected that the call was a scam.
The caller asked for my husband or me by name, and asked if we had charged two thousand plus on our card. Ummm. . . nope. That card is now closed down.
I suppose the good news is that our credit card company has such excellent security that they identified the fraudulent charge immediately.
The bad news is that we have had this card for a long time, and I have the number memorized. There have been a couple problems previously, small things. One time I found some calls to a phone sex number. They showed the number the calls were made from; I called that number. The woman who answered assured me that no calls were made from that number to a phone sex number because her husband had promised her he wouldn’t do that any more. I called our credit card company, told them what had transpired, and my account was not charged for the calls.
Another time, the company called and asked me if I was trying to make calls to Nigeria using my credit card. Nope.
But this time, their solution is that the card has to be shut down, and new ones issued. Oh aarrgh. I will have to memorize a new number.
Our credit card company’s security division never asked for any information a scammer would ask, like the security number on the back of the card, the expiration date – none of that. They already know that information.
Pray – then Listen
(Warning – this is religious based musing; if that is offensive to you, skip this post 🙂 )
Jesus often used the phrase “if you have the eyes to see” and “if you have the ears to hear” after telling his listeners a metaphorical story.
Yesterday, AdventureMan and I had another huge surprise. We filed for a tax exemption, and we were told that for this year, the previous exemption would hold, and then next year, our exemption would start. You would think that might be bad news, but in our case, the previous owner had all kinds of wonderful exemptions, and in a year with a lot of expenses, not having a huge property tax bill sounds really good to us.
“Humd’allal!” I said to AdventureMan as we left the building. (Thanks be to God!)
When we knew we wanted to retire this year, we began praying about it together every morning before AdventureMan headed off to work. We specifically asked that God be in every detail of the move – and as you can imagine, a move back to the USA from Qatar has a lot of details. It was more complicated than “just” a move. We had a huge storage shipment which needed to meet up with us in Pensacola, a cat that needed to come with us. We needed to buy a house, and to do that, we had to sell a house, and we needed to buy cars, and basic household appliances; we needed to start up all over again with groceries, and with cleaning supplies, and gardening supplies, and the most basic items you take for granted every day in your well-established lives. There were a LOT of details, an overwhelming amount of detail, and, by the grace of God, every detail was covered.
Some details, like the total rewiring of our house, may not seem like such a blessing, but, by the grace of God, we had the money to cover the need, and we are glad we could get the rewire done before moving in, and we are really really glad not to have to worry about fires happening in our electrical system. If and when we need to sell this house, having had it rewired helps its salability, too.
Some people might call it good luck. We don’t think so. We think it is God, answering prayers, in control of all the details, and blessing us in ways we can’t even begin to imagine. Every now and then, we have “the eyes to see.”
Kuwait or Qatar or Pensacola?
Showering after my water-aerobics class, I could hear voices discussing a local political-social situation. A benefits agency has groups of families working in it, and they know all the tricks. They know how to insure more of their own family members hired, and they know how to help all their family members (and friends) take advantage of all the entitlements.
Expats abroad call it nepotism, and scorn it as a third-world corruption. In truth, it happens everywhere.
There is an ongoing schism taking place in Qatar and Kuwait, countries that have been gracious and welcoming to me. The nationals of Kuwait and Qatar control citizenship carefully. The citizen base is about 20% of the population, on a good day. The rest of the population are people who are in Kuwait and Qatar to work. Most there to work can never hope for citizenship. For many, the poverty in their home country is so brutal that no matter how hard the working conditions, at least it is a salary, and they can send something home so that, literally, their families can eat. They dream – like we do – of educating their children so that they will have a better, more secure life.
Here is the problem. When 80% of the population is NON-Kuwaiti, or NON-Qatari, your country starts to change. One way in which things have changes is that in a very short time, the highways have gone from very quiet to gridlock, due to a dramatic increase in drivers and cars. In Qatar, the situation is made worse by nationalization of the taxi service, resulting in so few taxis that hotels now use private limo services, because finding a taxi at peak times is near to impossible.
That’s one issue. The second issue is language. Imagine your elderly parents going into shops to buy something – in their own country – and the clerks don’t speak their language. As they are stumbling and bewildered, some noisy “workers” walk in, state their needs, are understood, conduct their business and exit before you even get served. This is happening in Kuwait and in Qatar; everyone is speaking English. In a country where the workers are Indian, Nepalese, Philipino, Saudi, Yemani, Omani, Lebanese, Syrian, French, Dutch, English, Australian, South African, American (and about thirty or forty others) the common language has evolved to be English, not Arabic.
