Category Archives: Finances

it’s like a warm blanket

It’s winter in my Harvest Moon (*CRINGE*forgirls*CRINGE*) game, which means it’s mining season. That’s right – there are jewels, gold, and mysterious edible, black, healing plants to collect. No crops can grow, and I already hired enough elves to take care of the animals. Essentially, the mines give you places to dig around. You also get to smash rocks with a big hammer. There are at least 100 levels one could travel down to find more rare, valuable treasures.

I won’t steer off in a diatribe about the symbolism behind this, that a person has to dig themselves a deep grave, losing oneself in the process, to get potential riches, but just note that it’s a background thought as I write this one, folks.

There are rumors around that I’m in the running for a promotion (in title).  This title does not carry any greater salary opportunities, but holds increased responsibilities and a few extra, worthwhile benefits. Yet, I’m the type of person that likes to only count hatched, flapping, feathery chicks. A hen poking around in the grass without any sign of laying any egg is not enough to get me excited, or running for a frying pan (my apologies, herbivore friends). I did not let a foundation of false hope to build, despite the reassuring smiles and knowing winks traveling around, because the position is publicly listed and fair game to outside candidates. In fact, interviews are taking place. I’ve already introduced myself to a few unknowing “rivals”.

Hope, no matter how diluted, still exists, bubbles, and waits. I’m perfectly content digging holes, looking for more stairwells to the next level, but imagine my shock when I was playing my video game and found no other stairwells in that stage. Strange – that never happened before. There were no other options but to leave, to ascend and re-enter. The programming sucks? Try again from the last save point. One of my mentors stopped by to visit today. He congratulated me on my accomplishments.

This sounds like polite, encouraging, and even supportive conversation, but his tone started to align itself with an idea that I’m trapped with no means of advancement, like my Harvest Moon character. He said a little too dismissively, too confidently, that I would prefer to spend my time doing something else, utilizing my degree to its fullest ability. He compared where I was professionally to being wrapped in a warm blanket. Loudly (see: in front of those I supervise, and terrifyingly, within earshot of my superiors).

It was out of my comfort zone, but I interrupted him for a change.

I love my work and find inherent meaning in the most menial of tasks, in the largest of projects entrusted to me. Not to sound like I’m on an interview, but I thoroughly thrive on uncovering any fissures, collaborating, thinking up ways to improve  services to our clients. I strive for an efficient, ethical, and genuine staff that wholeheartedly believes in our grounding philosophy. I use my degrees in Psychology to build rapport, soothe fears and concerns, and generally go above the calling of my job description to meet a moral standard, not merely earn a paycheck. This is not the post of a bitter employee, upset that she’s been deceived or led on in any way. This is the rant of a disappointed person who lost respect for someone who tried to insinuate that I was not where I should be at this stage in life.

I believe my supervisors have the utmost faith in my abilities, and being the relative newbie, dues are owed. Time must pass. Blankets are nice, especially in this economic frost. I love warm blankets, but I also love the cold, the sense you get when dashing across a chilled room in the morning, the rush in your lungs as you make a beeline to use the bathroom as quickly as possible – you don’t have a choice, you just gotta go. However, I don’t view myself as wrapped up in blankets. I am running about in the cold while wearing a sensible amount of layered clothes for the season.

Stability does not negate the prospect of venturing out in the future, or pursuing creative dreams on the side. Paying monthly bills, helping out a few struggling relatives and friends, and a few leftover dollars to save toward better housing, eventual marriage, and the like never shamed anyone. It certainly doesn’t shame me. I put myself through college. I graduated early. I put myself through graduate school. I graduated early. I am self-sufficient financially and blessed with overwhelming love and respect from those around me. Looking forward to working every day is a good sign that I’m doing something right, not wrong. It rocked, no, disturbed me more deeply than I first believe when this person suggested I was limiting myself, and masked their disapproval of my career choices with the claim of looking out for my best interests – at my place of employment, no less.

