One more month and 2024 turns over to 2025 and I've been writing this blog for much longer than previous attempts. Happy December to you and yours. It's evaluation time, we'll see what happens...
Thursday, January 9, 2025
Saturday, November 30, 2024
I Was Tricked by Fraud at Christmas...again!
5 Target gift cards at $250 each...
This is Judy in the Cottage and I fell for an elaborate fraudulent setup. It cost me $1250. This is real and it's now and very scary and I was clueless until this morning at 10 am.
It started yesterday morning. I opened my laptop and was in process of downloading a KJV Bible from a reputable website. All of a sudden the screen changed and a voice along with flashing headlines that said things about "Your IP address has been compromised along with your cell phone and financial data. Do not close this window or turn off your computer. Immediately call Micro Soft fraud department at.......................
I looked at the screen over and over again, turned the sound off trying to decide what to do. Several times the statement "do not change the screen or turn off your computer, immediately call ...................................
After a few minutes I called the number on the screen. I talked with a female who introduced herself as a representative of Micro Soft Fraud customer service. She asked me several questions about why I was calling and what was on my computer screen. She went through the scripted description of what had happened to my computer and that all my personal information had been compromised including my phone which means the conversations were being listened to but she had isolated my call and we were on a secure line. She talked about the IP address and all that had that address was involved in the compromised. My IP address would have to be changed and she was already working on that and asked about the name of my bank which I told her. She told me that she was not allowed or authorized to ask me for information regarding my bank account and I would be transferred to the fraud department at my bank.
My call was sent, or so it seemed, to a man introduced himself as Travis Johnson, and h gave me his ID# and his phone number in case our call dropped I could call him back or if I had questions he would be happy to answer them. I made note of all the information he gave me. He told me what would have to be done and first there would have to be a duplicate transaction at the bank. In other words another withdrawal from my checking account in the same amount as had already been made and that was necessary for the bank to get the original deducted amount duplicated so that that amount could be recovered.
He then gave me instructions on what to do. I was to go to a grocery store that sells gift cards and buy 5 cards from one of the 3 merchants he suggested. Amazon, Target, and Soma. I was on the phone with him in the grocery store and told him I found Target cards. He asked what denominations they were for and I told him what the card said $10-$500, He directed me to get 5 cards and go to the register and put $250 on each one of the 5 cards using my debit card. Be sure not to tell anyone what I was doing and if asked the cards are for gifting to family. So I did what he said and left the store with the purchased cards.
When I got home I was to call him. I did and he asked me for the numbers on the back of each card which I gave him after scratching off to reveal the numbers. He then told me that it would take until in the morning for the bank to process the second deduction to get my money back in my account and that he would call me at 10 the next morning which was this morning 12-30-24. I waited for 10:00 am and the call didn't come so at 5 min after the hours I called the number I had been calling to talk Travis and the number rang and then went to busy and then some other sounds. I hung up and tried again and the same thing happened again.
I hung up again and called my local bank and talked with the mgr and he said it was fraud because the bank would never direct anyone to buy gift cards. He asked if I had given the numbers off the cards and I said no. After I got off the phone I remembered that I did give Travis the numbers off of the gift cards.
The bank mgr had told e to call the fraud number on the back of my debit card and I did. I spoke with Crystal R and she described the process and asked questions for the claim she was taking for me. She told me that it would be 5-10 business days before a determination would be made and whether or not money would be returned to my account!
The balance left in my account is what I spend on groceries in a month. Nothing left for rent or any living expense bills, gas for my car and the amount I had budgeted for Christmas.
Part of me cannot believe I fell for the scam. I say that because about 4 Christmases ago I was scammed for $4000.00 through my Discover charge card. I reported the fraud but did not recover any of the funds. The set up was entirely different then. This time it was much more elaborate involving Micro Soft and hijacking my phone call from MS and presenting as my bank. I got names, ID#'s, phone numbers and full names in some cases.
The part that was the same was the purchase of gift cards and the giving of the numbers off the cards to the man of the phone. And not telling anyone what I was doing but to say I was purchasing the gift cards for family gifting.
