Have not had a worse experience with a bank as I have with Commerce bank. I highly recommend NOT banking here.
I enjoy the online banking. I like being able to see what activity is on my account on a daily basis. You can get this service at any bank. I was also enjoying the ease of transfering money from Commerce to Bank of America. It was a LOT of fun to avoid using the actual bank, either the lobby or the drive-up. I simply prefer to do whatever I can from the comfort of my own pajamas.
UNTIL... I found out that they charge you $6.95 per month to use this service. WTF?! I don't send out 16.54 letters out a month needing that much postage. Why would anyone in their right mind spend this much to do online banking when THE UNITED STATED POSTAL SERVICE IS CHEAPER?
Shouldn't online services be cheaper? I mean it does not take as much man power to operate a computer as it does to staff the bank. I just don't understand!
Another thing that bothers me is their motto: call. click. or come by. No one answers email...at least not for over 24 hours. And you CAN'T get a human being on the phone. What kind of service is this?
Once my last paycheck is deposited into the account, I am taking my money out and never looking back. Thinking about putting our valuables into a fireproof box (bolted to the floor). Why not? same price as the yearly cost of a safety box at Bank of America? This would be a one-time-only fee, instead of annual.
Humph. Lots to think about. Ready to be rid of CB.
Thursday, October 30, 2008
Friday, October 17, 2008
Where is my monthly treat?
Today was a special "Mommy and James" day. I was off work. James needed to go to the doctor. Our pediatrician is putting James on Ritalin for a one month test. Let's just see how it effects the boy. Then we will know what to do in August when he is ready to start school. He does not really have problems in the "class" part of pre-school, it is more the unstructured transitional times that he has the problems....standing in line, going to the bathroom and going back to HIS class, group circle time...Doc says the medicine will help with all of that. We shall see.
The fun part may be that the pill does NOT come in a chewable. Have to half the pill and give it to James with a bite of food. One side affect is that he may lose his appetite. Daycare says that they will save a bit of money (jokingly), because the boy eats like a horse there. I just hope he doesn't lose any weight, the boy is skinny enough.
While we were there, he also got a flu shot. AND too bad for James, they were out of the nasal spray kind. RIGHT in the leg, he got it. MAAAAN that boy can scream. (Little girl.) hehe.
Emma wants her time too. She forgets about all the times we had last year without James. Besides, I will be at one of her school parties. She does not like that I am trying to save up time to go to James' pre-school graduation. Hers was scheduled on a day that I was in charge of a field trip....not to mention all the time I took that year with her broken collar bone. humph. Besides we all know I like him better. OOOOHHHhhhh, I'm just kidding.
Time for bed.
Emma's parent teacher conference is Friday. I am sure it will be a good one. Although, I am a bit concerned with her carelessness lately. Speeding right through her work, not checking it over. Oh, and this is just the beginning. I suppose this story will get worse as she progesses through middle school.
We are anxiously awaiting the results of the November 4 elections. On the ballot for Festus is a tax increase. If it fails, the 2010-11 school year will begin year round school for us, and a TON of headaches......so, Welcome us to the Northwest R-I School District.
Past my bedtime. Come on, laundry buzzer.
Emma lost tooth number three. Those babies are poppin out like hotcakes....whatever does that mean anyway? Someone told her that for the first tooth, you get one prize. For the second tooth, you get two prizes. So, this would mean three prizes. Although, she still needs to be taught the value of money. First tooth, she got a dollar. Second tooth, two quarters. Third tooth, whaddaya say I give her 3 dimes?
At first I was appalled at this concept, thinking she was going to ask for $3. Then she started mentioning coins and I got excited. And let me just say that I don't really believe in the concept of the toothfairy to begin with. Santa and the Bunny, I get. But really, getting a prize for losing a bone? Come on. How come no one leaves me a treat when half my uterus falls out every month? THAT deserves something!!!! And if I recall correctly, a LOT more painful too. What is the point? To make our kids MORE materialistic than the TV can? Help me with this, huh? (Joe, no need to comment--unless you want to. I know your view on this Santa/Bunny/Fairy thing.)
I miss the Dora days. Pop in a movie. No commercials. No "Iwanna"s. Our kids don't get that thought answered, but it is still annoying to hear every 2:30 or less. Especially when we oly watch about 20/30 minutes of TV a day. Although, I have to admit that I hope Santa brings a box or two of the Bendaroos. Those look like a bunch of fun. And they are re-usable.
Laundry. Bed. Later.
The fun part may be that the pill does NOT come in a chewable. Have to half the pill and give it to James with a bite of food. One side affect is that he may lose his appetite. Daycare says that they will save a bit of money (jokingly), because the boy eats like a horse there. I just hope he doesn't lose any weight, the boy is skinny enough.