Plus, I am not sitting stagnant and dissatisfied. I find meaning in my work. I’m here to do the greatest amount of good for the greatest amount of people  possible, and it is my interest, curiosity, and initiative in this aim serving me well, not misplaced motivations to climb a corporate ladder. I do not mean this in a utilitarian sense as Kant did, though many policies are established with this idea in mind. Mother Teresa’s words resound strong and true: “It is not the magnitude of our actions, but the amount of love that is put into them that matters.” The details are just as important as the overall picture.

I stated my case. I said that I better myself in multiple ways every day without yearning for something more. Satisfaction is not settling. Happiness can build a resume as easily as misery. I will never refuse a freely given scarf when there are miles to travel outside on a snowy day, especially when it was hand-knit, just for me.

synonymous with change

Curiosity encouraged me to look up different words in place of ‘change’. Among these suggestions were: adjustment, conversion, development, distortion, innovation, modulation, mutation, reversal, shift, turnover, variance, and vicissitude.

What is striking about this list? There are words with opposing connotations to them, a negative or positive, depending on the way it is used. Mostly, however, the way a word is interpreted and given any form of directional content lies in the mindset of the one processing it. Adjustments can be good or bad. The same for conversions. A human being is constantly in some form of development, from the time of his or her birth to his or her death. Distortion is generally used in a detrimental way, such as one having a distorted sense of reality. Yet, it’s also a term used to denote the sound effects in musical instruments, like guitars. Innovation can be initially positive, but sometimes has a downside to its outcomes. Perhaps an invention that was meant to be used for the benefit of humanity is used against it, to wage war and violence. Alternatively, the presence of nuclear weapons may be dangerous, but many argue that it creates nations that can not only protect themselves, but by stalemating each other, peace is actually made possible and for longer periods of time.

I still have a nagging feeling that change does not have to fall into either category distinctly, like many things in life that I have over analyzed thus far. There are definite trends, sure, but suggestion is powerful. Being aware of one’s weaknesses by taking perspective from a different angle may uncover strengths, whereas paying attention to strengths can sometimes only serve to veil weaknesses. Awareness is painful. Change is not pleasant.

In life, change happens at varying speeds, sometimes through expected natural occurrences, and at times out of circumstances just beyond one’s control or vision. It’s a matter of how a person decides to receive the change at hand.

There was a recent layoff of someone dear to me, and it has affected me greatly. A few other things have led me to finally take the action of being part of two candidate pools of which I have a very good chance at being selected for both positions. They do not readily interfere with one another, and would provide me with greater financial security and general peace, even professional development. There are only mild constraints that can be worked through as details are shaped. Consequently though, my living arrangements are also entangled and bound to shift. I can only hope that I am making decent decisions and that the results from these choices and circumstances will only create a feeling of living authentically in the near future, and afford me the ability to provide for myself and attain my goals more easily. Nervous, but ready to stand and catch the next wave.

How do you perceive change? What is an example of something that has modified your actions, and how are you feeling about it?

And don’t think I haven’t noticed my feedburner count going up — thanks everyone. Comment on a post so we  can get better acquainted!

4.0 and credit card fraud

I have received a couple of e-mails to expand on the tweets posted in relation to a vague credit card fraud incident.

Basically, in a world that is increasingly dependent on technology and has ample paper trails about every individual that potentially contain sensitive information, it is relatively easy for someone to a) steal one’s identity and b) commit credit fraud.

My identity was actually stolen three years ago via paper checks by a check processing employee, which is why I switched over to plastic and added extra protection to my accounts. Yet, my account wasn’t leaked through a botched or hacked online transaction; rather, it was more than likely someone I had entrusted the card with during the advent of Mother’s Day shopping who decided to steal from me. It is not something one thinks about usually, especially myself, being a trusting soul. However, it is quite simple for someone, perhaps an unethical and struggling food server or cashier, to jot down a few numbers and skim the back of a patron’s card for the security code. There were several instances where stores had malfunctioning credit card swipe machines. There have definitely been times where I have nonchalantly handed my credit card over at restaurants in order to pay for the bill. I may never know exactly how this information was compromised, but hopefully this experience will help some of you to avoid similar unfortunate events in the future.

