Banks and Money

I almost hesitate to post about this.  It involves moving money around and, if you don't have it, reading about it is probably awkward and and annoying.

I have an account at a Credit Union from my career days.  And I have an account at a regular commercial bank.  I recently discovered that my Credit Union pays somewhat better interest on savings accounts than my commercial bank does.  So it made sense to transfer money from my commercial bank savings account to my Credit Union savings account.

My point of writing about this is how HARD it is to transfer the savings and it doesn't mter how much is involved. 

These days, you can do almost any financial transfer online.  But apparently not between a commercial bank and a credit union!  There is some barrier between them.

I called the credit union first.  I assumed there was some information about them I needed to enter into the commercial bank website.  They disabused me of that notion real fast.  "Can't be done online", even though I'm online with both the credit union and the commercial bank. 

"Can only be done by 'wire transfer' ".  And by the 10th piece of information, with more to come, I called a halt!  I asked, what if I just gave you a check from my commercial bank?  Couldn't you just deposit it in my credit union account? 

"Sure", they said, "just mail it to us, but we need to look up how to receive a check and we'll call you back".

ARGGGGHHHH!   "Dumber than a bag of sand" comes to mind.

It never occurred to my credit union "helper" to mention that to begin with?

Its not like I'm Donald Trump trying to send them a billion dollar check.  I just would prefer to get .35% on my savings at the credit union as opposed to .01% at the commercial bank.  Its not like the difference is going to get me a world cruise or anything, but why deliberately get less, right?

I'm only going through this because my credit union is an hour away now, and I'm beginning to wish I HAD just driven there and handed them a check.

No wonder that rich people have accountants to tell to do things like this.  If I was Donald Trump, I'd have an specialist bank accountant too.  Its maddening!  You would think I was trying to convert Russian Rubles into Swiss Francs through some fly-by-night African bank. 

And here I sit, waiting for some "expert" at the credit union to call me back with details on how to send them a simple check safely.  Feeling like an idiot for causing a fuss... 

I'm sure glad I didn't spend my working years involved in finances...

Ponderosa Pink Heirloom Tomato

I got my first ripe heirloom tomato today.  It was a Ponderosa Pink.  It wasn't great, well, the first ripe tomatoes of any kind usually aren't the best.  But this one had a special meaning.

You see, my Dad (deceased 2014) loved them.  I think that is what his Dad grew and to him, that was THE tomato.  Dad used to save seeds from them and regrow them each year.  Dad wasn't a very good gardener.  He just planted stuff in bad soil and went full-out chemical on them.  It was a very "modern" 1950s/1960s thing to do. 

We kids hated his garden.  He grew kale, for example, and we had to eat it.  The kale was so "metalic" that a magnet might have stuck to it. The corn was always too startchy.  The beans were OK.

But the tomatoes were pretty good, the few that grew.  Ponderosa Pink.  Dad saved the seeds in a paper bag in the garage.  As the conditions were bad in the garage, I'm surprised that any sprouted at all.  The year Dad and Mom left that house and moved north, the bag of seeds disappeared.  Dad always said he gave me the seeds, but he didn't.  The loss of the family Ponderosa seeds was a deep disappointment to him.  I assume that the bag of seeds on the garage shelf just got left behind and the new occupants tossed them away.

I followed Grandad's gardening practices.  He was organic, and his veggies always tasted good.  I suppose he also had good Ponderosa Pink tomatoes, but I was too young to know about varieties then.

As years passed and I got my own space for gardening, I looked up some of the best heirloom varieties of tomatoes.  I grew Brandywine, Cherokee Purple, Prudens Purple, Aunt Gerties Gold, and Cherry tomatoes.  I didn't grow Ponderosa Pink. 

But I got curious about Ponderosa Pink this year and found a place that sold it (It doesn't seem to be very popular).  The shipping was more than the cost of the seeds, but, "well, what the heck".

So the first heirloom tomato I harvested this year was a Ponderosa Pink.

Dad, this one is for you...

A Surprise

Remember the "stick war" that seemed to be starting with a neighbor?  They aren't those original neighbors.  I looked up the property and it was sold 4 years ago to new people.  I got fooled because the guy looked the same (tall, skinny, beard).  The woman was different, but people change spouses, ya know?

They probably don't know they have any responsibility for the drainage easement and storm drain.  So I'm just going to quietly pick up the branches for now.  When I get a chance to meet them, I'll mention it and see how they react. 

I hate being wrong...

