Kathie, thankfully I DON'T remember much about those cold Ohio day's, I've been here in Florida for 44 years now, thank goodness!
Bill, glad you are getting things sorted out with the new checking account. When I moved into this house here I changed banks & did the SS account switch online, I think it took 2-3 months to transition to the new account but the process to change was easy.
Met the lady as planned this morning so now I'm $15 richer, Lol.. The shelves came from my neighbor across the street who is always tossing out perfectly good items . I go over & check out what she's tossing. I've gotten several things like this that I sold on FB. A few years ago she tossed out one of those spiral collapsible outdoor Christmas trees, I thought for sure it probably didn't work, brought it home, plugged it in & works just fine. Now I put it up every year in Jane's front yard.