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Tuesday, February 03, 2009

The Latency of Promises

As my regular readers know, I have Multiple Sclerosis...the current presentation of which almost completely paralyzes one arm and one leg on the same side...meaning that just walking is a real challenge.

And don't underestimate just HOW challenging it is...if I make it look easy, it's only because I'm becoming quite adept at a number of outwardly nonsensical, while habitual "workarounds" that are a MUST to keep my malfunctioning muscles working.

As if that weren't enough of a challenge, there's still the cold business of supporting myself on a monthly Social Security benefit that is below minimum wage...at least as accountants might reckon it.

Actually, THESE MATTERS are simply chronically annoying.

What is really troublesome for me is the endless phenomena of "Quick to debit, slow to credit"...in other words, all things being equal, I'm losing money left-and-right to the impetuousness of people to claim what is due them...sometimes BEFORE it's due.

Maybe my years as a proofreader got me hyper-aware of the "written-terms" of agreements, but just because my PHYSICAL difficulties make issuing checks on-time so hard, I frequently issue the drafts in advance and POST-DATE them to the actual due-date.

But recently somebody at the bank goofed and debited my account the DAY BEFORE the date on the check...and I was charged overdraft fees!

This inattention to detail is unfamiliar to me, having worked as a document-preparation- specialist for TWO major investment-banks and a "Big-6" consulting-firm (whose most recent client under my artistic-watch was my own bank!)

I guess when mishaps of this sort leave ME in greater debt than I would have been had people been paying attention to detail, I genuinely wonder how long it will be until someone with significant money in the institution will float-along carefree in their financial-security without yanking their money out of this place.

I don't want it to happen...but I know how people with millions in investment-funds get when clerks drop key notations like CHECK-DATES! :(