Another new method introduced by these fraudulent thieves has been referred to as ‘vishing,’ where someone or an automated messaging system will actually call, posing themselves as a bank representative, and ask for one’s identifying information (social security number, bank account number, permanent address) in order to verify ‘suspicious activity’ on an account. Case in point: When my bank called me, I did not initially believe them. I searched the website contact information, and could not find their alleged Fraud Department listed anywhere. I called the main toll-free line and had them transfer me directly over. Sometimes, the safest method is to take the longer, more extenuated route. It can be a pain, but I would prefer to break lazy habits in the name of security.

I hope this short post was beneficial, and I thank everyone who congratulated me on my unexpected 4.0 GPA this semester. It was quite a shock to me as well.

the economy

They always told me as an undergrad that one surefire way of avoiding this economy was to stay within the academic environment.

“Nobody can touch you if you’re still in school. You’re safe in the bubble.”

Well, not quite. Although one could technically acquire graduate degrees, certifications, and licenses by avoiding the “real world,” a person also is left without a viable source of income. Many extend their debt by taking out additional loans and deferring others. It all makes sense, though. I mean, I’m in graduate school for the same reasons.

However, I was waiting for a GA job. Essentially, a person works for a department on-campus and gets their graduate tuition fees waived. Unfortunately, due to the state of the economy and the business-oriented mindset of a higher level institution, many of those positions at my particular school have been reduced or cut.

There was no way that they were going to accept a proposal for a new one when they were already laying off others who had been granted permission before me.

Let’s hope I can ride this out with a bit of style and grace.

debit card blues

Alright, so I might not have the greatest memory for practical things in life, like passwords, but I can surely remember the most trivial of details about a person’s life, intricacies about past conversations, and expanded definitions and applications for various psychological terms and philosophical texts.

I can’t remember my debit card pin number!

This is getting ridiculous, and inexcusable. TWELVE different possibilities have been tried at three ATM locations. I failed each time.

The nearest branch is 45 minutes away from me…and the idea of opening a new account for a local bank is growing more tempting.

Having hard cash on me right now would be preferable, really.

uncertain

Life is uncertain. I’m learning this more and more – a person can’t make concrete plans. The rest of the world doesn’t adhere to one’s desires or expectations. One must be flexible, and sure, it’s more psychologically healthy than to remain bent on a particular path when there are surprising diversions along the way.

I expected an assistantship. I didn’t get it. Graduation is freeing – nobody warned me how open establishing oneself actually is! If I knew this, I would have studied abroad, prepared myself to go with the flow. I’m not a flow person. I like having predicted, planned, and definite trails. It’s all more than slightly disconcerting to me, but still manageable. I’m adjusting, adapting. I planned to graduate early from college when I was still a sophomore in high school, after all. And I made it work – even getting a free class or two, and room and board along the way. All of this reassures me that I am an independent person who can handle this. Above all, that reassurance is imperative  to controlling the various waves of emotion churning  at the thought of not having any particular schedule or direction. Where is my Beatrice?

I have two hazy immediate futures starting to form -

1. I can wait it out and see if I get another assistantship approved. If not, I can take out loans (while deferring the undergrad ones), stay employed somewhere on-campus on federal work-study money, live here for free, and attend night classes. My boyfriend lives up the street too. If I get the assistantship, this post is pointless. Otherwise, I can hope that more positions will open up in the Fall.

2. I can hold off on graduate school. An internship I worked over the summer is switching up their management a bit, and there is a tentative position available. If it becomes a certain vacancy, they offered it to me first. This would require me to move back into my parents’ house (where I don’t even have a bedroom anymore), purchasing a car, starting to pay off my loans, and returning to a long distance relationship situation.

Of course, there are other options as well. I can find local employment and still attend night classes. I can potentially leave my position on-campus and move into my boyfriend’s apartment. I can hold off, stay here the year, find local employment, and become my girl friend’s roommate a couple blocks away.

My college has a freeze hire policy right now because of the poor economy. It’s depressing. I almost landed a job within another department, but it requires travel, and they really want people to wait at least a year before attempting to start graduate studies. I know that it would be really difficult for me to resume an academic mindset if I leave it now, especially when the bills start piling up.

