Day In and Day Out

Yesterday was a glorious day in my neck of the woods. Sunny and warm, with temperatures in the mid 60s. Very April-like which was a relief from the February-ish November we just escaped. If you didn’t know better (unless you live in south Florida) you’d not know there were only 23 days until Christmas.

SantaWhen I was a kid we always knew how long till Christmas. That goes with childhood. You could have asked any random 9 year old on May 6 how long till Christmas and without hesitation would have gotten “only 233 days!” in reply. Parents got a little extra help. Beginning the day after Thanksgiving the morning paper posted a happy Santa holding his nice or naughty list proclaiming “20 Shopping Days Until Christmas!” That’s what yesterday’s paper would have printed. Yes, back then there was a difference between days until Christmas and shopping days ‘til Christmas.

This isn’t a post about how great things were in those good old days. I just want to point out that back then the stores weren’t open on Sunday and on Christmas Eve it wasn’t unusual for many to close before dinner time so the employees could be home with their families. Not every day was a shopping day. Of course today the stores can be closed and still shopping gets done through the magic of on-line retailers and electronic charging or cash transfers. Still those places with real doors will be opening them every day until Christmas.

Except …

Not everything is open on Sunday. And I don’t mean the post office. You can receive and they do deliver mail on Sunday. No, I mean banks. Banks, those financial institutions that try very hard in their ads to convince us that they are just ordinary people like the rest of us mere mortals working to make our money work hard for us. Uh huh.

Over the years they’ve made it handy enough for us to do most banking without their input. Automated teller machines have been around for years along with on line money transfers and automated recurring payments. Just like you would expect in the 21st century. Then why in a day when a merchant can determine whether you have enough in your checking account to cover that new OLED TV with your debit card even if it is 2:00 on a Sunday afternoon, and manage to reduce your balance by the price of that TV (plus tax and extended warranty) they still make you wait three days with you make a deposit “for the check to clear.” And why do they never tell you what they are doing with that money in the interim. It seems like they don’t have to long for the good old days. They never left them.

Back to shopping though. With now just 22 days till Christmas (and if I recall last year some retailers were actually guaranteeing same day delivery of select items ordered by noon on Christmas day making it now 23 shopping days till Christmas) I better get myself in gear. I have a lot of preparations to make. No, not a lot of shopping to do. I don’t do much shopping for Christmas. I’ll still put together a small stocking for my daughter (after 29 years the Santa fantasy is now more mine than hers), but otherwise the gifts to and from the rest of the family are our love and company.

The preparations I have to make are keeping my recycle bin empty for the daily onslaught of printed “gift guides” and my “Delete Finger” limber for elimination of the electronic version of those same and similar guides from my email inbox. Has anybody noticed those gift guides all seem to bear recommendations for anybody on your Christmas list with gifts from the same store? Who would have thought your 96 year old aunt and your 7 month old great nephew can be satisfied in a single trip to the same hunting and camping emporium. And no I am not receiving that email because I requested it. I never heard of you before and where is the “click here to unsubscribe” line?

One thing I don’t have to prepare for is an unusually warm Christmas. In fact we get back to December weather later today with falling temperatures and snow by morning. For those of you living in south Florida that’s the white stuff Frosty is made of.

99

99.4% pure

99 bottles of beer on the wall

99 luftballons

99 parts perspiration

99 days until Christmas

SantaFrankYikes! Only 99 days until Christmas! That must explain why I’m starting to see Christmas displays and decorations for sale in the stores. They don’t have themselves decorated yet. Halloween is the theme for their own decor but there are indeed in store Christmas displays started to crop up. I went to At Home last week and walked by close to a hundred artificial trees just inside the main entrance.

I’ll be the first to admit I’ve tried (often failed but tried) to adhere to the adage “proper planning prevents poor performance” but I don’t think the first space shot took three months of preparation. Ok, that’s probably not true but still.

Since the world is giving us three months to prepare for Christmas (or whatever winter holiday you want to celebrate, I’m picking Christmas), here are 99 suggested activities. One for each day.

