Even Keys Are Complicated

In the last couple weeks, it seems like almost everybody I know has needed to get some keys made. A senior citizen wanted several copies of her house key, for the kids, the family friend, anybody who might be called upon to look in on her in her home. That wasn’t too difficult; her door lock is old enough that the key is still fairly simple to copy.

Two friends decided they needed to get a new key made for their carc. One because one of his keys stopped operating in his ignition switch, and the other because she had apparently lost one of her keys. Both were nervous about mis-placing the only one s/he had left.

Adam – let’s call him Adam – went to several key makers to get a new key made. Strangely, these new keys would work in his car door, and the trunk lock, but not in the ignition. Eventually, he went to the dealer and got a new key made. It only cost him $60-$75. Since I didn’t hear this story straight from him, I’m not sure how much it was.

His mother, Betty – also not her real name – was at a local hardware store for grass seed and a new drill when she remembered she wanted a new key made for her ‘new’ car. (She’s had it a couple years, and it wasn’t new then, but it’s far newer than the ’91 she’d been driving for over a decade, so she calls it new.) She handed her lone remaining key to the key-making person, who promptly handed it back with the information, “I can’t duplicate that. It’s got a computer chip in it.” So Betty also will need to go to the dealer, and instead of a couple bucks, it will cost BIG bucks.

This is ridiculous. THEY (corporations, in this case) came up with a way to ‘protect’ us from having our keys stolen and duplicated for the purpose of stealing our cars. Really? If someone steals our keys, they have access to stealing our car. So what it really means is that when WE (the customer) loses a key – which is always a possibility – we get to pay THEM big bucks to duplicate that key, instead of paying a smaller amount to a smaller, local company. Talk about squeezing blood out of a turnip.

Revamp the Tax Codes

My husband has grown increasingly frustrated trying to make sense out of filing taxes. Unfortunately, they have to be done. This year, he handed me the folder of papers and asked me to take it to a tax preparer.

A couple decades ago, we used to get some substantial refunds back from both the federal and state. It gave us a chance to take a chunk out of our debts, even if we had ‘loaned’ it to the government without getting any interest from it. The kids are pretty much grown and gone, and it happens that we are no longer paying enough in taxes.

Yeah, that’s right. We are looking at paying a bill to both the feds and the state. We not only are trying to clean up some Christmas debt, and stay on top of our regular debt, pay our real estate taxes, license all our cars and pay this year’s insurance premiums, now we have taxes to pay.

“Where’s the problem?” I asked the tax preparer. “For years, our taxes have been withheld at the appropriate rate for ‘married, no dependants’. We assumed that would at least put us in the approximate neighborhood of what we would owe for the year. But just in case, I instructed my part-time job to hold out extra.”

I was told that the W4 we fill out for our employers has little to do with what we will owe in taxes. Each employer withholds as if that job is our only source of income, which puts us in a lower tax bracket. Then when we file our taxes, our sources of income are combined, which puts us in a higher tax bracket. Suggestions for ‘rectifying’ the problem was to change our “married, no dependents” to “single, no dependents”, ask them to hold out extra. One last suggestion was to contact my pension plan manager and ask them to hold out a higher percentage of my pension for taxes.

I seem to vaguely remember one of the President Bushes cutting back how much was deducted from our paychecks. It was heralded as a means of stimulating the economy, a way of giving the middle class a few extra dollars in their pocket. This doesn’t really make sense to me. A couple extra bucks in my paycheck doesn’t go far enough to do any good; it’s not enough to pay a bill, it’s just enough to get a frappachino I really don’t need. I’d much rather ‘loan’ the government a couple extra bucks each paycheck and get a refund rather than a bill.

Why do we have to jump through hoops just to break even?

Customer Service

How many times has it happened to you? You’ve got errands to run with your family or friends, there’s not enough time to do everything, and you decide to pick up some fast food. At the drive-through microphone, you place your order; 5 assorted sandwiches, 4 fries, 1 onion rings, a chocolate milk shake and 5 large drinks.

Now you drive to the window, pay the bill, and they start handing items out; 6 drinks, one of them a shake, and two bags of food. You drive home, toss a comedy in the CD player, kick off your shoes and start to divvy up the food. What do you find?

The chocolate shake is strawberry.

There’s only 3 fries, but 2 onion rings.

There’s only 4 sandwiches, 1 of which bears no resemblance to anything you ordered.

You check the receipt; everything you requested is listed, and in the correct amounts. You lose your temper, call the manager to complain. His response? “Are you sure we filled it wrong?”

Welcome to the new customer service, where they are so concerned with getting orders out fast, they don’t bother to make sure they’ve gotten it right. And how can you prove anything is wrong? You’ve driven away. You could have done anything with your order since it was given to you.

I know people who don’t use the drive-through anymore. But even going inside and placing your order ‘to go’ doesn’t mean they’ll get it right.