BofA gives out $78, free taxes

Sorry that things have been quiet today. I got a MRSA infection, and it makes me extra tired. With a little extra craziness (next week I'll be guest posting on Ms Money Savvy about IRAs, with a tied-in post on this blog) I've been busy and worn out.


But here are some things that you need to know sooner, rather than later.


If you were a customer at Bank of America between 2000-2008, you may be eligible for $78 back, thanks to a class action lawsuit settlement. This is for extraneous fees that were charged on overdrafts. Find more information here.


And for all you diligent people who are already attacking your taxes (we are e-filed as of this morning!): Don't forget about IRS's Free-File. Under this program, you may get access to tax software for -- you guessed it -- free. In addition, if you qualify, you can e-file without being charged.


The tax software is legit -- one of the participating companies is H&R Block, so we used TaxCut gratis. And if you're not sure which one to choose? The IRS can guide you by asking a few simple questions.


Also, be sure to check that you received the correct stimulus payment last year. For example, based on my 2007 return, I only qualified for $300. This year, I earned income, so we got an extra $163. Check the amount you should get here.


If, like me, you can't for the life of you remember how much your check was, the IRS has a page to help you figure out your payment.


And never forget: The IRS has a 1-800 number. Use it. The times I have called, I have found the workers to be helpful and polite. But call earlier rather than later. The closer to April, the more likely it is that you won't get a call back for up to three days. (Though they will call you back. I speak from experience.)

So close, and yet so far

Well, it's official: Tim has another boil.


I was starting to get my hopes up, because it'd been around two months (since the last time I posted about it) since he'd had one.


But he got another one -- and in yet another new strange place: his nose.


We were hoping that it was just inflamed because he was fighting a cold but the bottom of his left nostril got more and more swollen. And so he went in to the doctor to have it confirmed.


The best part? It's actually in his nose. Ewwwww. Poor fella.


It's disheartening for him (and me) to be sure. I think we were both starting to get our hopes up that he was officially getting a break from any more boils. The relentlessness of a chronic condition -- including a propensity toward MRSA, apparently -- is what truly wears you down.


But, to be fair, it's not all that surprising: MRSA actually hides out in the nose. So we're going to have to go back to swabbing with the anti-MRSA stuff, ick. Better safe than sorry though.


In part, his success has been due (I think) to not reusing towels or clothes, though that really increases our laundry load. It's money well-spent when you consider the pain and frustration of boils, let alone the co-pays for doctor visits.


The other big factor is that his light therapy has really been keeping his skin clear. Unfortunately, he's been starting to burn, even with sunblock, so they have to cut back on time/visits. And, as I understand it, he can't get light therapy indefinitely, since there's an added risk of skin cancer.


What you have to love about Western medicine is that nearly every solution creates a potential problem.


For now, though, he's relatively clear and actually vaguely comfortable (in between boils) so that has to be our priority. That and putting sunscreen on him as thoroughly as possible before each light session.


Anyway, we actually have some fun planned: My mom grabbed some screening tickets from the student center. And they just happen to be for Max Payne, a shoot-em-up that Tim wanted to see. We have to stand in line for an hour or so, but for a free movie I'm game.


So we'll go down to the University District and have Tim get in line, then I'll go and grab some cheap teriyaki (gotta love student-priced food) from an old favorite place of mine, and bring it back to him so we can eat. A cheap night to be sure!


I know I've mentioned this before, but you should always check any weekly papers your town has. That's where most movie screening tickets are offered, though sometimes regular papers offer them, too. Sometimes, you just go by a shop and pick up the passes; other times, you have to mail in a postcard or something. Either way, that's a pretty cheap flick!


I'm off to get some work done, we have appointments before the movie so work has to be done early today.

Looking into my husband's head (literally)

Sure, some couples prefer to spend their weekends cooing at each other, going out to eat, seeing that new movie, or some other activity. But that's just so... obvious.

Instead, I spent the weekend peering into my husband's head as we dealt with a MRSA site on his upper left temple.

The pressure had gotten so bad that he said any movement of his scalp (surprise, laughter, talking, etc) felt as though he were being punched in the head.

By 8 p.m. I was getting worried. (And it takes a lot to worry me, these days.) The boil had opened up but, unlike our previous experiences, the pressure hadn't eased. If anything, the pain was worse. And as I was cleaning it, I could see at least a quarter inch into his head. ("In sickness and in health," people.)

When we finally went to the hospital around midnight (he took some convincing), they wanted to just bandage him up and send him home. This was after the obligatory culture, which the doctor wouldn't numb him up for, claiming it would hurt more to numb the scalp. Clearly, he's never had a MRSA wound himself.)

This doc had that annoying attitude: the kind where you're not sure if it's from being a 50-something white male, or from being an MD which automatically qualifies him to always know better than the person who's experiencing the symptoms. When he spoke, he smiled but it was plastered on his face in an unconvincing way.

I tried to talk to him, but he cut me off mid-sentence. "You have no idea how many of these things I see," he said, still smiling and yet managing to look vaguely irritated. He then said something placating and left. I tried talking to the nurse, but though he was sympathetic, he had to follow the doctor's instructions.

The doctor returned and I tried again. I told him we've dealt with MRSA before and this was worst than most. If we had just wanted someone to bandage it, I said, we would have done that at home. Soon, the gauze would need changing and we'd be right back where we started.

The doc responded by repeating the same platitudes as before. He maintained, also, that the area was getting more sore because we had been "poking" at it. (Tim had mentioned trying to push some of the pus out, which is a no-no, but we had barely done this at all because of the pain.) He said the only other option was to drain it. Yes, I said, that is exactly what we want! But he demurred and said he really didn't want to open it any more than it already was.

I told hubby I wanted a second opinion: This doctor wasn't listening. In several instances, we had to repeat the same thing two or three times before the doctor would hear us. And more than once he cut me off mid-sentence. So we decided to go to another hospital.

But as we walked out, I was exhausted and overwrought and also thinking about another $75 ER copay. Don't get me wrong: My husband's health is not something I want to put a price tag on. But I felt like we were getting the brush off at a rather costly rate!

I turned around and found another doctor. I told her we felt our doc wasn't listening. Then -- and I hate this -- I started bawling. "He's not listening to us and I'm afraid there's something really wrong."

She took us back into the room we had just vacated. She listened to hubby's problem and to our opinions, based on our experiences. She said the bandage-and-drain procedure was the usual route, but, since we were obviously worried, it wasn't unreasonable to get a CAT scan. That way, we could see any deep pockets of infection.

In the end, there were no pockets. And it's one of the few times I was happy to be wrong. We ended up with the same instructions and a second antibiotic. But we had more. Someone had listened to us and responded to our problem.

To be fair, I should point out that I have an especially bad reaction to doctors brushing me off. When I got Guillain-Barre, I kept being told I just had a bad case of the flu with weird side effects. Even the ER doctors were sure I was overreacting. And if I had accepted that, I probably would have died.

You see, I didn't know at the time, but my respiratory systems were slowly failing. I didn't notice until suddenly I couldn't breathe. And how do you make it to the phone, let alone call 911, without oxygen? Luckily, my aunt and uncle were there that day, and they weren't leaving until tests were run. They just knew something was wrong. It may have saved my life.

So while perhaps I was just being alarmist, I'm inclined to go with my gut when it comes to illness. Better to sheepishly apologize later than wonder "what if?"

Have you ever disagreed with a doctor? Did you speak out? How did it turn out?