 

  1. Tell someone you love them
  2. Tell someone you love who you haven’t talked to for a while that you love them
  3. Read something you know will make you smile
  4. Watch a movie
  5. Give blood or give a donation to your local blood bank
  6. Listen to a song you used to sing along to
  7. Send somebody a card or letter – a real one, not one with an “e” in front
  8. Hug a friend
  9. Buy flowers for yourself
  10. Offer to help
  11. Take a walk
  12. Read something you know will make you cry
  13. Update your emergency contact information
  14. Splurge on yourself
  15. Pet a dog
  16. Watch a cartoon
  17. Call a friend (Don’t text!)
  18. Do something without thinking
  19. Apologize for what you did yesterday
  20. Straighten your sock drawer
  21. Meditate
  22. Hold a door open
  23. See the dentist! At least make an appointment
  24. Try something healthy
  25. Eat a cookie
  26. Try something new
  27. Retry something old
  28. Have a waffle
  29. Go to a museum
  30. Sing along to a song you used to listen to.
  31. Leave a penny
  32. Call a relative
  33. Play with a child’s toy
  34. Draw a picture
  35. Play solitaire
  36. Exercise until you like it
  37. Watch an old movie
  38. Change (or make) your email signature
  39. Read a short story
  40. Sing a song a capella
  41. Laugh for no reason
  42. Make up a knock knock joke
  43. Be nice to someone you don’t agree with
  44. Eat an apple
  45. Eat candy
  46. Unplug
  47. Talk with an accent
  48. Sleep late
  49. Put together a jigsaw puzzle
  50. Take a ride for no reason
  51. Pet a cat
  52. Hug a friend again
  53. Recycle
  54. Give something away
  55. Change the batteries in your smoke detectors
  56. Whistle a happy tune
  57. Pickle something
  58. Be bold
  59. Be careful
  60. Admit fault
  61. Talk to others nicely
  62. Tell a story
  63. Invite a friend over
  64. Talk to yourself nicely
  65. Let someone go in front of you
  66. Don’t be late!
  67. Take a chance
  68. Buy a chance
  69. Yell out loud
  70. Say something nice
  71. Give thanks
  72. Buy something you don’t need
  73. Put on a happy face
  74. Take a selfie
  75. Organize the spice cabinet
  76. Go to bed early
  77. Offer to help
  78. Have a brownie
  79. Donate something you haven’t used yet this year
  80. Smile
  81. Agree – respectfully ChristmasTree
  82. Look at old pictures
  83. Work it out
  84. Be silly
  85. Clear your mind
  86. Ask for help
  87. Disagree – respectfully
  88. Wear plaid
  89. Write a review
  90. Clean the mirrors
  91. Clean the refrigerator
  92. Tell someone a secret
  93. Learn three new words
  94. Draw something
  95. Wave to the neighbors
  96. Welcome an old friend
  97. Plan next year’s resolution(s)
  98. Take responsibility
  99. Say a prayer

 

Merry Christmas. Eventually.

There’s No Business Like Shoe Business

I was looking for shoes last week. I don’t really need them, I have more shoes than I really need but since I was shopping anyway, why not? I found out why not.

I was at the local mall with the basic department stores, a shoe “warehouse,” and some discount department stores (you know, the ones that end in “Mart”).  No real shoe stores. For them you have to go into town, to a high end shopping area, or to an outlet mall. And that’s the shame of it. You see, for a man, unless you want athletic shoes or work boots, the only places to buy shoes are the real shoe stores.

I haven’t figured it out. These same modestly priced shoe stores and departments have plenty of women’s shoes in various styles – casual shoes, sports shoes, dressy shoes, sandals, boots, clogs, mules, pumps, flats, and yes, even athletic and work shoes. Women can buy shoes to work in, play in, go gardening ,shopping or boating, can go to the beach or to the mountains, go riding motorcycles, bicycles or horses, go to church, go to a marathon as either spectator or runner, or even go shopping. Men can buy shoes to play hoops or go to the worksite. Actually, men can buy athletic shoes with steel toes so he can go the work and stop off at the basketball court after without even having to change shoes. How convenient.

Anything more than that, anything like a Scotch grain loafer, a natty cap toe, a conservative wingtip, a plain toe slip on, a basic oxford, or a canvas moccasin aren’t going to be easy to find. For them you have to clear a day, plan a trip, pack your lunch, and check your bank balance.

