Finacial Wizard I Am Not!

I often wonder what it is about banks nowadays. Why do I generally detest them?

They are not like the ones I knew way back in my childhood. The clerks and the bank manager; all of them knew you by your first name. All you had to do is pick up the phone; if there was an overdraft, they would wait until your pay check was deposited and you were covered. If they charged you a fee it wasn't over a couple of dollars. Generally speaking you were not charged.

Banks were in the business of making money but they showed real respect towards their customers and would do everything they could to help them out. I was told by my Mother that in the late 20's and early 30's when peoples farms were being foreclosed it was different in Unionville. Our bank manager in town bent over backwards so that his customers could stay in their homes. Because of him not one of our local farmers had to sell and move away.

I had a bank account at that bank from age 6 to 13 and at another branch of the Bank of Nova Scotia in Toronto right until I was in my 20's. Trouble didn't start with the banking system till after my 50th birthday. It started after my husband died in 2001.

I have always had my own money and my own account whether I was single, married, divorced or widowed. Well, if it hadn't been for some really good friends in the last 9 years; because of overdraft fees here with the state side banks I might not have made it financially. Now it isn't because I over spent. It was because of the way banks operate nowadays. For example: They know you get a check in by say the 30th of the month. They also know that you need to eat the day before and instead of waiting until the day you get paid they charge you an overdraft of thirty dollars on 5 or 10 cents over the limit. That is the sort of thing that has caught me up for the last 9 years. It is absolutely ridiculous! I reckon that I have lost well over $10,000 in those 9 years to that bank in Oklahoma.

My point is these people don't know you well or try to get you to know you well. The clerks are over burdened with duties and people are very strained in business relationships these days. Neither do I live in Unionville anymore. I live on Long Island, New York but I have to tell you; the manager at my local branch seems to be the kind of fella we had at the Bank of Nova Scotia when I was a child. Perhaps this bank will treat my money like mine not theirs.


Note: Found out what is wrong with my legs. I have chronic osteoarthritis. It can't be cured but the pain can be managed and I am not giving up or in on this.

Emergency Trip ASAP And Other Observations.

Hi Folks! I am going to go to the hospital emergency as soon as possible. My leg truly needs looking at and it hurts worse everyday.

Other than that life is wonderful on Long Island. My three animals have adapted well to their new life with our friend Dennis. We all love our new apartment. We have a bounty of technology as well as the simple things that make life enjoyable. I have had quite a bit of time to get used to the area we are in and I am absolutely in love with my neighborhood. There are friendly business people as well as friendly neighbors. It is everything and more than I hoped for when I was packing in OK! I hope that everyone moving this summer is this fortunate in finding a place to live.

As has been of late; this posting will be short and sweet. Until next time ... have a good day and God bless you all.

Here At Last And Almost Settled!

Well I finally got here. It is a wonder but I am getting settled and happier by the minute. Have had way too many moving company problems! If you want to have a happy trip to your final destination then don't use Final Destination Movers. I have to file a complaint with them. To many articles broken and two not even delivered. Enough said.



My new neighborhood reminds me of Connecticut or Rosedale area in Toronto, Ontario. It is idylic! Our new apartment is lovely. Lots of things to be hung or set up yet; but that is okay, all that will come in time.

I am writing this on a friend's computer as mine still has to be connected to the internet. See you when that is done with the next post.

We need to find a HOME Again!

Thanks to a new friend in NY my fur babies will have a place to lay their little heads for awhile. The new place in NY unfortunately turned out to be nothing but a con by a fake project manager of a nonexistent company. So we have to find a new place by the end of June. However I am still on my way to New York tomorrow.



We need to rent a one bedroom apartment, on Long Island in northerly section of North Massapequa, or Bethpage or Northwest Farmingale near Boundary Avenue give or take 7 to 10 blocks in either a north or south direction or in Plainedge near Wyoming Ave please tell me in comments or use help@ruthshultz.com email. We have two very well behaved Tabby cats and an equally well behaved 6 lb Pomeranian. They are part of the family and we can't adopt them out. Surely you can offer a place for us. Children and teens, God Bless them; often make a great deal more mess and can not be discriminated against...why should are furry friends go without us or a home?

We also need a covered space in which to keep and charge an electric bike.

Very Excited

Got a new home, in a new state, with new people and new things to experience! Believe me folks no one is too old to relish that! Will be set up and with you next week....Till then just have a...



I will soon be a real old homebody again!

Terrific News

Got some really terrific news today. First I am going to be able to move out of this house before the end of the month. I heard from the friend that lives in another of the eastern states and although not well they are alive and kicking. A friend of mine is coming to help me pack for 4 or 5 days next week; which considering my bum leg, will be a God send. So pretty soon I can put the imaginary traveling music on and enjoy my new home!

What amazes me the most; even though I am going to love getting to Long Island, I find that I miss friends in Oklahoma City a lot already. It seems this way often when we move, at least this has been my experience. This will be my last post before moving. My next post will be from Long Island. I hope that all of you will check my blog in mid June for that.


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