Some Details

Yesterday, I referred to being in bed for 10 hours and a "poacher's shovel".  It occurs to me that both could use some explanation...

FIRST, the 10 hours in bed (and sometimes it is more).  As a child, I was an early riser.  In college, I took early morning classes because I was up and ready to go.  My 35 year career had me up at 5 am to leave the house by 6 am to meet a carpool at 6:15 to get to work by 7 am.

When I retired in 2006, I just collapsed and went to late mornings.  At first, I assumed it was just a temporary reaction to all those years of getting up real early and that I would get "back to normal".  I didn't.  I can only get myself out of bed before 10 hours if some contractor just HAS to be here at 9 am.  And I feel wrong the whole day after. 

Well yesterday I read an article about sleep patterns.  I forget which magazine (National Geographic, Scientific American, one of those), that said we modern people are off our traditional sleep schedules.  Basically, we wake up to artificial lights, stay up late with artificial lights, and go suddenly to bed after 16-18 hours of bright lights.  Practically every gadget we own emits some light, and that has some effects.

According to the article, sleep research and historical research suggests that, before artificial illumination, we were awake after dark for a while and we used to have a different pattern of sleeping that involved a period in the middle of the night akin to meditation.  Something like 4 hours of regular sleep, 2 hours of general semiwakeful calmness, and then 4 more hours of regular sleep.

There were writings from less modern era people regarding things like "after my first sleep" and (paraphrasing) "then after some restful thought, I returned to sleep".  And history is full of examples of people who had great insights in that "restful thought time". 

My jobs+commutes used up from 5 am to 6 pm every workday.  Gave me 3 hours to make dinner, clean house, play with cats, do yardwork, etc, and then it was back to bed again to get 8 hours maximum sleep (even if I fell asleep at once, which seldom happened).

And it struck me that that's what I've been doing ever since I was freed from the requirements of regular job hours!  I've been going to bed after an hour of low light, sleeping about 4 hours, laying in bed lightly awake and contemplating things as I lay there, and then drifting off again for another 4 hours or so.

I think I have been getting into that pattern because I have the bedroom completely blacked out.  I put acoustical tile in the bedroom window years ago because the *%#@ Spring Peepers used to keep me awake at night.  But it also blocks out the morning sun.  And I keep the door nearly closed.  It stays dark in my bedroom.

I think they may be on to something that we have lost.  And that I have fallen into by fortunate happenstance.

SECOND, I referred to a "poacher's shovel".  It's a narrow shovel.

Apparently, it was originally designed to be assembled from pieces (blade and handle that could fit unobtrusively in a backpack) onto a shaft that looked like a simple walking stick, it was used for digging valuable plants out from rich folks' gardens at night and leaving a small hole that could be easily filled in with surrounding soil.

Today (hopefully), it is more a convenient "foot-powered trowel" for getting at deep-rooted weeds among flowerbeds.   I love mine!  Brambles are hard to dig up among my flowers and against the garden stone borders.  This can get into the tighter spots, and it cuts fewer flower roots.

I just thought that was worth explaining...

Busy Day

It was unusually nice weather today (partly cloudy, dry, 30% humidity and 80F).  I won't see many of those again until September.  So I was up early, for me;  10:30 AM.  I know many of you cringe to think of that as "early",   but an advantage of being single and retired is setting your own hours.

So I started the day with an English Muffin and a cheese/bacon/bell pepper omelet, a glass of green tea, and a glass of V8.  I've been cooking for so long now that all my cast iron pans are utterly non-stick.  They are wonderful!

Fed The Mews first, of course.  AND after.  When they haven't eaten for 10 hours (because I've been in bed), they need a 2nd breakfast.  I'd just give them more at first, but Iza can't keep it down all at once.  And normally, I would let them out afterwards, but it was lawn-mowing day.

So I went out and mowed the lawn.  Takes about an hour for mowing and 30 minutes trimming with the new string-trimmer.  There are a lot of places I just can't mow closely, so I finally bought one of those new 18 volt lithium battery trimmers and it works GREAT!  When they say "it's like a gas one", they are darn close!  I need to get a shoulder strap though; its not one of those little 2 lb jobs...

I let The Mews out after the mowing was done and the fence gates were shut...

After that, I decided to attack some of the brambles that have been invading the more civilized part of by back yard.  My "poacher's shovel" is great for that (think of an industrial-strength 18" trowel on a shovel handle).  I need the narrow blade because the brambles are among plantings.  I got about a dozen dug up.