I am posting this as a warning. They were sneaky the first time and they got better at it this time and I fell for it. I truly hope the right people read this post this season. I don't know if I'm going to get the $1250.00 back or not through the bank. It was my Social Security check, the only money I get each month. I choose to believe that "no weapon formed against me will prosper..."Psalm 91 and that God will make a way where there doesn't look like there is a way today. I know He will.
This is Judy in the cottage on the last day of November of 2024 and I'm sorry to be posting this story but it's true and it happens so be aware and if it involves buying gift cards don't do it!!! no matter who they are or who they say they are.
UPDATE 12-18-24 I was not able to retrieve any of the money that was taken from me and here's why. The bank would not or could not get the funds back into my account. I HAD authorized the purchase of the cards I was told to purchase. Because I willingly authorized the purchase it didn't matter that I was tricked or that I didn't get what I was told I would get which was the money that had been debited to my account that showed on my online bank account at the time of the event. The fact I was scammed didn't make any difference because the fact is I purchased the gift cards willingly.
Monday, November 11, 2024
Milo
Wednesday, November 6, 2024
There's been a breakthrough!!!
Saturday, October 19, 2024
Miracles Do Happen Today
Aspen
The above painting is one of four paintings I have done in the last 3 weeks or so. I will be posting all four soon with an explanation of why the Aspen and why so many.
....
This post is about a friend of mine who I will call "JJ"! She is 81 and lively, interested in everything with always something interesting and fun to hear about. JJ had not been feeling well for a few days and at the advice of friends and family I took her to a local ER satellite. Within a couple of hours she was in hospital and the subject of all kinds of testing. After all the preliminaries it was decided that she had at sometime had a major heart attach and an angiogram would be administered. On about the 4th morning of her stay the test was administered. All seemed to be expecting that the left side of her heart was dead mostly and much scarring was present in her heart muscle. Very grim. JJ didn't know about what the preliminary test findings were or exactly why the angiogram would be done.
The test results were made known to the family first, but not until the following day. There was no evidence of scarring or damage done to her heart ever. Nothing at all showed up, her heart muscle is as it should be at age 81 for a female. The only reason for her crisis was an infection which was readily taken care of before leaving the hospital.
JJ is home and taking things a bit slower than the norm for her and gaining strength day by day. The apparent infection had gotten into her blood stream thus the need for taking the meds given and living a bit slower for a few days.
It's now been just a little over a week since she got to go home and she's back in full activity, rejoicing at what God did in her body.
Here's what I think! In this world today, the last thing we look for is a miracle. When one does occur the temptation is to explain it away. I say, don't do that! Miracles can and do happen everyday everywhere and to anyone. People have become so cynical and the sad thing about it is, we miss what our Creator is doing everyday. So, what if it isn't a miracle? Yea?, so what? What if it is!? and what if He did it for you! or someone you love, or know or heard about?
God, the Creator of all things created, does miracles all the time. Even in your life. I believe it's a better way to think about the things that happen in our lives as we go along, especially in the days that we are living in.
I challenge you to look for miracles, good things everywhere you are everyday. Start pointing them out to yourself and others. Look for the little things and pay attention to what you are seeing, hearing and what's going on around you. Look for good....I guarantee you will find the good if you intentionally look for it.
It's me, Judy in the Cottage on a Saturday. Hope you enjoy this post and will comment. God Bless all that you lay your hands to as you seek to see his heart for you. Psalm 139
Sunday, October 6, 2024
Something Happened when I Turned 80
It's October, that's nearly 6 months since my 80th birthday and I still am amazed that I'm actually 80 years old or young. "How can it be?" I say to myself quite regularly. It's even reflected in the mirror. I mean I had the normal aging skin as the normal American woman and then along came my 80th birthday. What's that about?
Here's what I have to say about all that....quite honestly I don't understand it? I'm actually still 30ish on the inside, that didn't change! Still looking for something meaningful to do with the rest of my life. (Been doing that since I was 30ish.) I am more sure of myself now than I ever was and even know who I am. Almost think it would have been great if I'd known that when I was 30ish. Plus what I know now about God's heart for me and those around me and learning more about that daily.
