Credit

In addition to his lack of driving skills, Cotto has no idea what money stands for (hint: it's for goods and services).To him, every day is either the best day ever (like a whacked-out teenager at Disneyland), or his imminent death—like a kid eaten by a gator at Disneyland (http://www.cnn.com/2016/06/15/us/alligator-attacks-child-disney-florida/). And that's exactly what his serious mental disorders are about: really really REALLY!!! great things that make you stay up for days and days and you just don't understand and why aren't you more excited, Marie? Sleep?! Food?! WHY???!!! GET PUMPED UP!!! Yeah, kid. Call me when the show is over, or starts, whichever happens last. I'm going to sleep, and I'm eating breakfast. Bitch.

The same is true about his understanding of family. His dad was his drinking buddy/sexual escapades partner (aye yi yi), and his mom's new "old man" looks at him kinda funny, too. He's been staying up late to watch t.v. recently, so he could screw the people living around him from using "his" pull-out sofa as a bed, and when you question that, he blames you for his escalating drunken abuse. It's a landscape without any safe places, which makes jail seem much better in comparison, because at least you get decent food and a bed to sleep in, you know? And maybe skip the nighttime rape scene, for once.

I felt bad for him because he had it that hard coming up in "da game" of life, but he's such a selfish fucking dick, you can't help but wish for him to be as far away from you as possible. Just because someone's really sick doesn't mean they can't also be a completely selfish asshole. I'm sure the staff at his residency center wants him dead or gone on his worst days, particularly the days when he deliberately craps his bed so the big buff orderly in the tight white scrubs can change his diapers for him while he sexually harasses him with molester-type comments. You know? A punch in the face is sometimes much quicker and easier than strapping him down to the bed and cleaning out his mess. Poor fucker. I've been there with head-cases before. Many, many, many times over.

So, when I asked him about his "credit card debt" that he intentionally mischaracterized as a fun "Sex and the City" shopping spree, it was just as depressing as I thought. "Well, Marie...", he began. Oh, OK. I'm the dumb fuck sleeping on your floor in your Army/Navy sleeping bag that you can talk down to. I forgot where I was for a minute! Actually, I didn't. Yeah, Cotto. What happened? I wanted him to just take his sleeping meds and go the fuck to sleep, but he was going off of his prescriptions one-by-one, because he couldn't handle the stress of homelessness, welfare, and his broke-ass two-year school on Staten Island for people without their G.E.D.'s coping with several mental disorders, and I was supposed to pretend that wasn't true with him, so he could psychotically pretend that I was his trapped quarry, when in truth, I could crack open his shin bones to the marrow whenever I wanted. 

Not that I wanted that. He was a dumb bloated mess of a human being, and I questioned that status on most days, too. But, let's hear it. It'll come out anyway, and it's not like I have anything better to do on a Tuesday night, besides getting a good night's sleep on this here dirty tenement floor so I can out-design the crazy "creative director" at work tomorrow, who would short-change me out of a health plan and rip-off all of my cover designs out of professional envy and hateful sabotage. So, yeah. Go ahead. Well, my grandmother died, and she asked me to "look after" her mail while she was in the hospital, so I did. Uh huh. I question every part of that sentence, but yeah. And?

"I took her Sears credit card." For how much, Cotto? And he waffled on that, too. Sigh...every step of the way, eh asshole? "About 3 or 4 grand." It was probably much higher than that, between the $5-$7000 range, because he then told me his "lawyer" advised him to pay it back quickly. Riggght...while you blow off your dish-washing job (not good enough), buy dirt weed instead of meds, and jam in a stressful college-like experience at the same time, so you can justify your subsequent freak-out and imprisonment? I think I know this tune! "It came addressed to her in the mail and I was staying there." So? So what? "I needed money." He clammed up like a hardened convict who's just "lawyered up" because he already knows the drill.

But, like, why? I mean you have two fucking cell phones, an expensive video game console that's also your hard drive, an iPad, a laptop, and ghetto headphones. The whole nine, kid. What the fuck did you spend it on? I never got a real answer that made any sense to me. What the fuck did he buy with it? For those of you reading me outside of the U.S., "Sears, Roebuck and Company" is a really old catalog business that began when the west was still a bison-filled frontier for European sharecroppers in covered wagons hoping to escape/frame "Indians" for all of their horrible massacres, in a lustful quest for blood and oil money that has come to be known as "The Wild West." You've seen the movies, right? Like that. Or, more specifically, like this: https://en.wikipedia.org/wiki/Sears.