Then I needed to do some watering.  All you sufferring from drought, forgive me, but we have had unusually frequent rain here and I almost didn't notice we had finally gone a week without any rain.  I started the watering because the annuals I still have in pots looked a bit wilted.  And once I get a hose in my hand, EVERYTHING gets watered, LOL!

Not that I water everything by hand.  I have a tripod with a fan-nozzle attached that I build a few years ago.

This original had a shower spray nozzle, I replaced it with one that spreads more sideways.  I use the shower head nozzle for hand-watering now.

And then I had to water the enclosed veggie garden.  I'm not used to the tight spaces yet, so it is a bit awkward.  I'll get the tricks for worked out this year.  Watering the 6 new raised beds takes a good 30 minutes.

And THEN I had to water all the deck containers.  I tried just filling and re-filling a watering can to water them, but that got pretty tedious.  I thought I would try either one of those super limp hoses that collapse back into a small container, or one of those coiled types that stretch out and fit back in a metal holder.  You've seen them on ads. 

But I was at a D-I-Y store and I noticed they were using the coiled type themselves.  So I figured they probably have some experience with their products, and bought the Melnor green coiled one.

So far, it is working very nicely and sure doesn't take up much space.  I screwed the wire frame to a piece of exterior plywood and attached the plywood to the side of the deck.  A short hose reaches to the multi-outlet water outlet.

For the record, I use one outlet for the hose to the deck, one for the hose to the nearby lawn, one to an industrial strength hose that goes 150' to the back veggie garden, and one for a jet nozzle right at the spigot that is useful for many things (cleaning buckets, hands, boots,  etc).  Dragging hoses all around the yard is both difficult and damaging to plants (I have the entire area around the spigot planted).

So I came back in at 6 PM and decided about dinner.  I decided I'd earned a steak.  I buy them in bulk from the local meat store, cut them in half, and freeze them in sandwich bags (wrapped in a bigger bag, wrapped in a heavier bag - no freezer burn).  So I stuck one bag in a pan of hot water (gentle thawing), made a nice home-grown tomato salad (with some minced onion, chopped cucumber, and shaved carrot), sauted some wedges of red and green bell pepper, M/Vd a potatoe, and poured a glass of wine while I sauteed the steak (its more stovetop-roasting in the covered cast iron pan). 

Dessert was cut-up fresh fruits (cantalope, green grapes, a plum, a navel orange, and some prunes).

Life is good...

Now I need to consult with The Mews about what they want to post for tomorrow. 

The Garden Inside

I have been planting while I built.  I risked losing plants to the Evil Squirrels or Groundhogs, but I've managed to avoid them this year.  I may have reduced the local population down to where they don't like getting into my space.

Which is good, because there are still gaps between the rolls of chicken wire I need to patch. 

They great news is that my garden, while incomplete, is growing well.

First, I have my first main season tomato.  It is a Big Beef, which is a hybrid and not my favorite, but it is still better than the store-bought ones.  The heirlooms are just now fruiting and will take a couple weeks to ripen.

I'm trying somehing in one bed based of the Three Sisters of Native America plantings.  Thats growing corn, letting pole beans climb the cornstalks, and growing melons below to shade out weeds. 

I may have planted the corn late; the beans are growing faster.  But I'll see what happens for this year.  I can stick 8' posts in the ground between the corn plants to let the pole beans climb (and the pole beans are the flat italian kind which taste better than standard ones to my mind).  The melons are honeydew.

The heirloom tomatoes are growing unusually tall.  New soil with good compost, I guess.  But most have blossoms now.  Below them are 2 green squash and 1 yellow squash.

This bed has cantalope melons.  I'm planting Fall crops around it.  I'm off-schedule with most plantings this year because of the enclosure construction work.  I should be back on schedule next year.  But it is a rare opportunity for Fall crops that I usually don't get around to.

This cherry tomato was planted late.  It sat in a tiny 6-pack cell for months and I had about given it up for dead and/or stunted.  But after being in ground for only 2 weeks, it went from a 8" sprig to this.  Talk about GROWTH!  I may harvest cherry tomatoes yet...

This is more late plantings.  Broccoli, Leeks, Cabbage, and Celery.  All I can get from Celery around here is leaves, but they sure are strong-tasting!  Which is exactly what I want in my salads.

And I have Brussels Sprouts, Radishes, Carrots,

The Garden Enclosure

The door is set in place.  Finally.  It was a struggle, and one I didn't expect.  I originally laid the door on the basement place and build a frame around it that seems accurate and solid.  The idea seemed so simple.  Build a frame around the door, measure the distances between the frame parts, and dig holes in the ground to put 4x4 posts to match so that the door frame could be attached to the 4x4" posts.