I'm actually beginning to realize that I've lived a long time and know things those younger than myself don't know anything about. They have no point of reference, therefore are clueless about some of the things I talk about. Understanding that everyday conversations have my inserts of past experience and understanding from knowledge of how things work that cannot be known by the younger in the conversation because they didn't live it and I did. Know what I mean?
I think the listener does but I'm wrong. If they are more than 5 years younger, they can't conceive the fullness of my opinion or answer or deductions even if they are a history buff. Why? because they weren't there, present for the reality of whatever the subject might be, more especially if it's lifetimes lived. Nor can that person see it from my point of view because of the difference in life on earth living.
I should now understand why I get flack in all kinds of demonstration. I think what I say should be understood as a given. Things I don't mention because I assume the listener understands because I do. BUT they don't and it's natural that they wouldn't...but I didn't get that until 80. Actually come to think of it happens with my age group and in those cases it's because of the difference in the life they lived. Or get this, even the difference is because they don't know what I know because I never mentioned what I know about a particular subject or whatever. It didn't come up or there was no need to mention what I knew about a thing. Get it?
Looks like I'm saying that when we converse with others and get odd responses, don't be offended. Ya just can't explain what you mean by every word you use when there's personal history behind that word or thought that causes you to have a different perspective. I mean...you can't explain every word/thought you have sometimes. Or maybe think you don't have to...
Maybe this is more about both the speaker and the listener. As a listener, if I don't understand something I let the speaker finish what they are talking about and if it hasn't been explained in the total of what they were saying, then I ask questions.
I'm just picking up on all this stuff at 80. This started when people started saying things that told me they either don't believe what I said, or they just don't know what I'm talking about and they try to attach what I've said to something they understand. (btw it doesn't work that way.). Well it is confusing from where I sit. Although when people find out that I'm 80 they say no, more like 60...go figure!
Here's the bottom line as far as I'm concerned. I shall live until I die, I shall be busy until I can't, I will bypass aches and pains and discomfort and just do it anyway whatever it is I want to do, and...I won't tell anyone I might be hurting, not feeling well, can't do something because I'm tired!!! That's concerning living a normal day in a normal way for me. If I really can't do something physically then I won't do it. No complaining. If I really need to go to a doctor I will. The second commandment reads, love your neighbor as you love yourself...I shall love myself by taking care of myself so that I can love my neighbor.
What does that mean to me? I'm making changes in what I eat...backing off of processed foods as much as I can. Making my own bread, not buying boxed foods as much as possible. Eating real sugar but not white, using pink salt, cooking not going out or no fast foods as much as possible. Using real butter, no carbonated drinks. And so on. No covid vaccines but have taken a forever flue, pneumonia, and shingles. Will not take any further vaccines. Will start drinking water that is pure, no additives of anykind. and not from the tap (have to investigate this one). As for loving my neighbor I'm working on 1 Corinthians 13:4...
That's it for this post. May the God of all creation Bless you all, your coming in and going out, everything you lay your hands to as you abide in him and he in you, give you favor and prosper you in health, friendships, family and in the pursuit of living right every day. I'm Judy in the cottage starting my day early.
Please leave a comment before you leave. Thanks, it means a lot to me even if it's just Hi!
Monday, September 16, 2024
Dyscalculia at 80
That's my cat Iris. First is the cabinet being dismantled in part. Second is the working cabinet. The piece propped up on the side is the inside of the front door.
Wednesday, August 7, 2024
Estrangement - When an adult daughter divorces her Mom?
Saturday, August 3, 2024
Visit to Nurse PA and then...stayed!
Who knew? Well of course God knew. At some juncture the thought did occur to me that I was going to hospital, but it was a fleeting thought. Sure, enough one thing led to another and there I was at 10am in bed in the ER at the hospital where I worked a long time ago in the gift shop. The hospital that my youngest daughter spent most of her 30-year career as a nurse. She was who I called when the VA Nurse Practitioner advised me very strongly to go to an ER. We left my car in the parking lot and at about 10 checked into the ER without having to wait as I recall.
