Frenzied Daddy

This Comic has me dwelling on a mistake I made. One of many, but I’m learning from them.

About a year and a half ago, I managed to get a US Bank account overdrawn to the tune of about $1000. Yeah, I was impressed too. It was my business account for Argh WebWorks. I went in to the branch where I had opened it in order to talk to someone about how to close it and pay it off. I didn’t get the “small business specialist’s” name but his advice was simple. “Ignore it,” he said, “and it will go through internal collections, they’ll knock a bunch of fees and then send you a bill for the remainder. I asked him how much I could expect to wind up paying; he said he didn’t know. I asked him why not just hook me up as if it were a $1000 loan, and I’d make monthly payments. He said he was trying to save me money and that they had no mechanism for that sort of thing. He couldn’t give me a number for “internal collections.” Nothing.

It wouldn’t stand up anywhere- “I went into the branch and they told me to let it go through collections. No, your honor, I don’t remember the guy’s name. No, I don’t have a record of our conversation. No, he didn’t promise anything.” Yeah, that’d go really well. And I can’t deny that I owed them the money, obviously I wrote some bad checks and then fees compounded on fees and one nasty situation rolled into another one. I just wanted to shine the light of the sun on it so the mold couldn’t grow any further. The mold stopped growing on it when I told them to close the account.

So, now it’s a year and a half later, and I’ve finally made the last payment on it. It was still about $1000. Nothing was taken off, not that I believed that would happen. “Internal US Bank Collections” didn’t even bother sending me a bill, they just sold it to a collection agency. The collection agency promises that they’ll have the CheckPoint systems block taken off my records so I can open up a new account (at the credit union, thank you for asking). I’ll be checking later this week.

So yeah, don’t hire lawyers that are barred from courtrooms and don’t listen to Small Business Consultants who can’t help you.

Why yes, I am a little bitter. But not enough to claim it’s not my fault.

Hey if I’m going to buy fruit juice for the girls for summer drinks, I just need to avoid high fructose corn syrup, right? Wrong! I need to print out that list, because an astonishing 125 out of 146 tested fruit products (juice and snacks) had lead in them!

Living in an older house, I worry about lead. And now to learn that 85% of those kids’ drinks and snacks had lead in them — just terrific. Everything from BeechNut to TreeTop and even Trader Joes had lead in it.

I’m going to have to buy a juicer. How do you make cran-grape out of cranberries and grapes? That’s a lot of juicing.

I don’t think any of us (us in the family, not us in the world), really appreciated Ms Plank until this year. Ms Plank is the band teacher who has been teaching Miss B the clarinet for the past three years. For Miss B, this has been a chore. For us, it’s been a chore of “making” Miss B practice, and a chore of going to concerts.

( She’s gotten a lot better. )

Now that we’ve decided to transfer Miss B to a school without a band program and to let her stop taking band, I’ve been looking at what Ms Plank does- she’s there from an hour before school to work with a group of Jazz students. She takes them to competitions (and they place HIGHLY). She goes to the elementary “feeder” schools (where Miss B met her) and teaches kids there. She organizes concerts.

There was a guest conductor at the last concert and he reminded us that Miss B’s schools is an oasis of music here in PPS. And with PPS’s changes, budget shortfalls and redesign, I’m kind of worried about music as taught to our kids in schools.

But Miss B is going to a new school where she won’t be taught music. And after looking over all the benefits of teaching kids music (everything from improved scores in general, to improved math scores, to team-building, to humility and devotion), I’m wondering if, if I want to keep this learning going (or have Miss K learn the same things), if I should consider finding a music tutor or if I should just trust church choir to teach them these things?

and of course, if I even should worry about it. I mean, music classes?