And you look at us and wonder, often out loud, “are you really going to wear those shoes to church?”

That’s what I think. Really. How ‘bout you?

Just About the Last Minute

 

It’s down to 3 (three!), 2 (two!), 1 (one!), Merry Christmas (!) and we are at the clubhouse turn.

The clubhouse is pretty appropriate here.  This year’s Real Reality of Christmas season started with “Let’s Go Clubbing” (Nov. 17, 2014).  In that post there is the outrageous suggestion that this year everyone would be consumed with cooking, baking, and decorating.  And that seemed to be a pretty fair estimate of outrageousness just as it is most every year, at least around here.  One thing it didn’t seem to be was all consumed with shopping.

Shopping was quite tempered this year from the lack of catalogs (see “The Great Annual Christmas Catalog Shopping Guide,” Dec. 15, 2014) to the lack of fellow shoppers (see “Next to the Last Minute,” Dec. 18, 2014).  We’re wondering might that be due to the lack of stuff.  It seems that every year there is more and more stuff that you only see at the holidays.  Advertisements bear this out.

Think about what you have seen recently on your television.  If it weren’t for the commercial air time between Thanksgiving and Christmas you would think nobody ever drinks liquor, sparkling wine, or pomegranate juice.  If not for those four or five weeks (and the week before Mother’s Day) jewelry stores would close.   Women’s fragrances, perfumes, and colognes appear not to be bottled except for this time of year (and that week in May).  Men’s fragrances are not even bottled this one time each year but they are dusted off and shipped to the stores who agree to build even bigger displays of the always more lucrative woman half of the couple version which are bought by the gift-clueless man half of the couple.  If the Christmas season did not exist, neither would DVD versions of “classic” movies and television shows.  And do we even have to mention Chia Pets?

In some cases it is not just the product that only appears at the end of all years.  Sometimes there are entire stores, even entire categories of stores that only show themselves during the Yule season.  In addition to the already noted jewelers, fitness equipment makers (infomercials excepted) and fitness centers, kitchen gadget specialists, and book sellers rarely make themselves known other than during this holiday period.

With all the extra time bought up by these specialties you would think that the routine advertisers might be a bit miffed.  They are, after all, missing out on a lot of chances to push their products.  Don’t worry about them.  As the number of Christmas movies and specials increase, even though there might be fewer numbers of ads for the commercial staples, the interaction between seller and sucker – err, customer – remains at least the same, if not better.  With some well-timed offerings and a new catchy jingle or two those companies will somehow manage to stay in front of the buying public until at least the Super Bowl.  There will always be enough people buying cars, beer, soup, and cell phones.

And do we even have to mention Chia Pets?

Now that’s what we think. Really. How ‘bout you.

 

Breach My Britches

We’ve talked about this before and people aren’t listening.  Or maybe they are and they don’t care.  After all, it’s their money if they want to give it away.  It just seems that it’s more the Average Joe and Josephine that are being bamboozled.  And just what are we talking about?  Call it what you will from the polite “breach” to the let’s-be-honest-about-this “theft.”  (And you’re probably figuring out that this isn’t going to be one of those breezy, happy go lucky posts today.)

So, here’s the deal.  Now K-Mart has joined Target and Home Depot and Michael’s and even P. F. Chang’s and Dairy Queen having had their charge systems hacked.  And what about all the other stores owned by the same companies?  If K-Mart’s systems have been compromised what about Sears and Lands’ End and Parts Direct?  Is our money in peril at these stores also?

How do we know these attacks are aimed at the little guys, the you’s and me’s of the world?  Look at the targets, like Target.  Not the sort of places Donald Trump patronizes.  Why us?  Because is seems for the good or bad, our demographic doesn’t pay much attention to our money.  We’re funny that way.  We might make sure our 401K is being matched but we willingly hand over our debit and credit card numbers to any retailer – brick and mortar, on-line, or phone.  It might only be a $10 purchase but it’s usually $10 we don’t have in our pockets and pull out a card for payment.  Stop and think about it.  When was the last time you used real money for gas?