Friday, July 19, 2024
Sometimes Life is Just Hard
Thursday, July 4, 2024
I've Got Pictures
Saturday, June 29, 2024
Crafting Again...YAY!
Everything's a big mess in my new craft room. I clean up and then mess it up! an ongoing cycle and I absolutely love crafting in my craft room. There's going to be a craft fair at my new apartment complex in October. I understand they do so every year. Apparently I get 2 6' long tables at no charge and I can sell my crafts and keep all the proceeds. So I have begun my planning as well as crafting. My list of crafts to be ready to sell includes, hand crafted jewelry by me, refreshed old jewelry collected, origami folded paper shirts that hold money or a gift Card, junk journals and small paper books for notes titled "something to write on" designed for purse or wallet, jewelry crafts like wall hangings and yard sale items renewed that haven't sold in the past like ceramic containers with floral arrangement included and various other renewed or newly adapted for new uses items.
having trouble arranging the pictures but these are just a couple of crafts in the making. The reindeer are made of salt dough and they are bow ornaments to put on a Christmas gift.
Friday, June 7, 2024
Did I tell you I'm a great grandmother?
Isn't it wonderful? So thankful for Mazie!
Mazie 7.11#'s |
In the mean time back at the cottage, I've unpacked the last box and busy now organizing the closets and each room, one at a time. Some rooms, like the craft room, are a continual organizing and reorganizing but that's to be expected.
I knew my life was going to change because of this move. Texas is big and it takes a while to get where you want to go no matter where you live. I moved across town and its like moving to a different town. The same stores I shopped at before have branches where I moved and I'm noticing they are each laid out just a little bit differently so things aren't in the same place in each store. The traffic is terrific here more than where I was and I was in a busy area. I'm using more gas going across town to church and friends and it takes more time to get across town from where I am now. Looks like my gas budget is going to increase considerably and I'm thinking I have to run errands and stay out longer by trying to take care of them in one trip. Kinda like living out in the country only not if you get what I mean. Other things are looking like change is gonna happen too like seeing friends less often and maybe even changing churches. Because there seems to be more traffic it's a bit more of effort to get somewhere because of the amount of cars and the speed limit is higher so everyone is moving faster. Not a problem really just different.
I'm glad I made the move it's really good and I must admit I do like change. Brings lots of new things and new people and different experiences. It's really a good thing, kind of like an adventure. My apartment is much more square footage and so I walk more just inside my home from room to room and up and down the hallway and that can't be bad. The neighborhood is much safer to walk my pooch. The streets are narrow and curvy and there is a no trespassing sign at the entry of the community. So most of the cars are residents or visitors so nearly no traffic. Milo and I walk safely and he is beginning to be familiar with the streets we walk in and the other dogs of the neighborhood. He's not real friendly with them though, just their owners. He likes them alot. I've done a little crafting while sorting all the box contents since the first of May. I do have big plans in that aspect of my new residence. Slowly but surely the craft room is looking better and less congested.
Life is good these days for me and I hope the same is for you where ever you are. I know, there's lots to complain about but I choose not to do that. I really am thankful for all this move has given me, even the gas and time that has changed. That's it for this post. It's a little after 11pm so time to turn in on this 6th of June. God bless you and yours...keep looking up, it's just easier on the eyes and thoughts.
Leave a comment, that's something I haven't had yet but I sure would like to know what's on your mind. I'm Judy, in my room at my new cottage...good night.
Friday, May 24, 2024
Something Happened and I must tell...
Over the past few months I've been leading a Bible Study group of generally 4 ladies, 5 including myself. I say leading rather than teaching because that's what happens. We are using a book written by Dr. Jeremiah "The God You May Not Know". Our group meets every week at the home of one of the ladies and is always relaxed and always a cold canned Pepsi is offered. We are all Seniors and range from the 60's to the 80's.
My groups are usually talkers because I encourage questions and comments even small debates at times. The point is to learn from the material and each other. I truly believe Holy Spirit resides within each believer and He is our ultimate teacher and I like to hear what he has to say through each of the participants. Of course there must be constraints of sorts but that's to fit within our time limit and to stay on task. The Bible is on hand of course.