While we were there, he also got a flu shot. AND too bad for James, they were out of the nasal spray kind. RIGHT in the leg, he got it. MAAAAN that boy can scream. (Little girl.) hehe.
Emma wants her time too. She forgets about all the times we had last year without James. Besides, I will be at one of her school parties. She does not like that I am trying to save up time to go to James' pre-school graduation. Hers was scheduled on a day that I was in charge of a field trip....not to mention all the time I took that year with her broken collar bone. humph. Besides we all know I like him better. OOOOHHHhhhh, I'm just kidding.
Time for bed.
Emma's parent teacher conference is Friday. I am sure it will be a good one. Although, I am a bit concerned with her carelessness lately. Speeding right through her work, not checking it over. Oh, and this is just the beginning. I suppose this story will get worse as she progesses through middle school.
We are anxiously awaiting the results of the November 4 elections. On the ballot for Festus is a tax increase. If it fails, the 2010-11 school year will begin year round school for us, and a TON of headaches......so, Welcome us to the Northwest R-I School District.
Past my bedtime. Come on, laundry buzzer.
Emma lost tooth number three. Those babies are poppin out like hotcakes....whatever does that mean anyway? Someone told her that for the first tooth, you get one prize. For the second tooth, you get two prizes. So, this would mean three prizes. Although, she still needs to be taught the value of money. First tooth, she got a dollar. Second tooth, two quarters. Third tooth, whaddaya say I give her 3 dimes?
At first I was appalled at this concept, thinking she was going to ask for $3. Then she started mentioning coins and I got excited. And let me just say that I don't really believe in the concept of the toothfairy to begin with. Santa and the Bunny, I get. But really, getting a prize for losing a bone? Come on. How come no one leaves me a treat when half my uterus falls out every month? THAT deserves something!!!! And if I recall correctly, a LOT more painful too. What is the point? To make our kids MORE materialistic than the TV can? Help me with this, huh? (Joe, no need to comment--unless you want to. I know your view on this Santa/Bunny/Fairy thing.)
I miss the Dora days. Pop in a movie. No commercials. No "Iwanna"s. Our kids don't get that thought answered, but it is still annoying to hear every 2:30 or less. Especially when we oly watch about 20/30 minutes of TV a day. Although, I have to admit that I hope Santa brings a box or two of the Bendaroos. Those look like a bunch of fun. And they are re-usable.
Laundry. Bed. Later.
Thursday, October 2, 2008
Lots going on right now.
My word it has been a long time.
Emma has started first grade and is doing wonderful. Her first progress report states, "Emma is amazing." I kind of already knew that, but it was fun to hear from an outsider. I just cannot believe how smart she is. She is reading chapter books now. I ordered the "Junie B. Jones" series for Christmas. I think it was the next day she tells me that her teacher has given her the same series to read in class--everyone has a set of books in a magazine rack under their desk. Not many are reading at this level in grade one---at least not in her class. I am anxious to speak with the teacher at conferences in a couple of weeks.
James is smart as whip too, as quick as one. And Sneeeeeeaky. That boy will try to get away with anything. If anyone out there raising boys can give me some advise about the 4th year of life, I am open to advise, words of encouragement, anything. I am pretty sure he will need speech therapy when he is in school....although, I am not completely unconvinced that he is just normal and the Emma was the one who is "not normal." He has such extreme weeks with his behavior. One will he will be super and the next week, I am afraid to pick him up, because I am certain to run into a teacher who will tell me how AWEFUL he was that day. This is my biggest stress of the day. I have seen a parenting counselor to help me "deal" with this, teach me some things. We also have an appointment this month with the pediatrician to have him tested for ADHD. Then I talked to a parent today who says her boy was just like James and he started to get over it about 4 1/2 years, and has shown even more improvement at age 5. Gosh, I sure hope this is the case with Bubba.
Both of the kids are looking forward to my mom's annual bonfire. Earning tickets has meaning now. Oh, we use the ticket system at our house. Get a ticket for using manners, going to bed like a big kid, being good at school, etc,...Lose a ticket for yelling, snitching, having a bad day at school, talking back to the parents, etc,....Pay tickets for fun things like the bonfire (don't worry, mom, I am making sure that they have enough to go), paint nails, stay up late, have an extra dessert, etc,..... James did not seem to care too much about losing tickets until this summer when I left him home while Emma and I went to Chicago without him. He sure does NOT want to be left out of that bonfire. He knows how much fun we have.
I am still up writing for another reason....I am trying to be "little susie homemaker" as Kevin says. I was given a bread maker. I started my first loaf after I made dinner tonight. Didn't know it was going to take 4 hours and 10 minutes. I am not sure what in my mind thought that 4:10 was in minutes and seconds for BREAD. It can't be because I had two ankle bitters nibbling, nor because it takes less than 4 min., 10 sec. to go downstairs, get frozen bread, thaw in microwave, and make a sandwich. Man I must be tired. Anyway, the bread won't be done until almost 10pm which for tonight is about 1:30 (hours and minutes) past when I wanted to be asleep.