How do you think you would feel if it were happening here? If the great majority of cars on the road were not “us” but “guests” in our country? If the clerks in stores couldn’t understand what you want, because although they are in your country, they don’t speak your language?
Another problem is what to do with the huge, disproportionate number of geographically single males brought in to work as builders, cleaners, heavy equipment operators, dishwashers, drivers, security guards and other fairly low-paid positions? In Kuwait and in Qatar, non-married sex is strictly forbidden, even holding hands in public is considered an affront to morality. These men are banned from malls where families might gather, and from other public places. Their existence is grim, and they often find themselves unpaid, or paid far less than they were promised for their labor.
Last, but not least, this very modest Gulf culture has people – foreign guest workers – parading themselves on their streets in various states of undress. Think about it – that’s how we look to them. We have no shame. We bare our faces. We flaunt the glory of our uncovered hair. Sometimes a shawl might drop and a glimpse of bare arm or even a hint of cleavage might shock the modest eyes of a believer.
In Pensacola, there are also fundamentalists who wear long skirts, long sleeves, and determinedly modest clothing. I wonder what these believers think about the skimpy clothing on the beaches, or in the malls?
Coming home has been a real eye opener. It was easy for me to be critical of things I saw in Qatar and in Kuwait. Coming home, we joke all the time about “Kuwaiti drivers” here in the US, but the real joke is – they sure look a lot like us.
Last week, we saw a man here make a U-turn right in the middle of the road, and rock as he tried to regain control of his truck, and almost blast right through a red light he didn’t see. The back of his truck was down, and items loose in the truck bed were heading toward the highway – fortunately he figured that out, and last we saw, he had stopped to fix his rear door. Maybe he wasn’t sober. Maybe he had had an argument with his wife or boss or someone and was not paying close attention to his driving. All I know is that we have seen a goodly number of inattentive drivers here, too.
When a bureaucracy gets corrupted, when the rules are not applied equally to all, when select groups get favored treatment – here in Pensacola, at the immigration department in Kuwait or in the traffic department in Qatar – everyone suffers. It’s a political problem, a social problem, and a systemic problem. God willing, if we are truly evolving as a species, we will find a way to create truly fair and transparent systems which will work as they are ideally intended to work.
It’s on us. We have to make it happen. We have to want it badly enough to make it happen, even making sacrifices for the greater good.
I don’t have any answers. I don’t know how to make us better people that we are, how to make ourselves make the right choices. I do know this – whether it is a tiny village in Germany, or an eagle’s aerie in Kuwait, or the lush life of Doha – we are all more alike, and share more similarities and problems, than we are different. If we could only learn to see through one another’s eyes, maybe we could find ways to resolve our differences and learn to cooperate.
Garden Gate Nurseries
We’re new, but new-with-a-difference, as we have had so many good people to help us with all the decisions that come with settling in. Today, we spent most of our day exploring health care options. We are so lucky to have a military health plan that will cover most of our needs, but it is a bureaucracy, and our daughter-in-law’s step-father helped guide us through the channels, and introduced us to people who could help explain the benefits and rules. Today we searched out doctors who might work with us. At one point, I told AdventureMan, “the problem is, if they are available, I wonder why? Like maybe all the really good ones are taken?”
Our therapy is thinking about gardens, working on our gardens, and exploring ideas for how our yard should look in the future. Again, our daughter-in-law knew just the right person to help us out, and introduced us to Garden Gate Nurseries, a little piece of heaven on earth.
Garden Gate Nurseries specializes in educating clients as to what grows well in the Pensacola / Gulf Coast Climate, how to enrich the soil, which plants are particularly drought resistant, salt resistant, which attract butterflies, or hummingbirds, etc. You don’t just plonk things in the garden, you make a plan, and work little by little to accomplish that plan.
A visit to Garden Gate Nurseries is like a foretaste of Paradise:
They have herbs and vegetables, plants that love the sun and plants that love the shade, and trees, fruit trees, flowering trees, and some wonderful and unique hand crafted gifts and garden-friendly items in their gift shop.
Best of all, they have a landscape designer, Carole Simpson, who loves gardening, gets her thrills from incorporating your dreams into her designs, is thoroughly knowledgeable about growing things in this climate, and on top of all that, is gracious and kind and generous with her time.
Garden Gate Nurseries / Carole Simpson Landscape Design
3268 Fordham Parkway
Gulf Breeze, FL
850-932-9066
Scary Phishing
I received this letter today from Bank of America:
Dear Customer,
We have received an order by phone from you or someone other than you to make changes to one or more of your Bank Of America Online Banking Profile.
