~Hugs!

[edit 12/2;  Much better thank you.  Went by yesterday and this morning.  You’ve sure been a busy blogger this month.  *grin*  Tried to comment, but blogger’s not cooperating with me.  I’ll be back.    patty.  end edit]

[edit 12/2;  Thank you Maggie.  Much better now.  patty.   end edit]

[edit 12/2:  Thank you Edward, much improved on the headache front.  Very good approach you took, and good advice.  What bugs me most is that the folks caught in shafting bank practices are not people defaulting on their credit obligations, but rather people who, in good faith, are trying to keep up with them.  I really feel for people who get in trouble when problems come up for them.  I have an employee who encountered some really heavy medical expenses.  She’d had the same MBNA card for 15 years and always paid on time and rarely carried a balance.  When she got it it had a 1,000 dollar limit.  Without asking, every year they upped her limit, so by the time she got in trouble she had a 20,000 dollar limit.  This is a single mom with two kids, making 12 dollar an hour working full time as a secretary and going full time to night school so she could get into nursing school.  Push came to shove in her life two years ago, when her parents who are non-citizens and inelligable for financial aide got sick.  She maxed out the card using it just to prepay portions of their bills so they could keep their dignity, and quickly discovered that even the minimum payments were close to a third of her income.  They upped her interest immediately from th 11% it had been for years to 29% and strted hitting her with 29 - 38 dollar late and over the limit fees.  Within 6 months the nterest and fees inspite f her steady monthly attempts to pay whatever she could, the balnce was over 30,000 dollars! More than 15,000 of it due to fees and interest and compounded interest on interest & fees.  When she froze and effectively “closed” the account after being told they would work with her, they wouldn’t reduce the interest rate unless she paid half the balance.  She couldn’t.  for a few more months, even with the account frozen, EVERY month they kept adding interest and over the limit fees and penalties, because every over the limit fee they applied consituted use of the frozen account!  Finally this very ethical and proud woman did something she swore she would never do, and that is completely default on her now 34,000 dollar debt and declare bankruptcy. This on top of losing her parents to their health problems.  By the time she did, virtually none of the balance was due to her spending!  she’d paid and paid and paid and paid and could not get past the minimum payment which just kept getting higher and higher.  Now she’s in nursing school and within a year will graduate.  She still feels like she did something shameful escaping her debt.  I keep telling her she abandoned nothing, she escaped a form of harrassment and assualt on her peace of mind and good heart that should be criminal.  The bank should be forced to choke on the debt incurred through its own spending on her card, not only that, I think they owe her all of the money she paid them that went toward their charges not her spending once she swallowed her pride and sought their good faith.   I know this is not an isolated incident either. It sure does make my blood boil!  LOLOLOL.  patty.    end edit] 

[edit 12/2: Thank you Danielle.  patty.  end edit]

[edit 12/2/07: Things are getting better Ozzie.  I slept for 20 hours a day for all of the 6 days I took off for Thanksgiving. Finally the overwhelming need to sleep broke and I’ve been feeling pretty good now.  Thank you   patty.  end edit]

[edit] Much better today Amanda.  Two results and check and see how I’m doing calls today, one follow up visit tomorrow AM another late next week.  I’m feeling much better today than yeasterday    Thank you   [end edit]

[edit] Hey there Jeff as one of the very few who know, *g* thank you.  Today was a pretty good day.  Wasn’t reader kind? Doncha love the ASSumption s/he made.  Like I can drink right now?   LOLOLOLOL.  I think the stats of their visiting just this blog says more about her/his addiction/dependance than my queer type fast while you’re away cause it’s been too long ’slhypo’s’  (sleepy, hurried typos).  My log only tracks up to 5,000 page loads (I put the other 4,000 on the gallery and 1,000 on the old blog)  The counter keeps a good running total of new, unigue returning visitors foe every day, but it drops detail beyand that after my log limit is reached, I already know I only have a hair over 4 days of detail.   With the exception of the 1st time a popular site ever noticed my old blog, I know I’ve not been back to a single blog more than 200 times in four days.  I’m sure I’ve opened a really intriqing post at the end of my day, and ended up leaving it open till later the next day so I wouldn’t forget to re-read and absorb it.  Reader’s less interested in the  post though as just this snippet of his/her page load activity shows…

and there’s more since 18:10 today now too.   Obession with mean comes to mind….   Thanks for your support Jeff & y’all  lets just let mean be alone.  I can show you just how mean they are, but why bother right?  Just fuels their nasty farts after all……

Love y’all  patty   [end of edit]

~Hugs!

[edit] Not much yet MaggieODear.  My CT & MRI show that I’ll not be skipping down the yellow brick road in search of a brain, and the one that I have appears to be normal as compared with other brains and whatever brain norms xray docs and neurologists use.  I think having a migrane so bad I couldn’t function right when my depression treatment was being tweaked underscores a lot of what’s been at the core of my cycling moods for a few years now.  The prospect of calm and no more headaches … oh yes please….   patty [end of edit]

R

[edit] Thank you Richard.  I trust this new Doc.  I lived for many years without migranes.  A few in my mid teens then none for decades until starting this change of life deal.  A few last year and now lately literally every month. It never occured to me to ask if changing meds for anxiety and depression could trigger a migrane.  Not his fault and now we know something we didn’t know before and I now have a neurologist officially helping, and he’s changed one med & guess what it’s side effect is? Weightloss!  LOLOL    patty [end of edit]

[edit] Yes Paul sure hope I do get some rest.  I’m off for the rest of the week now, today was long 7AM to 8PM.  Me & the kitties have rented a nice cabana condo on the beach.  I’ve ordered a full fixin’s turkey dinner from luby’s that I will pick up Wednesday.  Even though a cold front is predicted to drop holiday temps below 50 F, the cabana has a fire place & I’ll bring fleece blankets.  Thanks for being you.    patty [end of edit]