Disaster Mitigation

When I found out that I was coming out to Aceh, I had about 2 weeks to close shop in Washington. One thing I didn't have to worry about was changing my address or forward bank bills to some PO box because I long ago hopped onto the e-banking bandwagon, got rid of paper statements and did all my banking online. It was great! I set up all my regular payments on autopay...credit card, my school loan, IRA... And with a decent internet connection in Aceh, I could transfer money from one account to another...

Until tonight.

Mom receives a call in VA from my World Bank account (yes I'm proud to say, I have a checking account with the World Bank*) saying that I didn't have enough money to cover my credit card autopay (due to shopping spree with Lillian in Singapore). I was in a frenzy to transfer money into my ING Orange Savings account this past weekend because they are having a 4.75% interest "sale"

So, greedy me wanted to maximize my interest earnings and transferred a bunch of money into ING. Little did I realize my $50/month student loan payment was withdrawn from my account this morning, leaving me a couple of bucks short. A guy was from the World Bank was kind enough to call me to tell me I had to get money into my account by 1pm EST (this was now 10:30am EST) or risk having my credit history be destroyed, thus never becoming a home owner. Ok, so I'm exaggerating. But still, I don't like to be in the red.

PANIC! PANIC! PANIC! What do I do? What do I do?

1. ask my mom to trek down to the World Bank in downtown DC to deposit some money into my account,
2. find a friend who has a World Bank account and ask them to transfer money into it, or
3. risk being blacklisted.
   

THANK HEAVENS FOR KELLY! I wrote this frantic email to Kelly, who I knew is always glued to his computer and checks his 10 email accounts constantly. This guy's even got his home security system connected to his email and receives an email notification everytime a door or window opens or closes in his house.

Within 2 minutes, Kelly transferred some money to pad my account. It makes me feel all warm and fuzzy to know I have such dependable friends. Thanks Kelly!

*That's the World Bank staff credit union. The WB only loans money out to countries.