If you did not authorize this change(s) please Sign On to your Bank Of America Online Banking and verify/cancel this change.
Sign On below and verify your details and ensure to be accurate. Also, note that entering invalid entries to your details will lead to Online Account lock down.
For your security we have issued this
Click Online Banking Sign On . (this was in hypertext)
Kind regards.
Security Advisor,
Copyright 2010 Bank Of America. All Rights Reserved.
It had the right logo, and purported to be from secureonline@boa.us.
OOps! I need to deny the changes were made by me? Just click right here?
No no no!
I forwarded this e-mail to:
abuse@bankofamerica.com
Who replied with a letter confirming that it was, indeed, a scam.
If you get letters like this pretending to be from your bank, do not click on anything in the letter, but go online to your bank’s online fraud section, get the e-mail address and forward the letter to them. The banks are fighting a bitter battle to protect their customers, and the sooner they know the newest scams, the sooner they can scourge the earth to eliminate these monsters, who will steal your identity and your property and your cash if you let them.
Oil Spill Moving Towards Land
You can follow the oil spill movement on this interactive map from usatoday.com
There are lots of meetings. The answer to most questions is the same “I don’t know.” “We don’t know.” Fishing has been banned in the Gulf areas where the oil spill may have effect.
Hell
Hell is unwrapping household goods when every tiniest piece is wrapped in a whole sheet of moving paper. Every spoon. The stopper for a crystal decanter. Every single piece, individually wrapped. It is endless. . . .
It is also why I do so much of my own packing. That, and finding my muddy riding boots packed with my formal gowns.
An occasional mover cares.
Most movers are casual labor, insufficiently supervised. Things can disappear.
This move is in waves, and we are in the biggest wave right now, the goods that have been in storage for 12 years. It had gone well, but we think some things are missing. Also, some serious pieces of furniture are incapacitated. One in particular, a china cabinet, handles the gazillion pieces of china and crystal collected through years of Army wifedom, but lost a foot. You can’t store china in a very tipsy cabinet, and I don’t know how we are going to get it fixed. Meanwhile, how to store all these pieces???
Aarrgh.
We are just taking a break before we submerge into the world of putting things away again. Aarrgh.
Tax Day Tea Party in Pensacola
We don’t really understand the Tea Party. It is clearly against Obama, but then again, it is clearly the party of “against” and it is hard to find anything it is for. This is a problem; it is easy to tear down, and it is a lot more difficult to create – to formulate solutions which will provide benefits for the majority of participants.
As we were approaching our hotel, we saw this huge crowd of ‘protesters’ who appeared to be partying. But every sign was different! As 15 April is Tax Day, the day our income taxes are due, maybe about 10% were carrying signs that had to do with taxes, preferably NO taxes. The rest of the signs protested other things – constitutional amendments (what – women voting? black people being counted as full people? the repeal of prohibition?), no abortion, putting God first – it was a total potluck of causes.
The weather was mild, the sun was shining, there was a breeze – great day for an incoherent protest, LOL. I took pictures from the safety of our car, although everyone seemed very friendly:
Here is what cracks us up. Pensacola is a highly military reliant community. There is a huge military presence here, from Eglin Air Force Base to the Pensacola Naval Air Station. Pensacola is glad to have the military business. So where do they think the money comes from that pays the military salaries, and thus, gets spent in their economy, at their businesses? Few Americans have saved enough to comfortably retire, who do they think is contributing to their Social Security support, and Medicare, and Medigap? Tax dollars! Who do they think supports public education, and guarantees law and order? Who do they think runs the justice system? Who do they think provides emergency fire and medical services? Tax dollars! Who builds and maintains the roads and bridges, insures safety in our food supplies, construction and medicines? Our government, supported by our tax dollars!
Do I like paying taxes? No! Not one bit! But in the interest of the greater good, we pay our taxes honestly, and thank God to live in a society with order, thanks to our tax dollars.
The ’50’s Automatic Car Wash
Not too far from where we will live is this old fashioned car-wash, with all these car washing machines.
It costs $5.00. That is it. No additional taxes, it is all included. You can get the fancier treatments, but I just needed to get the pollen and sap off my new car. Within seconds, I was in, and finished.
It could make you a little claustrophobic (well, it makes me just a little claustrophobic) because you have NO control! You have to keep your hand off the steering wheel and your foot off the brake! You just sit there while water shoots from different directions, and then you are covered with soap suds and you cannot see a thing except the lights from the car in front of you, oh no!
And then huge gusts of wind and it is over except for the optional – and free – vacuums you can use to clean out the car interior.
My car looked like new! I think me and the 50’s car wash are going to be good friends.