HAHAHAHAHAHAHAHA!!!!!!!

Reality intruded...  Even with screws every foot. the frame sagged as I tried to put it up to the posts.  And even 4x4" posts move some even when set 2' deep.  It's not like building a door into a house where everything is pretty solid.

I won't bore you with the details.  No, wait, I will.

First, I tried to just attach the hinge side of the door frame to the 4x4" post that had been set into soil and rocks crushed as tightly as I could get it, for 2 weeks.  Well, we've had a lot of rain lately and apparently the soil wouldn't dry deep.  I tried everything I could to keep that post level and packed.  I tamped the soil around it with a short 4' piece of 4x4" post, I stomped around, and I surrounded it with plastic sheeting to keep the rain away.  I clamped other 4x4" posts to it in 3 directions to hold it in place.  I gave it time to dry.

When I finally attached the door to the hinge-side post, I braced the door so it's weight wouldn't pull on it.  It finally seemed to be set in place.

So then I worked on the latch side.  I somehow had mis-measured the first time I dog the hole for the supporting 4x4" post on that side, so I pulled it loose and did it right.  I got it right the 2nd time.  Well, the "distance" was accurate.  But the squareness of the door frame was off.

ARGGGH!

I did some annoying unsquare connections to make the door frame fit the posts.  I had the door fitting properly, but the next day it wasn't.  The latch-side 4x4" post has settled a bit.  I wedged it up a bit with a board on the ground and shims pounded together using the ground board as a support) to raise that 4x4" post slightly (to square the frame).  That worked.  For 2 days...

Then it was out of square again!

There are times when I know I do not really have skills at this sort of thing.  But I can be obnoxiously persistent.  Sometimes dumb persistence and determination overcomes lacks of skills.

I FINALLY got the door frame solid with enough corner braces and screws so that, even if the posts shift slightly, they shift together as a unit.  The door latched.

And then it DIDN'T!

It was REAL close, barely catching or not.  Well, the latch may need some work.  But it was mostly just a matter of 1/16" between "sometimes" and "always" latching.  A professional would have taken some things loose and adjusted them to fit.  But I was at the limit of adjustments and would have had to a lot of filling and redrilling.  But I found some "give" around the metal door frame.

A shim stuck between the post and the metal door frame gained me that 16/th inch.  Hurray, the latch clicks closed with a simple swing of the door.  For now (after 2 weeks of fighting), it shuts and latches smoothly.  And I have a couple ideas to connect the door frame more solidly.

If it shifts more and refuses to latch again on its own, I will just put a hook&eye to hold it shut.

But everything seems to be working on the door a week later now, and I'll declare victory on that part.

It's not pretty, but it works...  And sometimes, that's the best I can do.

Next time, the inside of the garden enclosure...

Headphones

I like to watch TV while I am am working in the kitchen.  But I also make a lot of noise in there (running water, etc) which overwhelms the TV sound.  And that's even with running the TV through the stereo speakers.

So I researched wireless headphones.  Most got poor ratings, but mostly for not trnsmitting through rooms walls.  Well, that wasn't my concern (I'm still in direct line-of-sight to the TV).  So I bought a well-rated wireless headphone.

I couldn't get it to work.  There were 2 ways to connect them.  One was  direct from the headphone plug to the back of the wireless headphone station.  The other was from the back of the headphone station to the A/V controller unit (whatever you call the device that lets you select the various other devices like TV/Stereo, DVD player, etc). 

The cable to plug into the device controller headphone unit was too small though the audio in/out fit perfectly.  No arrangement of plugs allowed the audio-out connection to work.  So I needed either an adapter plug to fit betwee the small plug and the headphone plug.  I hope that makes sense.  I assumed there was an adapter plug to fit from th small headphone plug to the larger one.  

So I went to Radio Shack, of course.  They opened and tried several adaptor plugs which didn't work.  I suggested maybe there was a cable that matched all the plugs.  The salesperson at Radio Shack didn't think so. 

I found it on the shelves myself.  Am I the only one how thinks Radio Shack personnel aren't as experienced as they used to be?  I had to find a rather obvious cable MYSELF!  At Radio Shack!

So back at home, I plugged it in.  It worked perfectly.  The wireless headphones work great.  But nothing is perfect.  Plugging the headset in cuts off the stereo speakers.  Worse, my radio won't play whether the headphone plug is in or out.  I'll have to explore that.

