last night, the boy and i, as well as a hoard of design geeks and like-minded individuals, went to the chicago screening of objectified, thanks to coudal partners. i enjoyed it, though, i’m told helvetica is better. (i should probably see it for myself then judge.)
my final takeaway from the movie was essentially my general feeling about “stuff,” whether well designed or not, and that is, we (meaning me personally and society at large) have too much of it.
as naz and i pare down our lives from about 1,300 sq. ft. of living space to that of only 850, i can’t tell you how elated i am. i look forward to having less possessions to move, to collect dust and to be, well, useless. the only reason we accumulated so many objects in the first place, namely furniture, is because we currently have the space for it. we’d buy random pieces that were cheap and that would loosely complement our aesthetic. but the truth is, a lot of it was never utilized or even noticed.
currently we have a second bedroom that serves as our office. as of late, when naz has deadlines to meet, he’ll use the office properly with headphones on, but i’ll take my laptop to the couch, turn on the tube and that’s where i remain for the rest of the night. the armchair and my desk chair as well as my desk are all just sitting there, not serving a purpose. so then, what’s the point?
our new place is a straight-up, one bedroom apartment where the living room will combine with naz’s workspace. at first, the idea of one area doing double duty didn’t sit well with me, but then when i realized that his computer monitor is bigger than our television anyway and has hulu, i instantly saw the advantages. besides, i like the idea that i can do crafting in the living room while the animals lounge on the couch and naz is designing away. oh, and 850 sq. ft. means a lot less cleaning time, which is icing on the cake.
i used to be extremely attached to things, whether they were simply mementos or practical items. but in the end, stuff is stuff, and most of it isn’t necessary. if i had ten minutes to evacuate before a hurricane what do i grab? the animals, some wool tops, my hard drive (i need some electronic data, i.e. memories), my wallet and my iphone. that list came together easy now, under no pressure, but i’m pretty sure the pickings would be more difficult as the eye of the storm approached. but it’s definitely interesting to think about.
29 April 2009
as i said to the boy this evening regarding folks thoroughly ensconced in the internets and where my place is accordingly:
“i feel like you are actually in the veins of the internet. y’know, like you’re white blood cells or something, co-mingling with plasma. me? i’m like the needle trying to poke in.”
13 March 2008
the boy says i should be a banker or financial advisor. and perhaps he’s right, but going back to school or learning a new trade of that magnitude isn’t in the cards right now. nor is my motivation despite a slight obsession on my part to perform routine inspections of all my funds. even my sorry little IRA that is suffering market woes gets a quick glance every other day—a practice that my own advisor frowns upon.
my financial goal someday is to live off the interest. honestly, i have no idea how much money one has to accumulate in order to do this, but i recognize the sum is far larger than i currently have. but in the back of my mind, i truly think this can be achieved. and because of this, i’m continually shopping around for new banking specials. and now that i have no debt, i can concentrate on the saving aspect.
i’m content with my current institution for the everyday stuff, but supplemental accounts are a norm for me. it’s not unusual for me to check out bankrate to see which banks yield the highest interest. and then it got me thinking, why isn’t my institution doing this for me?
i think i already know the answer to this based on that whole the-rich-getting-richer phenomenon. i mean, why should these financial giants help out the little guy? sure, they’re quick to email and snail mail specials on new lines of credit and credit cards. y’know, the tools they use to make more money. but where are the direct mail and promotional pieces boasting savings accounts and certificates of deposit with the highest rates in the industry? (i can only think of one institution that did this, but they’re no longer at the top of the list, so i haven’t seen the hype anymore.)
perhaps my remedial thinking has me believing that if they did advertise more of these types of services, they would also be lining their pockets with the funds of new clientele. oh yeah, i forgot, i’m not a banker, so this may not be the case.
(i actually left one institution when their savings interest rates suspiciously went down nearly 4% upon the announcement of their totally free checking account. i mean, they had to pay for all those free services somehow, right?)
admittedly, i’m getting in over my head about the assumptions involved with banking practices. i truly don’t know why interest rates fluctuate beyond simple reaction to the markets. and my understanding of the market is reduced to the – and + signs. – sign bad, + sign good. red is bad, green/black is good.
so back to what i’d love for my bank to do for me…
i went online to see what my current interest rate was for one of my electronic savings accounts. after doing so, i went to bankrate to see what else was out there. when i did that, i hit a link that actually sent me back to my own bank’s information page on their savings accounts. they had 4 traditional savings accounts plus 2 MMAs. and for the life of me, after comparing the terms between my account and one other account, the only difference i could discern was the interest rate. my rate was a full percentage point less than the other account they offered. it wasn’t restricted to new customers, i could meet the minimums, i had online banking and a connected checking account. so why didn’t i know about it beyond my own research? and now, i need to take an extra step of contacting the institution and either opening yet another account or converting my existing account (if that’s even an option).
if a bank can blast you with promotions based on your spending habits, why can’t they do so based on your savings habits? and that’s really all i want. or maybe other banks do this and i’m just not aware. maybe my current institution isn’t up to snuff in that regard because god knows they could use an overhaul on their online presence anyway.
and then of course having worked in advertising, i know the flip side of this coin. i should be careful of what i wish for. because do i really want banks inundating me with marketing materials?
i’m such a difficult customer.
27 January 2008
