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.”
Rise in Single Teen Age Mothers in US
Excerpts from new study out from the Center for Disease Control and Prevention found on AOL National News are below. To read the entire article, and for a link to the original report, click on the blue type above.
(June 2) — Attitudes among American teens about birth control, sexual activity and pregnancy have remained largely unchanged since 2002, according to a new federal report.
Stalled progress is bad enough, but some subtle changes also have experts concerned.
Most notably, more teens than ever are using the “rhythm method” to prevent pregnancy, and a growing number of teen girls approve of underage childbirth. . .
After dropping steadily for more than a decade, the teen birth rate in the U.S. rose between 2005 and 2007. Compared with other developed countries, the U.S. posted the remarkably high rate in 2007 of 42 babies per 1,000 teen girls. In Canada, by contrast, only 13 babies are born per 1,000 teen girls. . .
Laura Lindberg, senior research associate at the nonprofit Guttmacher Institute, speculates that the growing number of glamorous celebrities bearing children — especially as single mothers — is having an impact on the attitudes of America’s youth.
(Article contributed to AOL by Katie Drummond)
Hurricane Season Begins Today
As if the oil spill isn’t enough, today is the first day of hurricane season.
The hurricane guide tells us to have three days worth of food and water stored to get people through a hurricane and its aftermath – loss of electricity, highways blocked with fallen trees, etc. We have a safe room, a large closet next to an outside wall. We have a 7 gallon water storage container, and matches. I’m still working on the rest; I don’t want to be one of those running to the supermarket the day the hurricane might hit.
The good news – for us – is that we did not buy a house in the evacuation zone.

You cannot imagine how seductive some of these houses are. We had assumed we would buy a house on the water. Our beautiful 10th floor apartment on the Arabian Gulf in Kuwait gave us a taste for an endless water view, and that’s what we were looking for:
Every house on the water faces the possibility of serious damage in a hurricane. Two of the houses had damage from Ivan, one had ongoing damage from the dampness of being adjacent – well, almost inside – the wetlands. The wetlands are encroaching on two of the properties. One house, we totally loved. We could see ourselves living there, even facing the danger of hurricanes. That is, until we visited the basement, felt the humidity, saw a rotting pillar and realized we would face an unending battle with rot. The doorframe to the outside was rubbery with dampness:
It was a real blow to us giving up our dream.
On the other hand, it is a relief, now, knowing we are not in an evacuation zone.
There are no guarantees against a direct hit by a hurricane. All we have done is improved our odds, somewhat, which is about the best you can do when you live in a hurricane zone.
Grilling at Garden Gate Nurseries
Late Friday, we saw a notice in the paper that there would be a class on grilling vegetables held on Saturday at the Garden Gate Nursery. Any excuse will do; AdventureMan calls and finds there are still a couple slots available and we sign up.
Oh what fun! The teacher, Kim, was clever and entertaining, and best of all, she has a gift for imagining what flavors will go together if fresh ways. We learned how to grill corn-on-the-cob which is plentiful right now in the Florida markets, and how to grill pineapple, with an orange sauce, fabulous over ice cream.
Garden Gate is so clever, combining gardening and growing and grilling, but also, they are coming up with classes on how to manage the vegetables and fruits that you grow – cooking with basil, iced courses made with exotic and unexpected ingredients, new ways to utilize all those zuccini and tomatoes . . . Well worth the drive. 🙂
GMAC Rates American Drivers
This is an excerpt from Worst Drivers in America By State on AOL’s Wallet Pop:
GMAC’s sixth annual survey quizzed more than 5,200 licensed Americans from across the country on their driving knowledge and New York drivers fared the worst for the second year in a row, with an average score of 70 percent. That’s more than six percentage points below the national average score of 76.2 percent. New Jersey residents shouldn’t laugh too loudly at their neighbor’s expense. Garden State drivers finished second to last. Kansas, on the other hand, proved to be the best place to drive with a score of 82.3 percent. Oregon, South Dakota, Minnesota, Iowa and Nebraska drivers were also among the best performers on the survey.
