Monday, May 16, 2016

Credit Card Companies and Going Paperless - Just Say No

Last summer I had a problem with my "travel rewards" credit card. I use it for all charges and have upgraded to some pretty spectacular places! But when my main credit card had been compromised, I started using my "gas rewards"credit card for a very short time. The charges I made didn't account for much. In fact, they were barely enough to file in a small claims court. Time passed and I never received a bill. I can remember thinking, I know I'll get the bill next month for sure, and after a couple of months went by, I couldn't really remember if paid it or not. Since I wasn't getting a bill, and I always pay my bills on time, I figured I had paid it.

Unfortunately, I had not! But they were super busy stabbing me in the back in the meantime. Without any written notice, they began contacting the credit reporting agencies about my delinquent account. Over approximately four months time they caused my FICO score to decrease by close to 150 points. The good news is that my score was so good, it's actually still very high, again, because I pay my bills on time. 

It turned out that becuse I wasn't using their card, I was placed on an e-billing cycle on their end. One that doesn't send the bill to my bank, like the better creditors, but to an email address that had been hacked back when I was working as a second grade teacher. Sometime around 2005 or so, the email address they had was spamming all my contacts asking them for money because I had been traveling and was mugged. I tried to close that account, but only succeeded in clearing out the contact list, so no one would get spammed any longer. In theory, they would have received one of those messages, and contacted me, but no such luck. 

I finally received a paper bill at home! I opened that paper bill right when I got it, and paid it over the phone. When I informed them about my stolen credit information, they promptly refunded me around $150 of fees! They did this because I never pay my bills late. However, the damage to my FICO score remains as reported, and they refuse to do anything about that, due to company policy. 

It was super easy for the credit card company to effect my FICO score, which still causes me to lose sleep over this stupid mistake because: A) someone hacked my email and was trying to scam my family and friends, B) someone got my credit card number and charged two cell phones to the tune of $900 - which I caught and C) I never got the electronic bill sent to the bank. Sheesh. I'm doing the best I can to keep up with scammers and thieves. But it leaves me wondering: While I am getting nailed for allegedly late paying a tiny sum of money, did the person(s) who stole the phones get away with that? 


Monday, May 9, 2016

dancing with the stars

Nyle and Peta are told they're safe at the beginning of tonight's show.  In addition to their regular routine, there are three team dances that were each choreographed by a different judge. At the end of the show, one of my favorite dancers gets sent home. Everyone dancing in the competition now is bringing their A game. Surprisingly, Wanya is again in the bottom two, so he really needs votes tonight - if you're into voting early. It's not that he's a lame dancer. He just might not be as popular as the remaining competitors. If you're anything like me, you are already voting for your favorite, and since voting for Jodie is a waste, my votes will be going to Wanya - and maybe Ginger.

Monday, May 2, 2016

DWTS Double Elimination Night


Last week on Dancing With The Stars was "switch-up night," and no one was sent home. That means two celebrity competitors are going to have their mirror ball hopes shattered tonight. There are a couple of team dance routines that will be performed tonight as well. It's called the Battle of the Sexes. The men dance to James Brown and the women dance to Beyonce. If you're anything like me, and you are voting, you like to know who will be going home before you vote. Right? 

If you don't want to know. Stop reading now.

The two couples that go home are...

Von/Whitney and Kim/Sasha
 

Sunday, May 1, 2016

Peace From the Ocean

It is sunny and there is a slight breeze tosselling my hair. My dogs are running around gleefully while the roar of waves crash onto the reef below. Their whitecaps threaten to douse me, but I sit just far enough away to avoid even a splash. I am trying to deal with so many sad issues, sorting through the worst of them, as I watch the surfers try to tame the ocean waves. They are rarely successful today. It seems like rectifying the issues with which I am dealing are also like the this tide. Yet I remain calm watching, in contrast to how I feel inside. I can't get enough watching of those waves. When it's time to leave, I turn around once more to see a beauty gently rise, roll for a distance, start to tumble, and then crash on the land, as if to say good-bye. I vow to come back again soon. 

Few of my burdens have gone dormant for some time. As much as I would like to believe they will go away, or even evolve enough to become manageable, they seem to remain stagnant. One of them has come back from the past to reek havoc on my lovely home - like a cancer in remission. Two of them remain constant, like the North Star. One of them is new to me, and I have to watch and see what will happen. Still I hope for the best. Like the grief I felt over the loss of my sweet, Hardy, I am reminded that letting go and observing how they change over time is still the best course for me. I am reminded that I like to sit, and wait, and watch for an opening. So I wait for my sorrows to dissolve into something I am better capable of handling, and soon I will come out again to watch the stars dance in the night sky.



Monday, April 25, 2016

Out of Town

I took this pic while standing in the doorway from our room in Pateros. The memorial for my Father-in-law is behind us now. May he rest in peace. 

Monday, April 18, 2016

DWTS Switch Up Night

Today is the last day to file your taxes, and I just got back from a celebration with our staff.  Tonight's update is not as much as I would like to share, but here is what I learned from what little time I had to research tonight's show.

Switch couples I know...


Nyle/Sharna
Sasha/Paige
Keo/Kim
Mark/Ginger
Antonio/Karina
Peta/Doug
Von/Lindsay
Jodie/Val
Wanya/Whitney

Sunday, April 17, 2016

Disney Night on Dancing With The Stars


It was a magical night in the ballroom last Monday night. The dance teams were all decked out in their Disney garb, and they brought fantasy to their dance routines as well. There was a guest judge, Sandaya, and guest animated visitors too – both on ballroom and hanging around. There were many cameo dance appearances from Disney characters after the breaks. Antonio led the celebrity dancers Marla, Nyle, Doug, Kim, Jodie, Von, Ginger, Wanya, and Paige followed respectively. Marla Maples left the competition, to the surprise of her dance partner, Tony, so we are down to 8 competitors next week, and Maks Chmerkovskiy as a guest judge. Will you be watching tomorrow, as the competition gets fiercer?

