Thank You Whoever You Are!

January 21, 2009

Today’s local headline was about fraudulent charges posted against a few of our member’s accounts.  This was related to the breach which also made headlines late yesterday and today.  Heartland Payment Systems has issued a statement about the security breach at www.2008breach.com.  You can read what we said about it here on our main website.  You can also rest assured that there was no breach at the credit union or with any of our vendors. But right now I want to say “Thank You” to the anonymous member who, just 15 minutes after the initial story came out on the Register & Bee website, went online to speak up on our behalf.  Here’s what was said:

“PCU is doing an excellent job of handling this. I had my money back within 1 hour of discovering the fraudulent charges. They also said they are going to call people who have suspicious activity on their account who may not do online banking and find the error.
It’s nice to know when something like this happens that they are going to do everything to make it right for you.”

Thank you!

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“Why Save Money?” or “Bad Things Happen In Threes!”

January 8, 2009

“Bad things happen in threes!”  At least that’s what the refrigerator repairman said.  It all started when we went on vacation to Gatlinburg, TN with my family which lives mostly out of town.  It was a great trip!  We stayed up late playing dominoes(I won rather handily BTW).  We got stuck on a mountainside and had to engineer our way down.  Even the long drive wasn’t bad.  This was one of the best vacations in recent memory.  But when we arrived at home 10pm on New Years Day it all unraveled!

Before I had gotten out of the car my wife says something loudly from the back door.

Link to Repair a Broken Refrigerator

Link to "Repair a Broken Refrigerator"

Our refrigerator was dead.  Hundreds of dollars worth of food now sat spoiled on the shelves.  On our beautiful wood floors there was an unholy mixture of previously frozen items from the freezer.  The floors had already started to warp from the moisture.

The cleanup lasted well into the night and early morning.  When I was just about done cleaning the floors  I thought about Murphy’s Law, “Anything bad that can happen, will happen.” Then I thought, “This is why I have money in savings.  I need to be an example to my family and the ones I care about to show them how to responsibly cope with little disasters such as this.  Bring it on Murphy!  I’m ready for whatever you can throw at me!” It was about this time that my wife noticed some little bugs in the house.  No problem, they probably came in when I had the doors open dealing with the fridge.  Wrong.  Our Christmas Tree(real tree) had about a thousand little dead bugs lying under it.  We figure they were in the tree and must have prematurely hatched outside of their natural habitat.  A few survived and were now living in our house.

On to round two where we hurriedly took down the decorations and escorted the tree outside!  With all the cleaning and vacuming done that night, one might have thought we had the mayor coming to visit the next day.  But all in all this whole thing was a breeze to cope with because there’s no question of how we are going to pay for the repairs.  The fridge was fixed for $120.  The bugs were no big deal once the tree was removed.  The floors might cost as much as $500 to repair.  Nothing a little savings can’t handle.  Now, taking the repairman’s advice, we’re waiting for Murphy’s third pitch.  Nothing yet, but I’m checking the air in all the tires!  We’re confident that whatever comes next, we, and our savings, will be ready to tackle it.