Today I received a courtesy letter from U.S. Bank reminding me that my account “becomes ineligible for additional Direct Deposit advances after nine consecutive checking account advances.” They are referring to advances that I have taken against my direct deposit Social Security Disability for such extravagances as paying rent, phone, or meeting prescription co-pays; they go on to remind me that “U.S. Bank offers other credit alternatives to meet your short-term needs including: Home equity Line of Credit and U.S. Bank Credit Card, which requires credit approval.”
What form of stupidity is this? If I owned a home or a credit card, do they think I wouldn’t have found a way to liquidate those assets into cash for immediate needs before I availed myself of a direct deposit advance?
Last month I wrote an article for a medical industry trade mag that I am still awaiting payment on. I have pitches ready to go to paying markets at Smithsonian Magazine and History Magazine but this month I need a paying market right damn quick; we only have funds on hand for one more week of rent and then we have to avail ourselves of that direct deposit advance that U.S. Bank tells me is soon to end. And we still haven’t raised the extra $150 we need to get Lela a new eye exam and bifocals. (Her glasses were bent in a household accident two months ago and she is experiencing headaches and vision problems as a result … today she had to take a bus to the Welfare Department to reapply for food stamp benefits as her first six months has expired — without the EBT benefits we would be on the streets, no hyperbole there.)
Recently a longtime friend sent me what amounted to a kiss-off e-mail, telling me that he wished to sever all ties ( a line that I am accustomed to hearing from women in my life, not men) because he was unhappy with what he perceived as my heavy-handed moderation of his racist, misogynist, and off-point comments at this blog; in his closing comments he added that I was “one hell of a beggar”.
Why is it that the first weapon people reach for when one is struggling to make ends meet is to starkly remind that person, in often cruel terms, that they are in dire straits? Do you really believe we need that reminder? Do you think that beggar — definition: to ask for food or money as charity — is an epithet that someone with one foot in the gutter needs to hear? Shame on all who invoke such epithets. I cannot tell you how many people, in person and in e-mail, have thanked me for writing The New Homeless series for the Las Vegas Sun because they feel I have spoken for them, those who are too ashamed to admit their poverty to their friends and families for fear of the sort of backlash that I endured in the comments at the Sun. And now I must hear this same belittling from a man that I once considered a friend?
Sometimes it’s much too much.
Thanks for your generosity in the past, kind friend, but had I known it came at the cost of your denigrating me I would have respectfully declined. Shame on you. I hope you feel better now having kicked me when I am down but I suspect that the good feeling you received from typing those foul words was fleeting. Since you consider yourself a man of letters, I recommend that you give Oscar Wilde’s Picture of Dorian Gray another read:
“There is only one thing in the world worse than being talked about, and that is not being talked about.”
That is what is haunting you, after all, the subject of your feverish late-night tremors and your rattlesnake venom at the world and your bitter racism.
Yet with your concise, cold and cutting words in a brief e-mail to me, full of bile and hatred, you have assured that I shall never talk about you again. And that, in the long run, will harm you much more than calling me “a beggar” because I can cop to begging money when I need it to survive, there’s no shame in that, but you have no excuse for your misanthropic ways; there is now one less person to sing your praises when you’re lowered into the ground, and to think that it was all at your own doing.
Such a damn dirty shame.



