Cummings: November 2011

Tuesday, November 15, 2011

Banks

Today is the first time I have really spoke out about this problem. Though I think the protesting is over the top and they should focus there energy on educating people in a more civilized manner about the problems with banks and why non-profit credit unions are wonderful (I love my credit union). I have 2 experiences to share

1. a carefree naive 18 year old opens a bank account for depositing paychecks from his part-time job. When he makes his first deposit into his account he accidentally writes down the account number of his savings account and not the checking account number. Big problem, now every time he uses his debit card there really isn't any money there so he is being charged an overdraft fee every time. This resulted in over $1000 in fines by the time he noticed what had happened. The bank did work with him and lower the fine to about $200. Not to long later the bank got into some big trouble over doing similar things and changed there policy. (I would still never bank there even though they made it right and at my credit union your savings account backs up your checking).

2. A 45 year old has been sick most of her life. Her husband started a business about 10 years ago and was doing great until the housing market took a turn for the worst. They are not getting by. When they have an over draft with their bank they are charged a fee for each transaction everyday until more money is put into the account. There are a few steps these people have not taken that would improve their situation but that is beside my point. (guess what my credit union does not do that either).

and that is my quick little rant about greedy for profit banks.

But in the end making it more convenient to buy American made products would solve a lot of problems

Thursday, November 10, 2011

Much needed update

So my little Allyson only weighed 9lbs 9oz at her 4 month check up way under the 12lbs she should have been. She had been throwing up so much she was not keeping enough down to grow. They decided it was acid reflux and gave her medicine that has helped a lot but she still throws up just not her entire meal.
They had her back at 5 months for a weight check by then I was giving her 1st stage baby food and she loved it. She weighed 10lbs 9oz.

wiping her face after her first apples

she loves her papa

Hanging out on a hot summer day

She got a jumperoo and didnt like it and she was too small for it

then she changed her mind and loves it

At the end of October she weighed 12lbs 10oz! She is now back on the percentile chart at 1.5%. If she continues this pattern she should be caught up with other babies her age before she is 1! Allyson is now 7 months old! She sits up by herself and rolls everywhere, she is starting to scoot a little on her stomach!
7 months!

So we moved over a month ago. It is going good. Ty has a 10 minute commute which is wonderful on days like today when he had to be there at 1pm and gets off after midnight. We have been going back down to what I will always call home whenever he has a weekend off.

We were able to spend the weekend before Halloween down there and I stayed for Halloween. Allyson's Halloween started on Fridays when she was a Beatles fan