So many choices. It’s dizzying. Anybody want to hire a blogger, writer…psychology/philosophy major?

claw game horror

I am a champion of the claw game. My aim is impeccable. Friends give me their quarters in hopes that I can win them the objects of their desire. I have had years of practice – two weeks per summer of my childhood was spent on the boardwalk, playing queen and leaving victorious. I stayed on a budget. I didn’t need to try ten times for a stuffed animal worth maybe two dollars. I really was that good. I’m not ashamed to boast. I shock myself.

So, yesterday was my friend’s 21st birthday. I spent a good portion of the morning and afternoon in a testing center, taking the GRE. Yes, I wore those hideous orange ear muffs they provided to block out the sound of others and my typing. It worked wonders. The raw verbal and quantitative scores were a combined 1150 without the essays, but I am still not sure whether this is a decent enough score for graduate schools or not. In truth, I don’t want to see another standardized test until it’s time for my state and national certification exams. My other friend took the test alongside me and afterward, we started our drive to the beach where our birthday girl wanted us to meet her. Traffic was heavy – license plates were from all over – and it took us almost four painful hours to reach our destination.

I won a lemur stuffed animal. First try. I stayed rusty the rest of the night. I would pick up something in the claw, and the rigging would be tricky – a spring at the top meant to swing one’s prize to and fro in a heartbreaking flurry until it fell, the traditional loose claw method that dropped prizes after strategically being unable to support their weight, and lastly, the awkward sizing of the claws themselves that were ill-fitted for the prizes being offered.

There was a huge Deal or No Deal claw game – the mama or monster of all claws dangled threateningly over large silver briefcases containing vouchers for xbox360 and wii consoles. It was $5.00 for three tries. I did not even hesitate before spending it.

The first two attempts were used to plan my mode of attack. How was the grip on the claw? What was the best angle or part of the briefcase to grab? One had to take the claws that spun – each extension had to land at exactly the right place on the object. I made my final move with a crowd of hopefuls watching as the claw descended, grabbed perfectly and neatly around the briefcase and began to ascend in the air. It raised. It raised higher. It moved, and still, the briefcase held its lofty position. The arcade lights bounced off the metal and illuminated the entire scene in all its glory. Nobody around me was breathing, but neither was I. Our eyes were fixed steadfastly on the prize. It moved closer to the winning area…closer…then dropped. An audible groan resounded around me. A stranger patted me on the back consolingly. It was so close. I felt my stomach drop with the briefcase as it landed with a THUD.

My fingers caressed another Lincoln in my pocket, but held it still. I would not spend $10.00 on fruitless dreams. A man who watched the entire time shook his head at me sadly. I left, and with his son in tow, he put $5.00 in the game.

I almost won an iPhone in a similar manner too, but the delicious pizza I ate afterward with the saved money made my hesitation worth it.

I stick my tongue out

to you, cellular phone company (and your hidden megabyte usage fees)

My cellphone broke about a month and a half ago. I went to a Verizon-affiliated store, but was given a loaner phone containing pornography on it. I returned it and unthinkingly allowed the store owner to photocopy my driver’s license and credit card as proof of holding onto another one. I retrieved it from the store, requesting to purchase a new phone instead. He tried to sell me a stolen one. It wouldn’t register to my phone number. I left and signed up for an identity theft protection program through my credit card company.

My father helped order a new phone for me through customer service. They shipped it to my school. It was a new LG Venus. It worked for less than a month, then the touchscreen display went black and never recovered. I called technical support and they assessed it as a manufacturing defect. I went to a store today to get it replaced and the new ones in stock were all defected too. I opted to return it and get a Samsung Glyde instead (spending way more than I would have normally on anything), and then my father called me. He said he had been charged for megabyte usage on my phone. Apparently, simply opening an application without downloading anything or signing up for any subscriptions still costs money. It wasn’t even airtime fees that were applied to my account, but the mere space that was taken up in opening each program.

Ridiculous.
Me: So, your company is charging me these misc. fees because I looked through the functions provided on my cellphone?