So using money might help to fix things.  If there aren’t cards being used then cards’ information can’t be stolen.  But what about virtual stores?  You can’t stuff a $20 bill into a modem.  We used to use things called checks.  We would order something, send in a check for payment, and the store sent us merchandise in return.  Just like with money!  So you had to wait a few extra days but it beats spending days on end trying to convince the good folks at your local bank that you really didn’t go to Barbados last weekend and spend $2,400 on Jet Ski rentals.

If you think you’d like to get in on this new-fangled thing called money you better do it quickly.  It seems a number of banks are considering doing away with, and some actually already have done away with branch offices.  They could soon be no bank to go to get money.  We’ll still have ATMs but they aren’t any more secure than the stores’ money systems.  In fact, banks have already been hacked.  JP Morgan Chase may be the most recent, and affecting 76 million households the largest, but it’s not the first bank to lose our data.  (See list below.)

Where do you shop?  Big box stores, grocery stores, on-line? This year’s retail “winners” in the data breach contest are the thieves who hacked into Home Depot, Target, Supervalu, Neiman Marcus, Michael’s, E-Bay, and K-Mart.  Where do you bank?  There are too many of them that have been lost to thieves to even think about.  And when you think about banking don’t just think about your debit card.  Where are your credit cards issued, processed, and billed?  Who holds your investments?  Do you have retirement funds sitting somewhere?  And who will be next?  Insurance companies or utilities?

A poll taken by the Travelers’ insurance companies in July of this year discovered that only 23 percent of those questioned worry a great deal about identity theft.  Even though the past year has seen at least a half-dozen major news stories on significant data breaches, this number is actually less than those who worried a great deal about identity theft in May of last year (31%).

So come on now.  Join us and join the folding money brigade.  Do you know where your cash is?

Now that’s what we think. Really. How ‘bout you.

 

(To see our past posts on this topic please enter “Debit” into the search box at the upper right of this screen.  To see the real scary stuff, type in “Bank Data Breach” or “Retail Data Breach” into a search engine, skip the articles and go straight to the comments.  Scary, scary.)

The Top Ten Data Breaches per Bankrate.com (Data from 2013, does not include 2014 incidences.):

Target (affected 40 million card accounts and 70 million customer data for $1.5 billion)
Global Payments, Inc. (1.5 million card accounts for $90 million)
Tricare US Military medical insurance (5 million beneficiaries’ identities stolen)
Citibank (360,000 credit card accounts for $19.4 million)
Sony (100 million users’ identities stolen)
Heartland Payment Services, credit card processor (130 million card accounts for $2.8 billion)
Bank of New York- Mellon (12.5 million customers’ personal data lost during back-up transfer)
Countrywide Financial (17 million accounts downloaded by employee and sold to other lenders)
T. J. Maxx (90 million card accounts for $2.47 billion)
Veterans’ Administration (26.5 million veterans and active duty identities stolen)

Move Along Please

We’re starting to notice something in the stores that we’re patronizing.  There are crazy people out there.  Allow us to explain.

Just a few days ago we were in a grocery store.   Not one of the mega marts that has everything from fresh dragon fruit to Lint Lizards.  This was a much smaller version that had everything from soup to nuts as long as you didn’t mind the canned variety of either.  It’s not unusual in either version’s produce section for people to shake, sniff, thump, or rattle the offerings in search of the freshest of the fresh, or in mid-March to find the least out of season depending on the origin of the well-travelled fruit or vegetable.  And at the meat display one will check out the marbling of the well fatted full grown steer.

On our trip to that store on that day we were in search of ground beef.  Not much you can tell from ground beef that isn’t on the label – its pre-grinding primal cut, fat content, weight, price, and the date ground, hopefully matching the date to be purchased.  Yet there in front of the entire display of ground beef, shopping cart angled to extend across the complete linear footage was a lady carefully examining each package of ground beef.  Well, perhaps not each package but several of them, and each of them quite carefully, looking them over as if to determine that the fat content printed on the label wasn’t what her eyes were able to discern.  We wanted to say “Move along lady, it’s all from the same cow and whatever you’re making isn’t going to be that fabulous or you’d be up at the other end where the cows are a little more put together. “  But we didn’t and eventually she found one that had the color, size, shape, or fat content of her liking and we snagged ours.

