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Thread: Life---ya gotta love it

  1. #1
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    Life---ya gotta love it

    First of all---I went to the "freezer" this morning and I am now dotted and smeared by multiple spots, some large and most small, of frozen tissue which will now fall off in a trail behind me---may the birds enjoy the scraps

    I have to go back in 4 weeks but should be good to go---until my next check up in one year I told the young lady that was possibly optimistic---I try to renew my subscriptions for 6 months

    Then---I just got off the phone with "my banker" at Wells Fargo. Just the concept makes me chuckle. Years ago I had a "banker". He had also been my parents "banker" and had been born and raised on a farm next to our home farm. By the time he became my "banker" he was a VP, but I never thought of him as "my banker" he was just Charlie to me

    I recall a time in the early 50's, on a Saturday afternoon when my Father called Charlie at home to tell Charlie he had just bought another farm (at auction) that morning and had less than $200 in the checking account---a fact made known to my Father by my Mother when he told her what he had just done Let me assure you, that there is nothing in the DNA of a proper Mennonite lady that prevents their venting their emotions with gusto Anyway---the bank deal was done on the phone. Monday morning the check was covered and a few days latter Charlie came by with the papers.

    Now fast forward to today---I again have a banker---it isn't Charlie (Charlie has passed), it isn't the same bank (which has also passed)----and not simply because I am a customer, not because I've know the guy my entire life, not because my family and me have done business for generations with this bank---simply based on a "mathematical hurdle" which qualifies me to be assigned a "personal banker"

    So, I called Charlie's replacement this morning, about a letter I had recently received from the current bank, which left me a bit concerned---mostly because the letter had failed to convey any comprehensible information. It was a full page of "words"---words that I suspect were joined together by a marketing guy and a lawyer with the full intent of not saying anything of value---a goal they fully achieved.

    I give Joel (Charlie's replacement) credit---we shared a honest belly laugh as we began talking about this "word missal", aimed clearly at the English language. As it turns out, the camouflaged message encrypted into this "word missal" was to give me fair warning that beginning in June the title on top of the statement will change the name of one of the checking accounts from one meaningless name to another meaningless name, yup----that's all folks

    Pity the poor folks that received that "word missile" and are without a "Charlie"
    "A pessimist sees the difficulty in every opportunity, an optimist sees the opportunity in every difficulty” ---Sir Winston Churchill
    "Political extremism involves two prime ingredients: an excessively simple diagnosis of the world's ills, and a conviction that there are identifiable villains back of it all." ---John W. Gardner
    “You can’t go back and change the beginning, but you can start where you are and change the ending.” ---C. S. Lewis

  2. #2
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    Over the years I also get calls and emails from people I never heard of who say they are my "personal banker" and they want to introduce themselves...To each I respond that I'll be happy to meet them the next time in my local branch, already knowing they'll say they don't office in Conroe, but in some other part of the world...And yet still they are certain they can meet all my needs in the banking world...

    I bank at PNC Bank, which up until last year was BBVA, and before that was Compass Bank, and I forget what before that...When I walk in to my local branch I am greeted by name by everyone who sees me, all of whom I also know by name...Some of those with whom I've banked in the past are now retired, and some have passed on...It's that way when you do business with any company that recognizes the value of personal recognition, and values the continuation of that business...Even those who have retired, or moved on to other jobs still stay in touch with me...

    When that branch is shut down by the oncoming juggernaut of digital progress, I will then move on to another locally based bank when I find someone who speaks my language, and remembers my name...That may take a little doing, but I've got the time for it......Ben
    The future is forged on the anvil of history...The interpreter of history wields the hammer... - Unknown author...

  3. #3
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    I do know this guy and he is housed in the local branch of Wells Fargo, who acquired me through a long progression of "survivors"---going back to the original "Farmers Bank".

    I still value the personal touch but I have come to put high value on the "digital world" as well. As an example, I write very few paper checks. Bills paid with checks (other than taxes) are paid by bank checks---the bank writes the checks and mails them---at no cost. Thus I save the cost of the check, the cost of the envelope and the postage---not to mention the savings in shoe leather from not having to take them out to the mailbox!
    "A pessimist sees the difficulty in every opportunity, an optimist sees the opportunity in every difficulty” ---Sir Winston Churchill
    "Political extremism involves two prime ingredients: an excessively simple diagnosis of the world's ills, and a conviction that there are identifiable villains back of it all." ---John W. Gardner
    “You can’t go back and change the beginning, but you can start where you are and change the ending.” ---C. S. Lewis

  4. #4
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    10-13-03
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    I have not set foot in a bank in some 20 years. Ever since I switched to USAA
    from Bank of arseholes. Works for me.
    "The only thing that we learn from torture is the depths of our own moral depravity"

  5. #5
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    Quote Originally Posted by Dave Grubb View Post
    Bills paid with checks (other than taxes) are paid by bank checks---the bank writes the checks and mails them---at no cost.
    Mine does the same thing, the bills are sent directly to the bank...Some they pay digitally, some with stamps and check...Never a charge...I also like their Visa cards - one pays me 4% to buy fuel, another 3% for the rare times I eat out, another 1% on anything I buy otherwise...Never an interest charge, never an annual fee...Plus I have my Discover card which pays me 5% on rotating categories, and AMEX pays me 3% on groceries...Also no interest or fees......Ben
    The future is forged on the anvil of history...The interpreter of history wields the hammer... - Unknown author...