Overall, though, the findings were pretty dismal. The study found that “nearly 1 in 5 licensed drivers — roughly 38 million Americans — would not pass a written drivers test exam if taken today.” A whopping 85 percent could not identify the correct action to take when approaching a steady yellow traffic light (hint: it involves the brake pedal). Many drivers also remained uncertain about safe following distances.
Nationally, the average score slipped from 76.2 percent from 76.6 percent. “When analyzed regionally, the results reveal that drivers in the Northeast may not be as road-rule savvy as their Midwestern counterparts,” according to GMAC’s press release. “The Northeast had the lowest average test scores (74.9 percent) and had the highest failure rate (25.1 percent). The Midwest region had the highest average test scores (77.5 percent) and the lowest failure rates (11.9 percent).”
Some other notable trends: Older drivers outperformed younger ones and men did better on the test than women but also flunked it at a higher rate. One-in-four drivers admitted that they did “distracting behaviors” such as selecting music on their iPhones, applying make-up or reading, though only 5 percent admitted to text-ing while driving.
(See full article from WalletPop: http://srph.it/ahqOZM)
2010 GMAC Insurance Driver’s Test Results
(Ranked in order of worst drivers by state to best drivers by state)
Scoring is from 1 to 100 on a 20 question test.
1. (WORST) New York – 70.0
2. New Jersey – 70.5
3. Dist. of Columbia – 71.9
4. California – 73.3
5. Rhode Island – 73.8
6. Louisiana – 74.1
7. West Virginia – 74.8
7. Hawaii – 74.8
9. New Hampshire – 74.9
9. Kentucky – 74.9
11. Florida – 75.2
12. Mississippi – 75.6
13. Pennsylvania – 75.8
13. Massachusetts – 75.8
15. North Carolina – 75.9
15. Arkansas – 75.9
17. Texas – 76.0
18. Connecticut – 76.3
19. Illinois – 76.6
20. Georgia – 76.7
21. Alabama – 77.1
22. South Carolina – 77.2
23. New Mexico – 77.3
24. Virginia – 77.5
24. Ohio – 77.5
26. Maine – 77.6
26. Delaware – 77.6
28. Colorado – 77.8
29. Utah- 77.9
30. Vermont – 78.1
30. Nevada – 78.1
32. Maryland – 78.2
33. Tennessee – 78.3
34. Wyoming – 78.4
35. Arizona – 78.5
36. Missouri – 78.8
37. Michigan – 79.0
38. North Dakota – 79.1
39. Oklahoma – 79.3
40. Wisconsin – 79.4
40. Washington – 79.4
42. Alaska – 79.8
43. Montana – 80.0
44. Idaho – 80.1
45. Indiana – 80.4
46. Nebraska – 80.5
47. Iowa – 80.8
48. Minnesota – 81.1
49. South Dakota – 81.2
50. Oregon – 82.1
51. (BEST) Kansas 82.3
See full article from WalletPop: http://srph.it/ahqOZM
Florida – where I am living now – is the 11th WORST state in the nation. . . .
Emir Pardons Saudis for Failed Coup Attempt in Qatar
Has there ever been any other mention of the failed coup attempt? Is the the one that was purported to have taken place late last summer?
Emir pardons Saudi prisoners
The Peninsula
Doha: In response to a desire by the Custodian of the Two Holy Mosques King Abdullah bin Abdulaziz of Saudi Arabia, the Emir H H Sheikh Hamad bin Khalifa Al Thani has issued an Emiri decision pardoning a number of Saudi nationals sentenced for their involvement in the failed coup attempt to destabilise security and stability in Qatar.
Those released left the country yesterday accompanying the Saudi Deputy Commander of the National Guard for Executive Affairs, Prince Mit’ib bin Abdulaziz, an official source at the Foreign Ministry said in a statement.
The Saudi king later expressed his profound appreciation of the Emir’s decision. The king praised the strong relations of kinship and good neighbourliness that bind the people of the two countries.
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.