It was on that same trip that He of We decided it was time to spend a couple of dollars on our retirement plan, also known as the Power Ball.  So he stopped at the window where some young man was robotically entering the numbers of the daily number players into the state lottery computer and exchanging “Sure Thing” dollars for “Can’t Miss” numbers.  The line moved quickly, most of the hopefuls hanging their hopes on the quick pick versions of their numbers du jour.  And then there was just one in front of He of We.  And that one began with “Gimme Big Four, 1-2-3-4, fifty cents straight, 40 times,” and the young man punch the number in once, hit the quantity for 40 and we waited while the machine printed out 40 identical tickets.  “Anything else?”  “Yeah, gimme the Daily, 1-2-3, a buck straight, 40 times.”  Again we waited for the little machine to gasp out 40 more identical tickets.  “Anything else?”  And this was when He of We said “No, you’ve reached your limit.  Are you trying to make certain that if you should in your wildest fantasy actually hit both of those numbers that by spreading out your 60 dollar wager the IRS won’t figure out you’ve won around $20,000 because you did it 50 cents at a time!?  Now, move along please.”  Well, actually He of We just thought that and breathed a sigh of relief when the big spender asked for one more pick but more conventionally taking just the one wager and then passed a handful of bills to the still robotic young man.

Yet another shopping outing of ours put us into the main aisle of a national chain of stores that claims to provide items for the bedroom, bathroom, and other rooms beyond those two.  It seems odd that almost half of the store is dedicated to kitchen items and that kitchen isn’t in the store’s name but then we didn’t name that store so what do we know?  In that main aisle we stopped to peruse one of the several clearance shelves.  It is quite thoughtful that the store tags its clearance items with the reason for the item being on clearance.  ‘Last one,’ ‘demo,’ ‘returned,’ ‘only 1 of a pair.’  All very helpful.  But one of their reasons was “broken.”  It was there that we noticed that many of the items on the shelf were tagged with that very reason.  A clock was broken.  A storage box was broken.  A lamp was broken.  It would seem that if an item is broken, that to sell it means the store doesn’t place much value on its customers’ intelligence.  It’s almost as it they are saying, “If you make it cheap enough, people will buy anything.”  And from the picked over look that the clearance section had, it seemed that many people had at least semi-seriously considered many of those items before deciding to move along, with or without encouragement.

So we’ve noticed that not only are the customers getting a little batty but so are the shopkeepers.  Actually we don’t mind a little insanity in the shopping place.  It makes for some lively dinner conversation and provides us with a bit of caution to not be too batty out there ourselves.  But then, as long as you don’t dally and keep moving along, not many will notice.

Now, that’s what we think. Really. How ‘bout you?

Quantities May Be Limited

You go to the store to get that great sweater on sale you saw in yesterday’s paper.  You go to the department, then to the aisle, then to the rack.  You see the sign.  “Great Sweaters.  Regular $49.99. Two Day Sale $1.78.”   You reach for it and find . . . a picture of the sweater with a banner across it that says “Sold Out.”

No, this never happens at the store.  Not a brick and mortar store, that is.  But it happens all the time on line.  You get an e-mail that says for tonight only, all housewares are 99% off.  You click on the link, the page opens, you see the counter in the corner, “Page 1 of 24; 20 of 480 Items.”  Page 1 has a couple things you like.  That Ice Crusher would be a real centerpiece for the counter but it’s “Sold Out.”  Page 2 has a few more things of interest, and a few more “Sold Out” banners. 

By the time you get to Page 5 you’re seeing more “Sold Out” masks than items of any real interest.  You brace yourself for the long ride and decide to hit all 24 pages.  The final count.  Two things actually worth considering, one of them actually at a good price, and 307 items with a banner across their pictures announcing them to be “Sold Out.”  Is that fair?

If they can put a banner on the picture why can’t they remove the picture?  Or are the on-line stores trying to tell us that if we had less of a life and could spend all day with our e-mail open and hop on the announcement as soon as it was posted we too could be proud owners of a solar powered ice crusher?

Yes, we know that sometimes things go fast on line.  Better to know they are sold out than to try to put a pair of chinchilla bowling gloves in your shopping cart only to find out later you aren’t getting them.  Still, a little site maintenance would probably end up in better sales.  We’d get less frustrated and actually go through all 24 pages – now reduced to 4.