  6. #6
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    I have three CC as well. One from Chase (Amazon) which returns up to 5%, Citi Bank (Cabelas) which gives rebates and an AMEX card which I seldom use any longer. The AMEX card is hidden but always with me when I travel---it is backup protection.

    I primarily use the Chase card and pay it off twice a month to hold down my credit usage which impacts the FICO score. My business related charges were all on my Cabelas card.

    I have never carried a balance on any of my CC---the interest rate is beyond my reach

    Back to the freezing adventure---I am going to post these photos in the hope that they motivate others to get checked out---and again, these are both benign.
    I find they are not all that unusual. They are called porokeratosis. The top one is about the size of a silver dollar, the bottom one is smaller. The deep red areas in each is were they took the biopsy samples two weeks ago.

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    "A pessimist sees the difficulty in every opportunity, an optimist sees the opportunity in every difficulty” ---Sir Winston Churchill
    "Political extremism involves two prime ingredients: an excessively simple diagnosis of the world's ills, and a conviction that there are identifiable villains back of it all." ---John W. Gardner
    “You can’t go back and change the beginning, but you can start where you are and change the ending.” ---C. S. Lewis

  7. #7
    Join Date
    10-30-01
    Location
    Salt Lake City
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    30,739
    "Porokeratosis is a rare skin disorder affecting fewer than 200,000 Americans."
    - Healthline.com

    Thought it'd be something found in the bowels - but no, it's a skin condition.

    The closest I've had are colon tags cut out during a colonoscopy. The worst part of that is drinking all the drain cleaner to clean out the gut. My brother-in-law, a retired cop, died because his colon cancer spread throughout his body.

    Just get the checkups done, my friends. Then we can still chat throughout the coming years.

    Hunter
    I don't care if it hurts. I want to have control. I want a perfect body. I want a perfect soul. - Creep by Radiohead

  8. #8
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    "Porokeratosis is a rare skin disorder affecting fewer than 200,000 Americans."
    - Healthline.comWell
    Does that make me special?

    Here is a 6 month update!

    I'm still a work in progress, Tuesday I will go for what I think will be my 6th freezing event. I believe the small one on the front of my leg is done---but the one on the back is still hanging on

    I pulled the most recently frozen layer off Saturday night. It is 6 weeks since my last freezing:

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    The beginning in March:

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    I'll be glad when this is over.
    "A pessimist sees the difficulty in every opportunity, an optimist sees the opportunity in every difficulty” ---Sir Winston Churchill
    "Political extremism involves two prime ingredients: an excessively simple diagnosis of the world's ills, and a conviction that there are identifiable villains back of it all." ---John W. Gardner
    “You can’t go back and change the beginning, but you can start where you are and change the ending.” ---C. S. Lewis

  9. #9
    Join Date
    10-20-02
    Location
    16 miles west of the White House, Northern Virginia..
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    My Dad was the poster boy for cancer.. Skin, Colon, prostrate.. (he died by falling down the stairs)... I started the specialist visits at age 35-40..

    Back in the ancient daze one had to go in for a pre-colonoscopy visit.. i'm instructed on how to mix the "draino" with a clear liquid.. my first question.. Vodka is a clear liquid, right.. PA didn't think i was funny..

    Random Fact.. people with a cilantro intolerance have told me that the "draino" tastes like cilantro..

  10. #10
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    Man, if it tasted like Cilantro - I'd still hate it.

    Because they removed pre-cancerous polyps from me, I'm on a tight 5-year schedule for Colonoscopies. They aren't pleasant - but I remind myself of the alternative (colon cancer) which is not a good way to go.

    Wifey has a cancerous gene galloping through her family. I've been in the room when she had pre-cancerous growths removed from her head. The blood loss that occurs when her scalp is cut is impressive. But, again, the alternative is something we want to avoid.

    Hunter
    I don't care if it hurts. I want to have control. I want a perfect body. I want a perfect soul. - Creep by Radiohead

  11. #11
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    No freezing this time!

    I am now going to apply some type of cream twice a day for the next 6 weeks. As long as that is effective, I'm good with that, since the freezing got progressively more painful.

    These spots are not cancerous---yet---I want to keep it that way
    "A pessimist sees the difficulty in every opportunity, an optimist sees the opportunity in every difficulty” ---Sir Winston Churchill
    "Political extremism involves two prime ingredients: an excessively simple diagnosis of the world's ills, and a conviction that there are identifiable villains back of it all." ---John W. Gardner
    “You can’t go back and change the beginning, but you can start where you are and change the ending.” ---C. S. Lewis

  12. #12
    Join Date
    11-14-01
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    Apache Junction, AZ
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    Got the skin checkup about 6 weeks ago. I just am lucky to get the dark spots which freezing usually causes them to dry up and fall off. A couple of larger ones may require the slice off method. Usually I go every year but with covid I kept putting it off for almost 3 years. But I do recommend you get checked out yearly.

    As for the other I"m on the ten year plan or whenever they say get er done. Must say the stuff to drink has gotten way better.
    Fred

    "Everyday I beat my own previous record for number of consecutive days I've
    stayed alive."

    'Take care of yourself, and each other.'

  13. #13
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    Yeah, the last time I got scoped in my Southern Region I was able to mix the bowel busters with 7 Up. Oh, what a pleasure... not.

    Hunter
    I don't care if it hurts. I want to have control. I want a perfect body. I want a perfect soul. - Creep by Radiohead

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