This study has changed me and I am surprised and totally in! I've been a Christian, born again, since 1975. Been in lay leadership in the church, home group leadership with my late husband, Officially a leader in the church as Co-Pastor after graduating from CFNI, Dallas, Tx in 1987. Official ministry ended in 2001. That means I was no longer officially licensed within the denomination that Licensed me. This happens when a licensed minister no longer holds a paying position in a church. Because God's calling is without repentance, I continue on without a church covering, in ministry.
I do not consider myself to know the answers to life, about God, the church, or any asked of me. I do follow the lead of my God in daily life as much as I know how. I love my Creator more and more everyday and spend time with Him daily. And yet, I'm blown away at how much the study that is finishing up this next week about the Creator of all that is created and all that is, is created by the Creator, make no mistake about that. It is fact and has nothing to do with whether or not mankind believes He Is.
Certainly I cannot rewrite the book I'm finishing up, in the telling here. What I do want to say is I am thoroughly amazed by the explanation of who God is. I still don't know it all and no one can because we are limited. He is not. Only by His own Holiness and it's His choice. There are certain words that I have decided are never ending. They are as follows:
Eternity, Omniscience, Love, Heaven, Hell, God's Creation...the universe, galaxies, space, never, always, more.
To actually realize that all of God is everywhere all at the same time and involved in every human life in such detail that he even knows how many hairs on every head at every moment while knowing what we are all thinking, doing, saying, living and dying all at the same time world wide! And this is hour after hour after hour, day after day, and so on. He never sleeps or turns away from anyone...never. NEVER! He has no limitations, none, zip! He doesn't have a big toe! He isn't human! and yet he's emanuel, God with us.
We have limitations and we die! God does not! We cannot, don't have the ability to limit Him. He is and will always be who he says he is and mankind cannot change him in anyway. Lack of belief in Him does not make him small or powerless or disappear in anyway. He is and was and will always be. The theories about how the world began without God Himself are nothing, mean nothing and accomplish nothing except rob mankind of the truth. And, further more like it or not, God is in control, in charge and man cannot change that. God is! Above it all! Is Power! and there is no other. He is the only one. Satan lied to Adam and Eve in the Garden and he is still lying.
I have known that God is bigger than I can even think and this study enlarged that I know that today without doubt but more, I know how more about the how much more which tells me there's so much more that I don't know. He's amazingly more.
God is known by many names and each one describes a part of his character. If you don't have the faintest Idea what I'm talking about, One of His names is Jehovah, and Yahweh, or Abba. Pick up a Bible...a New King James or a Living Bible and start with the Book of John in the New Testament. Let the author of that book in the Bible introduce you.
It's Friday evening before Memorial Day. Have a great weekend. Milo is somewhere asleep. I think I'll wake him and we will go sit on the back porch and enjoy the late afternoon. Blessings, I'm Judy and I'm glad.
Monday, April 8, 2024
I bet you'd never guess ...
Wednesday, March 20, 2024
What a Surprise!!! An absolute Surprise! Unexpected and beyond my plan...
A lot has happened since my last writing and with all of that, I'm jumping to the now of it all. The IT is I'm moving May 1st out of my present place into the above half of a duplex. It's amazing to me.
I was in the midst of relinquishing my present apartment for 2 weeks while the new owner renovated my apartment,when things went down a different road than I expected in the process. I decided I needed to find another place to live so I started the search online as well as contacting realtors I know personally to be on the look out for a rental house not an apartment.
I got lots and lots of feed back and toured a couple of places when a particular senior complex came into view. As I looked at and considered house living and the cost and care, one of my realtor friends was pointing me towards a condo and suggesting other options other than a house. So, when the senior complex came to my attention I went out to look at it and toured one of the units. Turns out many of the units were a duplex that looked like two little cottages connected. Each having a pitched roof over the front porch with the porch looking like the porch of the house I spent the first 12 years of my life in.
