Dear Uncle Bob and Uncle Bill,
Thank you for the opportunity to participate in the invitation-only B.S.R.C. Golf Tournament, although I regret that my opportunity was only afforded at the expense of your (Uncle Bill’s) hip ailment.
Thank you also for your contribution of equipment to get me started. As you can see in the photo below, I am well equipped for my fourth set of lessons from my Dad. My goal is to improve to a level where I will neither embarrass you nor the equipment.
In the photo below, you will notice that my father has already begun my instruction as he is explaining where the ball should make contact on the club. You will see where I am proudly displaying Jeff’s alma mater, N.C. State. Most of the clubs in the bag are the originals used by Jeff at college, although I have acquired a new putter. At the bottom of the photo you will see my new golf shoes, which are far superior to the last set of $5 garage sale golf shoes I owned, which failed on the 17th hole (all cleats breaking off, leaving only bolts) resulting in the CFO of our company making me finish the 18th hole in my socks.
You will also see the dozen balls, Uncle Bob, that you supplied me in the egg carton. My father tells me these are quality balls, and has yet to let me use them in practice. Instead we use the practice balls he keeps in a Wallgreen’s bag in his trunk.
I know all players in the B.S.R.C. are apprehensive about my play. I can assure you I have improved in just four lessons, making logarithmic gains. I suspect we will be able to use one of my drives within the first three holes.
Thank you again. I look forward to seeing you tax-weekend in April.
Your nephew,
Jeb

ETrade added keyfobs over a year ago. Kathy and I got two free keyfobs, and while it made it more difficult to access, I actually appreciate the security given that is where we store most of our investments.
HSBC added a second password that has to be “clicked” in using a little on-line keyboard. In this way, crooks cannot use a “keylogger” to capture what you are typing. I didn’t mind this step so much, but then they decided last month that my passwords were not complicated enough and they quit working. There was no explanation of this until I called in and talked to a very nice person on the other end of the phone. However, the nice person had to ask me a lot of personal questions so that he was convinced I was who I said I was. I agree with Ted I don’t like giving out this personal information and will start making up answers (that I can remember.) I store hints to my passwords in notepad.yahoo.com (Mom… you may want to do the same.) I store lots of things in notepad.yahoo.com. Very useful because I can get to my notes and tips from anywhere on the internet.