I mean, he wasn't exactly home-owner material as a self-entitled welfare queen. People like me work hard. Not him! He's "special". Well, Cotto, sigh...don't make me phrase it like I'm taking away your lollipop, you fucking prick. I'm tired. What did you buy with it? I waited...and then waited some more. And some more. This, from an arrogant dick who liked to pretend he was exceedingly verbal and highly loquacious with his carefully chosen bon mots. Give it up! He looked down, and thought about it, but finally, he was too embarrassed to tell me. I'm sure it wasn't for garden hoes, or trimming shears for his fucking front lawn with carefully groomed hedges. And to this day, I still don't know what he bought with a housewares store credit card used by Americans for generations as their rural general store.

I know what we did. My mom asked me to circle clothes out of a huge Christmas catalog every year for toys and clothes, and if they didn't fit or we didn't like it, we went back to the store in Nanuet (still there) to return it. That's what country folk did back then, while your dad browsed the barbecue grills and dreamed of a motorized lawn mower with a comfy riding seat, like the big Italian douchebag next door to us had, riding around smiling on his ghetto "pizza money" from his 'hood storefront in the Bronx that would become a model for the summertime NYC movie classic "Do the Right Thing" that explored ethnic and racial tensions between the Italian-American immigrants who earned their plush living off the backs of impoverished, trapped African-Americans living in a hot city without air conditioning, just like we did.

We had heavy, awkward window units that sat tipsily in the small window sills of our split-level home, and if we wanted even that cool comfort in our rooms, we had to pull down a ladder in the ceiling to go into the attic, carefully stepping between the beams so we wouldn't fall through the floor, and then pushing the heavy units down the stairs at a steep angle to whoever was at the bottom. We had air conditioning in our small bedrooms only; not in the kitchen, or the living room, or the converted basement downstairs. If it was too hot to stay in our rooms for too long, we went outside, or we walked a mile and a half to the public pool up-and-down the impressive hills of this area, or we ran through a sprinkler on the lawn, spraying each other with a green garden hose. I know that he didn't do any of that, because he said would die in his early 50s, just like his father and his father's father. 

It was sad, but it was real. As he told me his life of woe, I knew his life was designed for him to fail. And so, I listened to his halting confessions that he had to work up the nerve to tell me over shared dirt weed blunts and cheap beer, because it probably included evil staples of the projects like child rape, child abandonment, and/or child endangerment. How did I know? He told me his dad was his first "party" partner. You fill in the blanks. And that's what I did. I "read" him expertly, better than anyone else did, and that's why I got out of the ghetto alive, just like my hardcore New York City family. That, and I kicked out an old abandoned bookcase piece-by-piece after work one night, so I could leave the floor of his dirty room for the room next door with a chain through the opening where the doorknob used to be, in front of him and our neighbor "Rex", his "hood rat" partner-in-crime for those days, even though it was mostly particleboard. Almost.

My mutha's naybahood: https://en.wikipedia.org/wiki/Arthur_Avenue
My fahthizz: https://en.wikipedia.org/wiki/Bedford%E2%80%93Stuyvesant,_Brooklyn
And mine, bitch: https://en.wikipedia.org/wiki/Woodside,_Queens

Cybercrime

Much hype and paranoid thought is devoted to "Cybercrime", a word right out of bad sci-fi, if ever there was. Truth be told, shoplifting (http://wordhistories.com/2014/08/16/shoplifting/) is as old as the hills, as any ole descendant of a penal colony will tell you....or maybe not. Crime is crime, and criminals exist within any strata of society because evil, pathology, and bad DNA (much like cancer) does not discriminate.

I do have discriminating tastes however, and the two incidences of theft against me that occurred in my life were way before the common usage of computers. The one happened while I was in school and working solo (One of three part-time jobs I had while enrolled at the Rhode Island School of Design. Yes, one of the hardest schools on the planet, I know.) at a pizza joint in Providence, Rhode Island, and the second involved a shopping spree in Virginia (caught by the card's red flag system for atypical purchases) because the thief dumpster-dived for old credit card receipts in Brooklyn which led me (through the credit card rep's sage advice to me over an old-fashioned land line rotary phone) to a lifelong habit of shredding old mail that has personal information printed on it.