But I have to say that while the dishwasher is running and I an running sink water to clean dishes or get hot water, I CAN hear what is on the TV.

Small victory...

The Garden Enclosure

Its not finished, but I did finally get the door set in properly today.  It doesn't sound like That Big A Deal, but it drove me crazy to the point where I just stopped about it for several weeks (and did other useful stuff). 

But I went back at it 2 days ago.  It not elegant.  The half-lap joints that fit so well on the basement floor didn't fit well out in the garden.  I'm guessing that there were fitting options that options that "from basement floor to reality" were not right.  Putting posts into holes in the ground is not quite like the frames sitting on a nice level basement floor. 

But with enough support (uprights, cross, and sideways), I got the door to close smoothly and the lath to connect.   I bet any professional would cringe at the work I've done.  But as long as it latches closed, it doesn't really matter.  All it has to do is stay solid.

And then its worth finishing the chicken wire.  All I have left of that is wrapping some corners where the 4' rolls didn't quite reach.  That involves some cutting and pacthing using leftovers, but I have enough of those.

It will be SO great to have this completed.  Pictures when it is really completely done.  But the "damn door" was 90% of the unfinished work, so I am about there.

Neighbors

This isn't about a HORRIBLE AWFUL neighbor who does completely TERRIBLE MEAN things.  This is about a long-time merely annoying neighbor who just finally got me all ticked-off today.

OK, lets say you have a drainage easement along a property line.  And that drainage easement is shared by a neighbor.  And you are mutually legally responsible for it (the storm drain itself is a county responsibility).  The responsibility means keeping it free flowing right into the storm drain (meaning around the storm drain and the grate on the top of the storm drain is OUR responsibility).

Let's say you have had that same neighbor for 28 years, they refuse to pay any attention to cleaning (because their yard is higher and the occasional flooding caused by the debris-covered storm drain never causes them any problem), and you have mentioned this very politely several times over the years.

Let us further suppose that you have cleaned the sides and grate numerous times.  And picture the sides and top as "beaver dam material" - interwoven sticks and small branches that fill in with leaf-packed mud like the squishy stuff at the bottom of a natural lake but also plastic bags, fast-food containers, and general trash).

And let us further suppose that you had spent over an hour 2 weeks ago wedging the sticks and branches loose with an iron bar (throwing most of them onto your own side of the property line) before ripping loose handfulls of leaf-packed mud and feeding them into the newly-rushing water escaping into the now partially opened storm drain to break apart in the flood-flow.  And you are doing all this bent over at the waist with pooled water 3/4 the way up your boots.

After doing all this work, you clean up your property side, but also pick up all the trash plastic bags etc on both sides and fill up your trash can.  You leave the 1/4 of the sticks that happened to land on their property while you were pulling them all loose so that they will notice it while mowing and see that you have cleaned the storm drain grate ONCE AGAIN!

I don't usually act passive/aggressive (and it wasn't intended to be the "aggressive" part).  But I almost never see those neighbors outside and I didn't want to go bang on their door with my muddy hands and temporary annoyance.  I figured they would see the branches, see the cleaned storm drain grate and just pick up their minor share of the sticks pleased that I had cleaned the storm drain again...

Nope!  Are you surprised?

And, then imagine that after all that neighborly work, you return home today from errands to discover they have picked up all the sticks and dropped them onto YOUR lawn...

Now THAT's "passive-aggressive"!

I suppose I have to go knock on their door some Saturday afternoon and discuss it.  Again.  Explain the work I did, that I picked up most of the debris and all the trash, scooped the leafy mud with my bare hands, and that I am tired of doing this myself all the time when we are both responsible for it, and that I expect them to clean the storm drain grate themselves sometimes.

Not to get too far afield, but I DON'T like having to tell people what they should be doing.  I avoided several management offers in my career for that reason.  So I really don't want to go knock on their door and surprise them with a complaint (they may be utterly clueless).

Several ideas come to mind...

1.  Knock, knock.  "Hey neighbor are we having a stick fight"?

2.  Knock, knock.  "Did you notice I cleaned the storm drain in June?  It's your turn every November". 

3.  Knock, knock.  "Thanks for the sticks.  Is that a cultural gift I should know something about"?

4.  Anything else.  But please don't suggest "I should have just picked up their sticks as well".  I won't go for that one.

I'm willing to have a minor fight about this if there is a positive outcome.  But they seem to have some problems.  They half-built a garage and then let it stay that way for many months.  They did some yardscaping another year and that stayed half-done for several years.  A psychologist friend of mine said those are signs of personal and/or family dysfunction. 
 