Him: Uhm…yes, Ma’am. We are charging you for megabyte usage, not airtime fees or downloading charges.

Me: And you are also aware that my cellphone was returned for a manufacturing defect, so I don’t even have the ability to look through more programs and be charged more for window shopping?

Him: Uhm…I am sorry to hear that, Ma’am. We will credit you the amount we charged. We are sorry for any inconveniences that you have encountered in using our services.

***UPDATE***:

There was a follow-up phone call where I provided all of this feedback to the customer service representative. Unfortunately, I just went to check out my rebate online and it said they hadn’t received it or processed it yet. Ughhh…

a blanket of stars

my boyfriend’s plane was delayed last night. he’s showering at his relative’s house now. i’m waiting for him to get ready so we can meet up with my cousin and his girlfriend for lunch. i’m broke, and by broke, i mean unwilling to tap into my savings.

it’s windy, and i’m wearing his oversized sweatshirt. and it smells vaguely of him, like some sort of cologne that is distinctly him. i’ve been storing it for months, hoping to retain some of it to last me until he gets home. he’ll have to wear it some more, burn himself into the fabric, because after this i won’t see him again until June. and part of me wants to kiss him, while the other urges me to get one quick slug in before i manage to restrain myself. this has been a bad year for us, but a wonderful year for me.

and i have to call back my internship. and let them know if i’ll be in tomorrow to volunteer an hour or so of my time to visit with kids. did i mention that at all? i’m going to work at a foster care agency. and i’m going to counsel children in their foster homes. and be on call 24/7 with a beeper, like an extension of my residence hall. i hope i can handle this. i need to prove to myself that i can handle it. my great-uncle passed away this week. and my mind is an existential mess of mortality.

what it means to deserve

a conversation with my mother coaxed me into a rather contemplative mood that lasted for hours. we were walking through a mall, shopping bags in hand, when we meandered our way into a shoe store (not uncommon, right?). I found two pairs of shoes that I liked, but they were priced at a hefty $110 together. I tried to dissuade her, wanting only one pair, if any at all, but she said, “You deserve to have more than one pair of shoes.”

It made me question the logic behind her sentence. How does one deserve anything when even life is taken away so easily? There are millions upon millions of people suffering right now. I felt sick when she said it, not out of lack of gratitude for her willingness to spoil me, but because I thought about the people who were starving at that moment, who were homeless, who were cold, sick, unloved, alone. They are still out there. And here was the woman who brought me into this world, showing affection to me through material goods she cannot really afford, but wants to give anyway. This was someone I have come to nearly despise through the way our personalities clash and all of the turmoil between us throughout my short lifespan and despite all of our differences, yet she was still there, providing for me, giving me luxuries that I didn’t need, but merely wanted.

An overwhelming sense of guilt filled me like rain falling too quickly for the underground pipes to carry away. We have so much here. The very fact that I am publishing this online shows how privileged I am. I do not deserve extra shoes. Everyone deserves love, to be treated with dignity and respect, but I don’t think that anyone deserves excess. Excess, to me, is a waste. I want a simple life, but I want all that is really true and valuable in life. I look around my cluttered room, at all of the things I am going to be leaving behind when I pack up for school because I’ll deem them as not being necessary. It’s almost disturbing how one can become attached to material objects just due to having possession over them. I may own a book that I haven’t read in years, but I would rather keep it on my bookshelf over donating it to someone who has never held a book in their hands and was able to call it his/her very own. It’s selfish, entirely selfish, and yet I think we are all flawed in this manner. I’m not sure whether it’s our nature or a flaw…perhaps humans are flawed by nature, but I wish I could change. The idea of ownership is one that is foreign, yet familiar to me. Though we have been brought up with it in this society (and indeed, in most cultures around the world), actually having useless, though treasured items irks me.

I wonder if this feeling will last and if it’s being induced by the philosophy I’ve studied so far in college. Again, I am thankful to even have the title of a college student. Is this what happens when you start to grow up…does the world peel away one layer at a time until you are left with the very core of your being? I don’t know if I am ready for the inevitable confrontation between my external persona and my inner-self. I may not like who I am.