In other words, crime exists everywhere people are, and some places where they are not. You can hedge your bets by being smart, careful, and level-headed as I am, by using common sense. Here's a quick primer: #1) DO NOT go jogging in Central Park after dark and/or at night, (no matter what century it is), #2) always have your back against a brace when the train comes into the station, as a guard against psychos who push people onto tracks and #3) dancers on the subway are cool to give money to but #4 (and this is an add-on bonus) buying candy in a subway car is a front for drugs because junkies use their kids to collect change by ripping off bodegas on the street for the candy, and then forcing their homeless kid to shake down white tourists on the train for some change. You're welcome!

Same thing with the Internet. No, you are not interesting (nor is your email, or Facebook page, or etc...) but you do want to keep your wits about you. Treat online content and engagements like you are meeting someone for the first time at a cocktail party. Do you tell them about all your surgeries or the nasty details of your perhaps fictional sex life? Hell, no...unless you're as crazy as the person talking to you.

Be careful out there, kids. Life can be one heck of a dangerous wild ride, so wash your hands often (but don't become OCD about microscopic germs), change your underwear, too (but don't get hooked on laundry as a cure-all for anxiety like some desperate suburban housewife), and most importantly, be kind (if you can) to those around you who deserve it the most.

And register with credit agencies like the ones pictured below that I am holding. Add on a security level or two (called "security freezes" and "fraud alerts") et voila! You may now buy from an online retailer, which is safer than talking to a human over the phone who might write down your information, because (and this is very important) a computer is a machine with no agenda that is only as good (or as bad) as the human who programmed it. Now get back out there and live!

Register with one, you register with all. Safety should always be this easy!

http://www.equifax.com/home/en_us 
http://www.experian.com
http://www.transunion.com/

P.S. - Recent emigres please note: the IRS does not, repeat DOES NOT collect taxes over the phone. They use our federal agency for mail called the "United States Postal Service" for official business (unless you're a criminal), because post offices use legal things like dates and time-stamps for verification purposes. Postal workers are also agents for the government. You should be able to trust them (unless they're having a really bad day, and look like they may go "postal". See link here for our lingo: http://www.urbandictionary.com/define.php?term=go+postal.) Then, call 911 for help.

Plastic

This year I got some beautiful stuff for Christmas, like floral bouquets, 
a wedding announcement from my dear cousin and his longtime girlfriend that's lovingly designed to be a two-sided keepsake ornament shaped as a pretty snowflake, and some cold hard cash (what any young publisher really needs), along with the usual tepid crap, like plastic cards.

What disturbs me most about it are the gaping vulnerabilities savvy companies use to exploit the mass consumer, and they do so with impunity. Here's a great example: on a recent shopping trip, I thought I expertly calculated my gift card usage down to cents, and I was right. In exchange for my shopping prowess, here's what I got back from my friendly neighborhood (and totally red-faced, embarrassed) cashier:

Wow....the a**hole is strong on this card!

That's right, the cheapskate asshole who designed this program for a local supermarket chain will not allow cashiers give back a mere .$36 in coinage to the consumer, you know, in case I went power drunk with my excess riches. Uh, thanks. And so, the average consumer gets tricked into giving cold hard cash to a faceless conglomerate instead putting it where it belongs: in the gift recipients' pocket. Not convinced by mere words? OK, let's do the math together.

For example: one very busy, successful store in my town (I actually LOVE it) sells about 1,000 of these cards in racks by each check out line, and after they're used, they each have a remaining $.36 on them. That's $360.00 profit for them, barring manufacturing costs for printing the card, and distribution to stores. Next up, 10,000 cards in my home county are sold throughout the holiday season. That's $3,600.00 for the company, and not you, the consumer, or your "loved one", and I am being generous with the amounts. Most folks leave a lot more on these types of cards, because it's too much of a pain in the ass to use up the $1 to $2 that's left on them. 

Feel me on this one? Good. I'm trusting that you understand the dynamic here, right? Great! Don't do it again. Bad shopper!  You're actually feeding an industry of crooks. Live and learn, folks, and then let's move forward together, conceptually-speaking. That's all is is.
Thank you.

Here's your homework: http://www.dailyfinance.com/2012/04/20/new-laws-mean-unused-gift-card-money-wont-be-a-gift-to-stores/ 

And: http://www.qualitylogoproducts.com/blog/secret-of-gift-cards-plastic-into-profit/