So many things to consider in this whole process, and what I was looking for I thought, was a two bedroom, one bath house with a fenced yard and a carport or garage would be nice but not a deal breaker. The duplex that I toured had two bedrooms, two bathrooms, an attached garage with a door into the living area, a dishwasher, builtin microwave and connections for a washer and dryer. I applied!
A consideration, a big consideration is that I'm low income and I have a choice voucher from the city housing authority which will pay a large portion of my rent so everything has to pass through them. I applied anyway. I just knew it was right. This morning I got the final approval and I move in on May 1st. Of course I know what was on my want list but...BUT when I was approved for a two bedroom, two bathroom apartment with a garage I was blown away.
The voucher reads 1 bdrm/1 bath. The apartment manager called the housing authority to clarify that and found that I am eligible for this apartment even though I'm a single person. I was and am astounded that I'm getting such a cute little place in a really nice complex, I have a yard I don't have to mow. I can have flowers outside as long as they are in containers, (because the mowers will mow over everything) and personalize the front and back porches. The kicker was the garage is included and I will be paying less by just a couple of dollars than I am currently.
The way I see it, it's all God's provision and He answered my request by giving me more than I actually asked for and my living expenses will not be as much as living in a house would have been. I am not bragging as in "look and see what I'm gonna be moving to." I am saying look what God has done for me with his unmerited favor. I haven't earned it, and it's not about me, It's about Him and His character.
I've struggled to make ends meet since my husband passed away 17 plus years ago and I see this as a gift from Father God just because he wanted to. So, I'm making all the necessary arrangements to move with packing and finding a mover I can afford and scrambling to work my budget so that I can pay all the deposits, and there are many, to get into the apartment on May 1st and it's coming together.
I don't have a picture of the outside of the building so that's why I posted the floor plan and hopefully next post I'll have a picture of how cute these little duplexes really are. The roads that lead to each of the duplexes is narrow and winding throughout, the complex and just adds to the "neighborhood" look of it.
That's it for this post. I've a lot of packing to do but I have time and I am gonna have some help as I go along. Thanks for reading. Please, take just a moment and leave a comment. I would love to hear from you. I've had just a few comments and they aren't from strangers and that's who I want to hear from.
I mean it folks, I truly would like to read what you say so find that place that says "comment" and just do it. And thank you very very much if you do.
Let me say this before I go. After reading this it sounds so simple and maybe even easy but not so. I've had to learn these last 17 years how to live on one paycheck. I was 60 when my husband passed away. We were living on my paycheck, his paycheck as a realtor, his military retirement check and doing pretty well. We had a 3 bedroom house in a nice area with a home owners association, a park and a pool in our housing development which was maybe 20 years old.
After my husband died, I tried to continue as a new realtor in taking over my husbands clients but I couldn't get my head together and I soon quit. I then tried working with a temp agency but couldn't seem to stay, and there were a couple of good jobs that I just walked off of. As life continued I finally gave up trying to work because for the first time in my life I couldn't hold a job, so after a couple of years I gave up and was down to just a Social Security check. I became low income, but I've done okay, it's not been an easy thing to do. I've struggled learning how to live within my means,
aware that I am getting below poverty level income and status. Today I'm a bit above the poverty income numbers.
I do know now from experience what so very many seniors have and are experiencing as aging starts really messing in your life and when you loose the ability to earn a paycheck, what a life changer it is. I'm one among many seniors that have and are in the same category since not being in a position to work a job and bring in a paycheck. It's not an easy transition, especially if you didn't plan for it, living in the moment. I'm exceedingly thankful as I write this post.
It's me, Judy and this time I'm sitting up in bed writing with Milo in his crate at the foot of the bed, in a place where I can see him. His door is open so he can choose to get in my bed if he decides he wants too. At 12:15 pm I'm saying goodnight and God Bless....Judy and Milo too!
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Well hello! I have a favor to ask of you. I know, I don't have any leverage over anyone who stops in on my blog so I'm not trying t...
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That's the way it was just before the movers came in and took all my stuff away to a pod on the apartment complex property. I had pack...
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She being me, don't ya know! It's late and I should have stopped writing an hour ago but I'm here instead....writing. The proc...