It does remind me of the automatic car wash we used to visit in Saudi Arabia. In a country where labor is cheap and the harshness of the weather and climate makes specialized machinery hard to maintain, things happen. We don’t know if the machines broke and couldn’t be fixed or whether they were sabotaged, but while it was billed as an “automatic” car wash, it was this thing where the car got on tracks but while water squirted and suds squirted, there were people, not brushes, with rags and towels, washing, drying, spraying, scrubbing and finally buffing. The end result was the same, but people, not machines, did the work.
Pensacola Navy Exchange and Customer Service
One of the things that totally blows us away in the United States is customer service. Every now and then you run into bad customer service and it is so noticeable because most of the customer service is so GOOD. It is so good so often that you take it for granted, if you haven’t lived in countries where sometimes they treat you like you are lucky they notice your existence and maybe you aren’t good enough for their product, LOL!
I have a sweet, very elegant Indian friend in Kuwait. One time she told me she wanted to buy a beautiful pen for her husband, but when she went to the store, the man behind the counter didn’t want to show her the pen she wanted – because she is Indian. She said “here he is, working behind the counter, and he treats me like he doesn’t think I can afford to buy the pen I want to look at!” How insulting is that??
Oops. I digress. Sorry.
We decided to check out the Navy Exchange in Pensacola. Pensacola is a big military retirement area. It is a beautiful place, beautiful white powdery sands, green to turquoise to blue to purple waters, green palms and trees and right now azaleas blooming everywhere – many military people think it is heaven on earth, and come back to retire here. It’s a fun place, the Blue Angels practicing on Tuesday and Wednesday mornings; you can hear them thundering through the skies and over the Gulf, practicing their moves.
We get to the exchange (the souks, for my Gulf readers 😉 ) I am disappointed – it’s small. There is another building, but it is also small, and I am looking for big appliances, like a clothes washer and dryer. As we are leaving, a store guy asks us if we found everything OK, and we said ‘no, not really’ and he listened to us and then laughed and told us we were at the wrong place, and he took his time to tell us how to get to the right place, and to make sure we understood.
When we got to the right exchange (and it is HUGE!) there were lots of parking places – I love this place. We parked next to a reserved space. There are lots of reserved spaces – remember, this is a military base. The commander of this, the commander of that, a space for flag officers (generals) and then . . .this space. It gave me a big grin. And there are TWO of them, right in front of the Naval Exchange:
In my seven years in the Gulf, in Qatar and in Kuwait, I saw some amazing changes, including going from total disregard of handicapped spaces to increasing respect for the handicapped spaces. Wouldn’t it be cool to have a couple Expectant Mother spaces reserved in front of the Co-ops, and maybe in front of Toys R Us, and the hospitals?
Once inside, I was looking at washer and dryers, and a lady asked if she could help me. I said no, but then I couldn’t find the ones I was looking for, the ones recommended by Consumer Reports and I saw the lady behind a counter so I asked her. She said if we didn’t see them, we could order them, looked them up and told me the price, which was only minimally lower than I had seen them off base, except that on base we don’t have to pay the sales tax, which would make a difference.
But then, she started telling me more. Right now, we could take off 15% for this sale, and get a $50 mail-in rebate (better!) but if I could wait to order until April 12, the price would be 20% off for three days (woo hoo, even better!) AND if I used my Navy Star card for the first time, I could take an additional 10% off anything I purchased on the first day (WOOO HOOOOO, better and better!)
We are about to set up an entire household in a country where we haven’t lived for 12 years. We need EVERYTHING. We’ve been saving, so this isn’t going to put us in debt, but it’s like God just handed us this huge gift when he sent this woman our way to explain how it all works. So I applied for the credit card and was instantly approved, and I asked if I should put AdventureMan on the card and she laughed and said “no!” because what if we wanted something else BIG down the road, then he could apply for his own card and we would get the 10% all over again.
Now, my friends, THAT is customer service. What a woman!
Washer
Dryer
Vacuum Cleaner
2 Plasma TVs
wireless BlueRay/DVD player channels Netflix
All-in-one fax/scanner/printer
etc.
We are going to save a bundle.
First, AdventureMan is coming with me to our Water Aerobics class at the YMCA. He has toured the Y, met the instructor, and no longer thinks this is going to be ‘girly’. From there, we will head for the NEX (Naval Exchange) to make our purchases and place our orders.
Next week, the major start-up grocery shop. Imagine, starting your kitchen once again from scratch. No, I have pots and pans and tools, but the basics, from salt and pepper, through olive oil, flour, sugar, etc . . .everything. oh, AARRGH.















