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In your favor.
I’m no stranger to bad weeks, but this one stands out in recent memory as one of the absolute worst. I’d call it karma, except it all started when I tried to do the right, honest thing, so maybe I attracted the negative attention of the prankster gods out there with my good intentions.
Right. Here’s what happened:
Monday, while going over weekends expenditures and reconciling my bank statement, I discovered a $60 discrepancy. Simply put, $60 was missing from my account, and for no good reason. I called the bank and spoke with a rep who said that it appeared to be a cashed check. This immediately set off alarms since neither myself, nor Erica, had cashed anything recently. Unfortunately they could not give me any information about the check since it was still in the clearing process. “But don’t worry,” said the rep. “It’s just a $60 hold. That money will come available in your account after midnight.”
And it did. Along with a $1063.98 deposit that we didn’t make.
I’ve read stories about this happening to folks. Inexplicable bank errors that provide needy folks with sudden windfalls of cash. In some states it’s on the bank’s head; in others, you’re liable for not reporting it and can go to jail if you spend it. I wasn’t willing to take that chance. The weird thing, though, is that the deposit slip had Erica’s name on it, along with our account number. The date on the slip, however, added to the confusion: the deposit was made on Saturday when we weren’t anywhere near a bank. In fact, I haven’t set foot in my branch in over a month. My checks are deposited electronically, and when I need cash, I go to the ATM. These details ruled out fraud. I know scammers will deposit a few bucks to see if an account is live, but over a grand? That’s a little far-fetched.
Tuesday I called the bank again. It took almost six hours to resolve the mess, ending with a revelation of banking ineptitude. Apparently there’s a woman out there who share’s Erica’s full name. Our account numbers, however, are drastically different, but when the teller accepted this woman’s deposits (one of which being a US stimulus check) she pulled up her account by name instead of a social security number. The teller applied the money to the first account that popped up - which would be ours. The person with whom I spoke assured me the situation would be corrected and the teller reprimanded. I was led to believe this isn’t the first time it’s happened with this particular teller, so I didn’t exactly feel sorry for the person. I hung up the phone satisfied and content that it was all squared away.
Then Wednesday came along and pulled the rug out from under me. I checked my account and discovered the bank had deducted the funds twice. This left me overdrawn for the first time in my life, with bills pending along with a bunch of other purchases, all of which were now liable for $33 overdraft charges. Each. Yes, had the overdraft charges taken effect, I would’ve owed the bank over $300 in fees. I actually sat at work for two hours off the clock trying to resolve the issue, and it was with the help of an amazing customer service rep named Jennifer who went to bat for me, contact the branch, and go them to reverse their error and waive all of those fees.
The other woman got her money back (as far as I know). My account’s back where it should be. My bills have been paid. I’m going tomorrow and opening an account with a credit union. Once everything’s squared away with that, I’ll be closing my current account. It was rather scary, being completely penniless for two hours; what’s worse is knowing that it wasn’t my fault at all, but the fault of carelessness.
So yeah. That was my week. Combined with the record heat and humidity, I’m feeling quite drained at the moment. I just hope weekend’s better. Have a good one, folks.
Until next time,
TK
Men at work.
A strange thing happened last Friday night. I was up later than usual, roughly around 1:30 AM, so I guess it wasn’t technically Friday night but very early Saturday morning. Erica was fast asleep. I was up playing a few games of Call of Duty 4 to tire my eyes; once I was finished I went through the nightly teeth-cleansing ritual, turned off all the lights and electronics and wandered into a dark bedroom. We’ve lived in this apartment for a little over two years now and, in that time, we’ve grown used to the usual sounds, from late night traffic on the street outside to the trains that go by a couple of miles away to the clatter and clang of the restaurant kitchen next door. We’re even used to the weird stuff, like objects moving, things falling, and animals inexplicably appearing.
You might say that we’re settled. So when I went to bed that night, the sound of a garbage truck immediately caught my attention. Our apartment complex has a single dumpster. It’s the kind with brackets on the sides so it can be lifted with a front-side forklift. Now, the restaurant next door has a regular dumpster, which means they require a different type of trash truck. I have no idea whether we have the same waste management service, but I do know that the garbage is picked up usually Wednesday or Thursday morning around 6 AM. Now here it is, 1:30 AM Friday night/Saturday morning, and there’s a garbage truck picking up the restaurant’s trash. Maybe I’m a little paranoid just like Tom Hanks’ character in The ‘Burbs, and I’ll be the first to admit I’ve got an overactive imagination, but the garbage being picked up that late, on what is basically a weekend, seems a little odd to me. I go over to the window, pull back the curtain and watch.
The restaurant dumpster is about 50 yards away (if that), and the truck is silhouetted against street light affixed to a garage across the street. Two guys (presumably the garbage men) are standing at the dumpster. They seem to be talking. One is holding a bag of garbage. He passes it to the other. One shrugs. They continue talking with lots of hand gestures. Then they reach in and grab another bag. It’s held up, spun around, and stared at for a few minutes, before being set on the ground. This continues for at least twenty minutes. Each bag is scrutinized and deliberated upon. Unfortunately my weariness overpowered my curiosity and I went to bed, but I’ve been thinking about that odd scene for days now. I’m not a garbage man, nor have I ever been, so I don’t know what goes into the waste management arts, but I have seen them pick up garbage from time to time during the last several years, and they’re usually in too much of a hurry to give a damn about what they’re tossing away, much less discuss each and every bag. And then there’s this whole picking-up-the-garbage-during-twilight-hours thing that just gives me all sorts of bad thoughts. It’s my personal fear that, some day soon, I’ll see a local news report about a person who disappeared from my area and hasn’t been seen since last Friday.