In order of final scores (out of 40), here is my synopsis of the celebrity teams.

Ginger and Val performed a highly entertaining Foxtrot as Belle and Gaston from Beauty and the Beast. This routine brought them a tie for highest score of the night. Their dance routine was performed to depict a scene in Beauty and the Beast, and had traditional moves mixed in with a cast of backup dancers (which looked like it included dance pros, Tony and Louis) set in a French town, as if they were dancing on Broadway. I loved the end where they were all in hold dancing around a fountain. This routine brought a smile to my face that just won’t go away. I’ve probably watched it over 10 times, because it is so inspiring.
Their score: 36

Paige and Mark danced a playful and lively routine with many visits to the floor as if they were toys that had been visited by humans during their Quickstep Toy Story routine to the song, Friend in Me. Their routine started off in hold doing their traditional moves that had a beautifully executed series of kicks and spins, which brought her around to a scissor kick as he spun her in the air. At some point the 6 soldiers that were standing at attention at the sides came into the dance. They did moves on the floor that were interestingly interspersed with partner moves around the ballroom floor towards the end. They deserved to be tied for first place.
Their score: 36

Wanya and Lindsay were the fiercest competitors, performing their Lion King/Samba routine. They fell from the number 1 spot to tied for second place on the leader board this week. I felt this team was robbed. It may have been due to his costume, which was too baggy to see his excellent moves. He opened the dance in full lion costume, but took off the headpiece for their dance. She looked astonishing in her cat face makeup, wild hair, and cat fur leotard. Their performance was entertaining and invigorating. The choreography was modern, but also had traditional moves that were performed expertly. He will be in the finals.
Their score: 35

Antonio and Sharna danced a jazz routine to Friend Like Me. Antonio wore a white 3-piecesuit with sequined, gold vest, and white hat. Sharna looked hot in a pastel blue Princess Jasmine costume. Their routine dazzled, and held a high kick line with four backup dancers. The choreography was an interesting mix of Antonio’s style with ballroom dance moves. 
Their score: 35

Von and Whitney looked elegant and poised as they sparkled on the ballroom floor to a Cinderella themed Viennese Waltz. This routine was one of my favorites, and this team most certainly gets my best-dressed nod for the night. He looked like a prince in a white sparkle tux with blue trim and black boots. She wore a smoky blue ballroom gown that was alight below the waist. Their routine was magical and romantic, filled with traditional steps and a variance in speed. Bruno said it best, “I am totally enchanted.” Their score was surprisingly low for the performance they gave.
Their score: 32

Nyle and Peta danced a non-traditional, thumping samba in a Tarzan theme. They wore loincloth type clothes, with the most outstanding part being his longhaired wig. Their routine was vigorous and included a lot of movement and even had pounding on a set of pot and pan, “bongo” drums. This was the routine that one of the judges should have called, “booming,” to quote Antonio Brown and son.
Their score: 34

Kim and Sasha danced their Quickstep routine in a Jungle Book dance routine to the song, I Wanna Be Like You. As much as I love Kim, I can’t say much nice about this dance, but not based on the dancing. It was because of their hideous costumes. They both had brown Park Ranger colored tops, but her yellow chiffon skirt made her look awful– and she is lovely! They had 4 backup dancers that were a nice addition, but one of them was wearing a green sequin costume that clashed with everyone else. The choreography was traditional, and it looked like she hit all the steps ok, but because of the costumes, this seemed like a smoke and mirror routine. 
Their score: 32

Jodie and Keo had a tough night performing their Zootopia themed Cha Cha. She made visible mistakes in routine, and although she really held her poise throughout them, the judges were quick to judge and penalize her. I believe this routine wasn’t traditional enough, and they seemed to either miss connecting with one another, or the choreography had her dancing alone too. Jodie obviously has talent as a dancer, but I’m not sure why we didn’t see it. I’m starting to think it’s Keo’s inexperience – and I love his dancing. I believe he needs some tutoring from a seasoned dancer from the show (I’m thinking Derrick). It will be unfortunate if Jodie gets sent home next week. I was surprised to learn she was in the bottom 2 at the end of the show.
Their score: 27

Marla and Tony danced their Little Mermaid themed dance in an underwater set. Their waltz routine was their best dance to date. This was a beautiful routine. It contained a moment where Marla stood in arabesque while Tony slowly spun her in a circle. There was another part where he held her under her arms, twirled her in the air, and gently threw her swirling onto the floor. I loved this routine, and was disappointed at her low score for the night.
Their score: 28

Doug and Karina danced a cute Marry Poppins themed Jazz routine to the song, Spoon Full of Sugar. I really liked this routine, but the judges didn’t. He was dressed in a black button up, black pant, and checkered black and white vest, and hat. She came in with a long red double-breasted coat, which she removed to reveal the cutest white and red backless dress, and an adorable pair of white and red shoes. Their Jazz routine had a little illusion mixed in with some acrobatic moves as well as the Charleston and Moonwalk. It intensified into Quickstep type moves towards the end and was quite entertaining.
Their score: 24

Surprisingly, the two celebrity dance teams that were in the bottom two were Jodie and Marla. It was sad to see Marla go home, but she was gracious as she said good-bye at the end of the show.