I am not sure how this bread with turn out. The manual is VERY confusing. I was under the impression that I was supposed to use the white bread recipe as a base and add the ingredients for a flavored bread if I wished. NOPE. Just have to follow the flavored bread recipe. So, in other words, I combined two recipes into one. Have you ever tried white, pumpkin bread? We are about to. Call me, I will save you a peice. Humph. I will try again following the correct recipe next time. I am determined, unlike the previous owners of the bread maker, to make more than one loaf. I almost feel obligated to do so....So many ingredients for one loaf to never be used again.
If you have one, I would like a zucchini bread recipe. I know brother Joe has one, right? Banana bread?
The job is going well. I have 3 students in the morning and 2 in the afternoon. My aide is still out on maternity, so the days are a bit long and boring. The kids are interesting to talk to. Although, sometimes they tell me too much.
Kevin is still sober. He works too much or is it that he sleeps too much? I can't wait until I have a day off so that we can spend some time together.
Happy fall.
Emma has started first grade and is doing wonderful. Her first progress report states, "Emma is amazing." I kind of already knew that, but it was fun to hear from an outsider. I just cannot believe how smart she is. She is reading chapter books now. I ordered the "Junie B. Jones" series for Christmas. I think it was the next day she tells me that her teacher has given her the same series to read in class--everyone has a set of books in a magazine rack under their desk. Not many are reading at this level in grade one---at least not in her class. I am anxious to speak with the teacher at conferences in a couple of weeks.
James is smart as whip too, as quick as one. And Sneeeeeeaky. That boy will try to get away with anything. If anyone out there raising boys can give me some advise about the 4th year of life, I am open to advise, words of encouragement, anything. I am pretty sure he will need speech therapy when he is in school....although, I am not completely unconvinced that he is just normal and the Emma was the one who is "not normal." He has such extreme weeks with his behavior. One will he will be super and the next week, I am afraid to pick him up, because I am certain to run into a teacher who will tell me how AWEFUL he was that day. This is my biggest stress of the day. I have seen a parenting counselor to help me "deal" with this, teach me some things. We also have an appointment this month with the pediatrician to have him tested for ADHD. Then I talked to a parent today who says her boy was just like James and he started to get over it about 4 1/2 years, and has shown even more improvement at age 5. Gosh, I sure hope this is the case with Bubba.
Both of the kids are looking forward to my mom's annual bonfire. Earning tickets has meaning now. Oh, we use the ticket system at our house. Get a ticket for using manners, going to bed like a big kid, being good at school, etc,...Lose a ticket for yelling, snitching, having a bad day at school, talking back to the parents, etc,....Pay tickets for fun things like the bonfire (don't worry, mom, I am making sure that they have enough to go), paint nails, stay up late, have an extra dessert, etc,..... James did not seem to care too much about losing tickets until this summer when I left him home while Emma and I went to Chicago without him. He sure does NOT want to be left out of that bonfire. He knows how much fun we have.
I am still up writing for another reason....I am trying to be "little susie homemaker" as Kevin says. I was given a bread maker. I started my first loaf after I made dinner tonight. Didn't know it was going to take 4 hours and 10 minutes. I am not sure what in my mind thought that 4:10 was in minutes and seconds for BREAD. It can't be because I had two ankle bitters nibbling, nor because it takes less than 4 min., 10 sec. to go downstairs, get frozen bread, thaw in microwave, and make a sandwich. Man I must be tired. Anyway, the bread won't be done until almost 10pm which for tonight is about 1:30 (hours and minutes) past when I wanted to be asleep.
I am not sure how this bread with turn out. The manual is VERY confusing. I was under the impression that I was supposed to use the white bread recipe as a base and add the ingredients for a flavored bread if I wished. NOPE. Just have to follow the flavored bread recipe. So, in other words, I combined two recipes into one. Have you ever tried white, pumpkin bread? We are about to. Call me, I will save you a peice. Humph. I will try again following the correct recipe next time. I am determined, unlike the previous owners of the bread maker, to make more than one loaf. I almost feel obligated to do so....So many ingredients for one loaf to never be used again.
If you have one, I would like a zucchini bread recipe. I know brother Joe has one, right? Banana bread?
The job is going well. I have 3 students in the morning and 2 in the afternoon. My aide is still out on maternity, so the days are a bit long and boring. The kids are interesting to talk to. Although, sometimes they tell me too much.
Kevin is still sober. He works too much or is it that he sleeps too much? I can't wait until I have a day off so that we can spend some time together.
Happy fall.
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