My Deception Detector

Everyone seems to have some special talent.  Some people know instinctively who to trust.  Others can tell compass directions even down in the subways.  Some can choose the perfect gift every time.  Others can field a hard-hit ball, or dodge a speedy object (I saw a guy who could catch arrows aimed at him once), have great balance, etc.

I have a false-statement flag in my brain.  Most people don't (or else there wouldn't be deceptive advertisements).  I call it my "bull-shit meter".  I don't mean that I'm a skeptic who simply suspects every statement.  That's just a negative way of viewing the world. 

But I can hear statements that immediately don't ring true to reality.  Its not even concious, as if I heard the statement, thought about it carefully, and disagreed with it.  It's an immediate "WHAT?"  I don't even have to be paying attention for the "flag" to register.  I just "hear" false statements better than most.

Sometimes I'm doing housework with the TV on and the *DING* happens.  I even have to work to figure out what caused it.  Its usually a commercial and I see the ending of it enough to watch for it the next time, to find out what the *DING* was about. 

The latest one is some drug that specifies that (paraphrased) isnt for weight loss but can help in weight loss.  After paying attention a couple times, I realized that a side effect was diarrhea.  Well of COURSE that causes weight loss, DUH!  But it took several intent listenings to catch the deception.

Well, I heard one a week ago that really bothered me and I couldn't figure out what was getting my BS detector activated.  It was for some astronomy online or DVD class.  I should mention that (so far as I can tell) I am (mostly) immune to advertising.  Well my BS Detector helps, but I also buy products after research, and that helps too.

I finally caught the part of the ad that got my subconcious detector buzzing...

One part said "find out why Venus disappears at Midnight".  That didn't make sense and it really bothered me.  I'm a science-type guy.  And that "at midnight" part bothered me.  Why "at midnight?"  That's a pretty specific time...

I did some back-of-the-envelope" sketches and couldn't find anything special about "midnight.  Well, actually, one part was obvious.  At midnight, we are looking at the outer solar system, and Venus is in the inner solar system. 

Now I know the basic general distances of planets from the Sun.  Each one is "sort of" 50% further from the sun that the previous one.  Its nowhere near exact, but its a general estimation.  So with Venus having a smaller orbit nearer the sun, as the Earth turns, your spot on it turns away from the Sun.  And since Venus is closer to the Sun than Earth, your spot on Earth turns away from Venus, too.  It just takes longer because Venus is further from the Sun.

In fact, Venus is "about" 45 degrees from the Sun from our maximum POV.  Sometimes zero, but never more more than about 45 degrees.



So that ad for the astronomy "class" just burned me up and NOW I know why.  "At Midnight" is a deceptive come-on, it sounds "special" to midnight.  We only see Venus a few HOURS after sunset or a few HOURS before sunrise, not just "can't see it at midnight". And THAT is what set my subconcious BS-Detector off, even though I had to spend some time figuring out exactly why.

Independence Day

Suspicious Investment Advice

I went to the bank to start buying a series of 12 month CDs each month that would mature about once every 12 months for liquidity without penalty.  I can get better returns from my Credit Union, but the bank said they would match that.  Well, OK, that's more convenient.

Instead, I got sales pitches for riskier investments.  GRRR!!!  But on the possibility that I was missing out on some decent investments (and not outrageous "shooting the moon" types), I researched the advice.

I found lies at worst, and evasions at best.  I won't be trusting my commercial bank for any investments, LOL!

A wise person once said that you should never invest in anything you don't understand as well as "they" do.  I agree. 

I was set on guard when the investment guy at the bank started by asking me a lot of personal frendly questions designed to elicit a "yes" reponse.  But I know about that trick.  Once they are friendly and get you saying "yes", it is harder to say "no".  I can say "no" (and did),

One way to judge those questions and statements is to ask, "what would an honest person say and what would a dishonest person say?"  If the answer is the same for both, then be very careful.

As in what do innocent people in jail and guilty people in jail both say?  "I'm innocent".  Or if you are astronomy-minded, how do you know the Earth moves around the sun and not vice-versa.  It looks the same both ways, but only one is correct. 

I did some research on what the bank investor guy said.  Some statements were clearly true, but a few were clearly false.  A single persuasive positively-presented false statement negates all the true ones so far as trustworthiness is concerned. 

So I do not trust my current bank to support MY interests, and will be changing it soon. 

And all because they set up a meeting to do one thing I came for and pushed another I didn't...