Okay, Todd, that’s enough. See? Overactive imagination. Maybe I should become a writer.
TK
Epic fail.
I came across this via BoingBoing today and it started the thought-train chugging through my head, so I thought I’d pass it along to you. I think it’s something that should, at some point or another, cross your mind regardless of where you are in life. It’s about self-reflection, about your goals, your drive, and so on.
And it concerns J.K. Rowling.
Those of you who know me personally also know that I don’t care for J.K. Rowling. Not her as a person, but her work, and while I found the first Harry Potter book entertaining and well-written, the second one put me to sleep and I quit while I was ahead. And frankly I think I’m just sick of all the Harry Potter crap rather than just Ms. Rowling herself, but I digress. After reading and watching her Harvard commencement speech, I’ve a newfound respect for her, as a person.
If you still haven’t clicked either of those links up above, stop reading this and go read. I’ll still be here when you get back. So go.
. . .
Done? Good. I want you to think about your failures. I don’t know about you but, after reading the transcript (and later, listening to the audio), I started thinking about my own failures, and not just the ones concerning writing, but in life. And you know what? The woman is absolutely right. I may be sick to death of her literary creation and the mobs of hysteria surrounding it, whether positive or negative, but she’s got an honest-to-God point here, and I think it’s something every human being should think about.
When I was 18 I thought I’d be a successful author by the time I was out of college. I thought I’d have two or three good novels under my belt by then, raking in the dough from royalties and promotional events, so what would be the point of getting a focused degree, right? Sure, I was a writer, so I’d major in English – but teaching? No, no way, not me. I’d had enough of school as it was, so why go to the expense of money and time in order to remain there indefinitely? So English it was.
(As I typed that, I looked up at my framed English BA. It looked back with mocking approval.)
Let’s fast-forward seven years. Here I am, working a day job that, while I enjoy it, isn’t something I want to do for the rest of my life. I owe money on a car that isn’t the apex of “cool” (it’s a four-door Saturn, thank you, and it’s the best fucking sedan ever). I tune into news outlets like CNN. I drink coffee on a regular basis. Shirts of color other than black have started to permeate my closet (but within reason – darker, earth tones only). I call up my best friend from time to time to bitch about, of all things, the weather and gas prices. I’ve become the antithesis of who I thought I’d be at 25 and, in the eyes of my 18 year old self, I’m a complete and utter failure.
When I was 19 I wrote a pretentious novel about a wise-ass high school student who toiled away working a corporate retail store called Mr. Smiley’s. I thought it was the greatest thing I’d ever written because everyone I knew loved my first book. I thought I was being edgy, witty, and a shoe-in for first place in my uni’s writing contest. It was my masterpiece, you see, and I was already working on its sequel, a Dickens-length opus about pranks and mischief in my home town.
Naturally that second novel was the biggest piece of shit I’d ever written, through and through, and it didn’t place at all in that contest. It put people to sleep when I read it to them and that’s no lie or exaggeration. Its sequel died seventy pages in, and justifiably so. I didn’t write anything for about a year after that novel died. I’ve since deleted it, and thrown away just about every trace of its physical existence, though I suspect my mom still has a copy squirreled away somewhere. The other novel, all seventy pages of it, is gone and erased forever, and good riddance to that.
At some point during the last year and half of college, I started to wise up. I was humbled by my peers and the professors I respected with scathing critiques. I bit my cheeks rather than retort at the typical response I received from folks upon learning I wanted to be a writer: “Well, you can always teach, right?”
I thought I’d be set in four years, without having the slightest idea how the industry worked, or that it was even an industry at all. Those were halcyon days with sparkles in my eyes and big plans on the horizon. And then I failed miserably.
If I have a point, which seemed so great in my head but now seems to have strayed so far from Ms. Rowling’s own speech, it’s that I’m still chugging along even after slipping through the cracks of every hope I had for myself. Like Ms. Rowling, even after hitting bottom, she kept writing. This past Fall I found myself unemployed for a brief period of time, and during those two weeks I was scared to death – not just for my immediate self, but for Erica, our future together, and my own future. I wasn’t homeless, I didn’t starve, and even though the money was starting to run out, I briefly felt what it was like to be there at the bottom, and the hell of it was, that wasn’t even the bottom. Not by a long shot.
But I learned from it. I think about that moment of time every day. I think about where I am right now and, even though the future is always uncertain, it’s a heck of a lot better than it was seven months ago. I’m still writing. And even though ALT didn’t do as well as I’d wanted it to (another epic fail!), I didn’t turn tail and run.
Embrace your failures. You’ll be better for it.
If you read the article like I asked you to, you wouldn’t have needed me to tell you that, and on that note, I’m done rambling on with the self-help crap. Time to get back to writing, for what else is there than to drown your sorrow in an ocean of ink?
I hope everyone had a good weekend and that no one melted from this hellacious heat wave.
‘til Tuesday,
TK