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Tag Archives: Money

When Did Getting Older Become a Banking Fee?

19 Sunday Jul 2026

Posted by Tim Hughes Living with CML in Disability, Life, Retirement, Uncategorized

≈ 1 Comment

Tags

Adventurer, Banking, Bills, Discrimination, fees, Finance, investing, Life, Money, Payment, personal-finance, Retired, Senior Citizen, Subscription, writing

I’m 62 years old, and until now, I’ve never really felt like I’d been discriminated against because of my age.

I’ve been with the same banking institution for more than twenty years and have never had to pay a monthly service fee. The fees have always existed—I just never found myself in a situation where they applied to me.

When I started working for my last employer back in 1986, the bank was running a promotion that waived all service fees as long as I remained employed there. Over the years, the bank changed ownership several times, but they continued to honor that agreement.

One of the requirements for avoiding the fee was having at least $500 a month deposited electronically into the account. That wasn’t a problem since my entire paycheck was direct deposited every two weeks, and it was well over the minimum.

I retired in the summer of 2018, so the direct deposits stopped. Somehow, though, the fee waiver continued. I wasn’t asking questions.

About six months ago, I received a notice saying the monthly service fee was increasing from $10 to $15. Curious, I called the bank to ask why I had never been charged the original $10 fee. They searched my account, couldn’t find a reason, and simply told me not to worry about it.

So… I didn’t.

That worked out fine until Thursday of last week.

I noticed that beginning in May, I had been charged the new $15 monthly fee. Once again, I called the bank. Once again, no one could explain why it had suddenly started.

The representative did explain how I could avoid the fee. Here were my options:

  • Have at least $500 a month deposited directly into my account. I’m retired. My income comes through my financial advisor, and they don’t use direct deposit. Could I change that? Maybe. Do I want to untangle all of that? Not really.
  • Maintain a minimum balance of $1,500. I’m on a fixed income, so that’s not very realistic.
  • Be between the ages of 17 and 24. Well… I missed that window by about 38 years.
  • Be a current or former member of the military. I appreciate those who have served, but that doesn’t apply to me.

So, unless I’ve overlooked something, if you’re a retired senior citizen on a fixed income, your option is to pay the $15 every month.

Could I switch banks? Sure. But anyone who’s ever changed banks knows it’s about as much fun as a root canal. Every automatic payment, every subscription, every bill has to be updated. And if you’ve ever had your debit card hacked, you already know it can take months to get everything straightened back out.

I’ve left a message with my financial advisor, and I’m hoping they might have a solution that doesn’t involve jumping through flaming hoops.

Some people might wonder why I’m making such a big deal over $15 a month.

Here’s why.

When you’re living on a fixed income, $15 isn’t “just” $15. That’s $180 a year. That’s groceries. That’s medication. That’s gas in the truck. Those dollars matter.

Maybe I’m old-fashioned, but it seems like banks should reward customers who’ve remained loyal for decades instead of making them feel like they’re being penalized for getting older.

Not Skunked, Not Sold Out… Just Another Day at the Booth

18 Saturday Apr 2026

Posted by Tim Hughes Living with CML in Arts and Crafts, Life, Pets, Retirement, Uncategorized, Weather, Woodworking

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Tags

adventure, Animals, Car Show, Charity, Classic Cars, Craft show, Crafts, Dog Food, Dogs, Humane Society, Life, Money, Pets, Projects, Travel, Vendor, Weather, Wind, Woodworking, writing

I didn’t get skunked at today’s show—but let’s just say I wasn’t exactly loading up a wheelbarrow full of cash either.

The event was the first annual car show to benefit Paws for the Cause, and I’ll give it this—it had a good heart, even if it didn’t have much of a crowd. Vendors started trickling in, slowly… very slowly. In fact, I had enough time to sit and watch them arrive like it was a parade with no audience. The classic cars? Even fewer. I think I saw more empty parking spots than chrome bumpers.

Each vendor paid $30, car owners paid $20, and everyone had to bring a large bag of dog food. That part, I genuinely liked. Knowing the food would go to the Humane Society made it feel worthwhile. At the end of the day, even if I didn’t make much, at least some dogs are eating better tonight—and that’s a win you can’t really argue with.

Now, about the selling…

It took me about two hours to make my first sale. Two hours. I had time to rethink my entire inventory and briefly consider whether the guy selling kettle corn was onto something. Then… nothing. Not a single sale until the final minutes before packing up. It was like the universe said, “Let’s keep him just hopeful enough to stay.”

If you don’t count the cost of the dog food, I broke even. So technically, I didn’t lose money… but I didn’t exactly win either. I’m still chasing that one product—the one that people see and immediately say, “I need that.” So far, that magical item remains as elusive as a full parking lot at today’s show.

Looking around, though, I think I did all right compared to some of the other vendors. A few of them spent most of the day parked at a picnic table nearby. At one point, I wasn’t sure if they were selling products or just holding down the table so it wouldn’t blow away.

Speaking of blowing away… the wind showed up late but made a dramatic entrance. By the end of the day, tents were starting to lift and shift like they had somewhere better to be. I’m pretty sure that’s what convinced the organizer to shut things down about an hour early—and honestly, nobody argued.

For now, I don’t have any shows lined up, which might be a blessing in disguise. It’ll give me time to reorganize, take inventory, and figure out what needs restocking—and maybe, just maybe, stumble across that one item that actually sells consistently.

In the meantime, I’ve got a couple of orders to finish up, and that feels like progress.

No, it wasn’t a sellout.
No, it wasn’t a disaster.

Just another day behind the booth… and another story to tell.