Brick and mortar stores found out the hard way through consumer backlash that if they plan on advertising a fabulous deal but only put 2 or 3 copies in each store that they better say that in the ads.  Then we know that when we get to the $1.78 sweater rack and we see an empty space that we missed out.  We don’t need a picture to remind us of what we didn’t get.  Maybe the on-line shops should take heed. 

“All housewares on sale.  Seven to choose from.”

Now, that’s what we think.  Really.  How ‘bout you?

 

Terms of Appreciation

You know that every so often new words are officially added to the English language.  We’re not certain exactly how the process goes but we know that “somebody” figures out that we are using non-words so often that eventually “they” decide to make those words official and add them to the language.  Fortunately language isn’t like the physical law of conserving matter.  There is nothing that says there only so many letters available and when you build more new words you have to lose some old ones.  We can keep adding words all we want and we don’t have to put any of the old ones away.  But is sure seems like there are some words that we just don’t hear anymore.  Two of them are “thank” and “you.”

You knew you were getting set up for something.  But really, have you noticed that “thank you” is going fast.  Particularly at the grocery store, bank, convenience store, restaurants, and fast-food drive thru windows.  (We’re pretty sure “thru” is one of the new words we’re allowed to use so we will.  Besides, ‘drive-through’ looks weird.)  And it’s not just that “thank you” is disappearing.  It’s being replaced.  Instead of an expression of gratitude when we hand our money over to the aforementioned clerks and servers, we are now being told “have a good one,” or “there you go” when change is involved.  Quite often, and particularly at the drive thru, we’re told nothing at all.

We don’t like it.  We’re not certain who is in charge of expressions of gratitude but “there you go” doesn’t cut it.  We’re prepared to begin a letter writing campaign so if any of you have a clue as to whom we address our concerns please let us know.  And quickly, before “thank you” disappears into the altogether.

While we’re at it, there are some other phrases we’d like to see when we’re attempting to buy goods or services. 

When we finally get to the head of a check-out line at the local do it yourself center we can do without “did you find everything ok?”  Usually the person asking is a teenager working part time after school or on weekends and has no clue as to what we are buying let alone where we would find whatever it is we couldn’t locate.  “Did you find everything?” is a fine phrase but quite useless by the time one gets to the check-out corral.  Maybe the do it yourself powers that be could shift a few employees to the aisles where the confusion begins to ask that question.  But at the cash register we’d like a return to the old standby of “Hello, would you like some help to your car with that?” particularly when “that” is 500 pounds of wood, nails, shingles, and hardware for a backyard shed that we never did find the instructions for.

When we are out for our weekly dinner date we’d rather not have the server greet us with “can I get you something to drink?” before we’ve even decided which chair who will sit in and do we drape our coats over the backs of the chairs in which we do eventually sit or across the seat of a vacant one.  We’d prefer “You guys get settled in and I’ll bring you a couple glasses of water.  Then if you’d like a drink or an appetizer you can let me know.”  We’ve already had issues with the customary check in question “Is everything ok?” (See “You Want Fries with That?” posted in LIFE, Dec, 12, 2011.)  It’s a great question made up of great words.  It’s just that few servers actually mean it.  And the ones that do are serving in restaurants that if everything wasn’t ok the dish would not have ever made it out of the kitchen.

And can we please dispense with the recorded greetings at the drive thru windows!  It’s bad enough every time you call any business that you are greeted with an auto-attendant.  Why do we now have to have (in an overly cheerful voice) “Would you like to try one of our new triple bypass burgers with the works available only for a limited time?!” This is then followed closely by the bored “Whenever you’re ready.”  Instead let’s move on to “Our menu hasn’t changed since 1955, what will you be having?”  It’s either that or the terribly unimaginative “May I take your order, please?”

There are some terrific new words and phrases that we didn’t have when we were first learning to use a dictionary like the Internet, technical support, and twenty-four hour fitness center.  That doesn’t mean that we can never use the oldies but goodies except in trivia games such as encyclopedia, repair manual, or housework.

We’re all for change.   We just don’t want to be told “There you go” when we get it.

Now, that’s what we think.  Really.  How ‘bout you?