Showing posts with label Scotiabank. Show all posts
Showing posts with label Scotiabank. Show all posts

Friday, February 3, 2023

Struggles with Publishing


 I actually hate self publishing. I'm not very computer savvy, and everything I do here is a result of frustrated determination and help from friends. Believe it or not, I used to excel at computers. I had a 95% average in my computer class, but after I left high school, I didn't have access to personal computers for years. By the time I got myself a computer, everything I'd learned was obsolete and I had to start from scratch without any help. 

But eventually I learned, and muddled through. Dealing with Windows did make things easier, but there was the Internet to get through. Still not bad. Learning to blog? Got personal, step by step help from former critique partner Dawn Dalton. 

Then came self-publishing. Hoo-boy. There were a lot of tears and some screaming. Some of you may remember when Her True Name: Volume Two arrived in the format of a big coloring book, except with BIG letters. I'd ordered 18 of them, and decided to market them as collectors items because there was no way in Hell the rest of them were coming out that way. What a mess...but believe it or not, they all went. 

My editor and friend Heather Savage Fransen recommended Draft2Digital and what a blessing! Thanks, Heather! I couldn't believe how easy it was to use! But here comes the glitch. 

I had to figure out how to get PAID. This is not a computer struggle, but a banking one. I sent out an SOS about it on my author page, and no one touched it. So this is why I'm sharing it with you. 

I went to my Credit Union first. They were lovely, and gave me a print out of all the numbers I needed since I didn't have a checking account with them. It included my account number, transit and route numbers, SWIFT number...It wasn't until I got home, I realized there was no IBAN number. What is it? I don't know. Neither did the woman I spoke to on the phone. 

So I called D2D. They didn't know what an IBAN number was either. I'm almost in tears at the frustration and the wonderful woman I spoke to says, "Let me ask my supervisor." and she put me on hold. I still don't know what an IBAN number is, but as a Canadian--I don't need one. I can ignore that part of the application. That was a load off my mind. I thanked her, and told her I'd try again. 

Still didn't work. Certain numbers were just plain rejected, including the SWIFT number. I lay awake for two days, frustrated to the point of angry rage tears. Then it occurred to me...

They said BANK numbers. I was using a Credit Union. Are they different? YES, they are. 

I went to my bank this time. I got a teller in training, and the amazing Indian woman training her--I wish I'd gotten her name--because she saved my sanity. The trainee had no idea what I needed, but her trainer did. She immediately went to the printer and printed out a sheet that looked much like the one I got from the Credit Union, BUT...

She walked me through it. This is your account number, this is your transit number, etcetera. I was surprised to learn that the SWIFT number isn't a number but letters. For Scotiabank, it's NOSCATT. That was a surprise, but it went through just fine. 

Here's the super important part that I never would have known if she hadn't told me. I can't remember what the name of the number they wanted was, but it's nine digits. (Sorry...I'm NOT going back in there to look.) She wrote over the first five digits of my account number and marked them 'transit' then she told me I would need those digits, not just for transit, but for the nine digit number....THEN she underlined three digits in the Canadian Clearing Code. Those three numbers were the ones needed in front of the transit numbers, which were the first five digits of my account number. 

I left, feeling a lot better, even though I can count, and that was eight numbers, not nine. It had better work!

Nope. Rejected. How could this not work again? So f#%ing frustrating, but....What if I put a space? Or a hyphen...?

IT WORKED!! As far as I know.  I filled out the tax interview with the promise that if anything isn't right, I will fix it within 30 days. So far, so good. I can't believe the release I felt. Like I had purged my lungs and run a marathon. I slept well that night. It's been over a week, and I've heard nothing from D2D. Feels like a win. I hope. 

I want to hug that woman. Next time I go to that bank, I'm going to tell her how STELLAR she is. I'm going to put her name in the acknowledgements for Her True Name: Volume Three. In my books, She was doing her job, but for me, it was a life saver. 

Friday, December 27, 2019

Strange Days.


What a chaotic year it's been! I'm full of gratitude for it though. Sometimes I've been sad and depressed, but looking back, I've been fortunate.

I got a new job in March. It's got the usual stresses, but there's so many cool things about it. I'm never running late, because I make my own hours. I decide how many hours I work in a day. Some jobs are easier than others, but the more I work at it, the better I understand it, and the better I get at it. (Shout out to Colleen, Marie and Tracy. Heartfelt thanks for your help.) I'm making a decent wage. It beats kitchen work all to Hell, and not just because I can take a break when I need to. I can stop and think, and I can just take a day off when I need one.

Like when my Uncle Duane and I talked my mother into finally moving to Edmonton. We finally got her to agree, and I was tasked with finding her and my sister an apartment. I grabbed a free periodical and found the perfect place in three days. They love it! I'm still patting myself on the back about it.

May came on like a race. Myself, Duane and other family mobilized to move Mom and Jody, and while we did so, Mom signed the paperwork to sell her house. It happened that fast!  I didn't need to beg for days off, because I make my own hours!!

Summer came and went with the warped speed of Canadian weather. That's no typo, the weather here is warped. It rained too much to get a good garden, which is something else I struggled to keep up with, as I got the west end territory for my job. BLISS! I only have to drive five minutes on a good day to get to work, twelve maximum. It's more intense, and more hours, but that means more money.

In September, Mom decided I needed a new used vehicle, because having just our rickety old Dakota for my job wasn't going to cut it. I CAVED. I let her give me the money to buy my SUV. My friend and neighbor named it 'Sophie'. She has personality glitches I've learned to deal with. When I have more time, I'll deal with those, but in the meantime, I love her. We own her free and clear. Shout out to my husband Dan, who talked me into said SUV. After all, if Mom is paying for the vehicle, shouldn't it work for her too? Dad would have been proud.

Then winter came, and with it, a notice from the bank. Would we like to pay our mortgage off? What?! We can just DO that? I had been tracking our mortgage through my phone, and I expected to be finished in the spring, but we can do it now? No penalty?

We went in, wrote a check, and it was done in twenty minutes. Shout out to Scotiabank for making this easy from beginning to end. Shout out to Tracey Morgan who approved us fifteen years ago, and approved us for fifty thousand more than we asked for because she said that people without debts like us would not be happy with a home in the price range we asked for. (We had no idea how much houses cost.)

We are going into 2020 without any debts at all, and in a time and recession like this, I can't tell you how happy I am that we will not have any mortgage payments. I know just how lucky we are, and that we made all the right decisions. Not everyone has that privilege, and I feel strangely arrogant right now, but...

Cherry on top? A friend of mine has a kidney, just in time. It means someone else lost someone before Christmas, but I am eternally grateful for their organ donation. My friend really needed it. She has a huge family and many friends who got another Christmas with 'M', and more time. Yes, I am an organ donor. If something happened to me tomorrow, I'd like to give someone else such a gift.

Where Is my writing is all of this? Hopefully more so in the new year. I'm in a calmer place now that the house is paid off. I no longer feel like I'm in such a rush. Our shelter belongs to us, and everything else, I can work with. Maybe that's all I needed. I'm optimistic, about everything.

I wish, for you and yours, the same kind of confidence I feel now. Please, have a Happy New Year.