An End to an Era

07 Saturday Feb 2026

Posted by Tim Hughes Living with CML in Boy Scouts, Family, Life, Photography, Uncategorized

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adventure, Boy Scouts, Campfire, camping, core values, Cub Scouts, dues, Emotions, fees, Hiking, Memories, Money, Nature, organization, skits, stories, swimming, tents, Travel

After 25 years in the organization formerly known as the Boy Scouts of America, I am calling it quits. Tonight, I said my final farewells — not to the many friends I’ve made over the years — but to the organization itself.

Where do I even start with a post like this? After 25 years, I have so many memories, so many stories to tell, and yet I’m at a loss for words. My emotions are all over the place. On one side, there’s anger and frustration. On the other hand, there’s sadness at stepping away from something that was once a cornerstone for teaching core values to young men.

My scoutmaster when I was in scouts many years ago.

When my son crossed over from Cub Scouts into Boy Scouts, there were a lot of uncertainties. Would he enjoy the outdoors? Would he be okay spending his first night in a tent with boys he barely knew — and without his dad right beside him? Suddenly, he was under the supervision of boys — or really, young men — not much older than he was.

During those first meetings, I sat back and watched him interact with the other scouts his age. He had a great time as a Cub Scout, but there he was alongside his mom, working together to earn belt loops and awards. Scouts was different. The parents sat off to the side while the boys were taught the Pledge of Allegiance, the Scout Law, the Scout Oath, and the Outdoor Code — not by adults, but by youth leadership. I was a proud parent the day my son could recite all of them by heart.

As my son grew up in Scouts, so did I.

I was eventually asked to become a leader. At first, I was reluctant, but I quickly realized I could give back by passing on skills I had learned over the years. I taught Plumbing Merit Badge, Photography Merit Badge, and even knots I’d learned working in the HVAC industry. What amazed me most was that, without even realizing it, I was getting to spend time with my son. Maybe not one-on-one, but we were there together, learning and growing at the same time.

My son eventually earned the rank of Eagle Scout — during a time when I was serving as his Scoutmaster, a role I had stepped into years earlier. It was one of the proudest days of my life. Because he hadn’t turned eighteen yet, he stayed active and served as Senior Patrol Leader.

Then came a weeklong campout on the outskirts of the Great Smoky Mountains.

My sons troop while I was the scoutmaster. Can you pick him out?

On the final night, the boys gathered around the campfire for skits and reflections. Then it was my son’s turn to speak. He announced it would be his last campout with the troop. He would turn eighteen in a few weeks and would be aging out. His plan was to go off to college, and Scouts wasn’t part of that plan.

My heart sank.

The building where we met was torn down.

For six years, we camped, hiked, cooked, climbed — you name it. Maybe it wasn’t one-on-one, but we were together. When lights out came and I finished my rounds, I went back to my tent, and I broke down and sobbed.

But the story didn’t end there.

I stayed involved because I had completed a lot of leadership training, and I felt like I still had something to give back to the program.

One of our Cub Scouts is building a birdhouse

There was a need in our district for someone to take over Eagle Board responsibilities. This committee helps guide young men in selecting meaningful Eagle projects and conducts Eagle Boards of Review — sitting down with candidates to talk about their Scouting journey and their Eagle project. I wish I had known how long I would stay in that role, because I would have kept count of how many young men earned Eagle while I was there.

Over the years, I wore many hats in Scouting — none of which I regret.

As the organization changed, though, so did my attitude. There were changes that simply didn’t make sense to me. The main reason I stayed as long as I did was that the core program still worked, regardless of the decisions being made at higher levels.

One of the many awards that I achieved while a leader.

Apparently, I wasn’t alone in my concerns. Membership dropped like a rock. In my district, we went from twelve troops to five during the years of major changes. Tonight, that number dropped from five to three. Our two combined troops folded due to a lack of leadership and membership growth. After tonight, I don’t see how our district survives without eventually merging into another.

I’ve asked myself, “Who’s to blame?” That’s not something I really want to dive into.

Troop 322 and Troop 41 combined to form one troop

But I will say this — it wasn’t because local leaders didn’t try.

Follow the money.

Charging $120 per year just to join, plus around $325 for a week at summer camp, is a lot. Many families simply can’t afford it — especially if they have more than one child in Scouts. And that doesn’t even include troop outings, which can run anywhere from $15 to $45 per trip. Many of these kids are being raised by single parents

Just one of the many young men who achieved the rank of Eagle.

Yes, Scouts can sell popcorn to help offset costs. But it’s hard to sell a $25 box of popcorn with six bags in it when families can buy the same brand at the store for $7 and get twelve bags. And when an adult tells a scout it’s “highway robbery,” what do you say to a seven-year-old who just got scolded by a stranger? It’s not their fault. They’re just trying to raise money to help pay their dues.

The last night at one of our summer camps. The boys always had a blast.

And when only about 32% of the profit gets split among the scouts working that shift, it makes it even harder.

Meanwhile, councils raise tens of thousands of dollars — and districts often see very little of it. I know there’s overhead. But it does make you wonder where the money goes.

Sorry — not sorry — for the tangent.

That’s the angry part of this story. I try not to dwell on it, but it does get under my skin.

Because at the end of the day, the program still works. It’s just becoming a program that fewer families can afford. And if something doesn’t change, Scouting could fade away.

Not to worry, though. The boys in the two troops will be going to one of the two troops still active. With determination, I feel that all the boys will stay in it long enough to earn the rank of Eagle.

And that would be a real shame.

Just a day at Summer Camp
The last scout that my team interviewed for the rank of Eagle

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