Posted tagged ‘Work’

Staying Alive Is Important

February 11, 2010

Right now I am stuck in that “post-graduation” but “pre-real job” limbo.  You know, the one where you’re no longer qualified to be on your parents’ health insurance, but you don’t have a job yet to provide you of your own.  That period of your life where, if you were to get some kind of life-threatening disease or in some terrifying accident, you’d basically be out of luck.  Where you’ve got so many student loans and credit card bills that hospital bills will pretty much destroy your life and make your current debt situation more hopeless than it appears to be right now.

I was on my parents insurance.  They had asked for proof that I was a student prior to my graduation date, so I just assumed I was a-okay. WRONG. I got the notice that I was booted off of the policy today. After I went to the doctor.  And after I dropped off my prescriptions at Walgreens to be filled.  And now said prescriptions are just sitting in Walgreens because they cost over $300 to break out of there.  $300 I’m not really in the mood to pay. $300 my non-existant insurance will not be… insurance-ing.

And so this evening and a little throughout the afternoon, I have been looking through websites trying to figure out what kind of stellar health coverage I can afford. Some health plans start around $80 a month.  Those deductibles are around $10000.  The ones that are around $100 to $120 a month have deductibles around $2000 – $3000.  They don’t really offer much as far as benefits, though.  It’s more, “Go to the doctor when you need to, but have fun paying all $3000 before we even think about kicking in to help you. Sucker”. 

I did just find a few with Medica that do offer what appear to be reasonable, and obviously the more I pay the more I get. I was actually looking to find their “accupuncture and massage” plan, but I can’t find it. I wonder how much that would run me, because I would be there every day.

Although I do have a job, health coverage is not offered, so I’m on my own until another job comes along.  And while I considered just going insurance-less, I’m not sure I’m comfortable with that. I appreciate going to the dermatoligist for skin problems and having the freedom to visit the dentist once in awhile for nice, clean teeth.  I don’t really want to let those things go.

Health insurance… a luxury that not everybody has.

Haggling – An Art for the Ages

January 29, 2010

I’ll say it: I can’t haggle.

“Gee, Heather. Why not?”

Well, how nice of you to ask!  The problem is that I tend to be too much of a pushover when it comes to things that I’m not sure I deserve.

To me, haggling takes a lot of confidence.  I can’t waltz into a department store and say, “Hey, I see this sweater is $50, but I think it’s only worth $35.  Give it to me for $35” without flinching.  Of course the salesperson is going to say “no”, but it’s a haggler’s job to tell them why they should.  I can’t tell them why they should if I don’t have a reason for it myself and so if there is any type of resistance I am down for the count. 

Don’t get me wrong, when I believe I am being unfairly treated, I am the first to say “HELL to the NO”, but I can’t make myself believe that I am deserving a better price than retailers are asking for (unless, of course, the item is on sale — then I’m on it like I was on the jar full of gummy bears sitting next to me earlier this evening… which incidentally I ate about 75 gummy bears just before dinner tonight and now I have a MONSTER headache).  How do you people do it?  How do you say “HEY! Give me a deal! Now! …. PLEASE!”

I was reading an article titled In Tough Economic Times, Shoppers Take Haggling to New Heights in the Washington Post.  In it, the journalist learns about haggling and tries it out in various places to see what kind of a deal he can get.  By the end of the article, you find out he saved $730 dollars in a week.  What the hell?  I want to save $730 in a week…

He haggles in Macy’s.  He haggles at Best Buy.  He haggles for flowers.  He haggles with Verizon.  And did you know people haggle professionally?!  Whatever deal they get with you, they will split with you!  Well… holy effing crap. 

Apparently the key is to look for an edge.  Why should you get those DVDs for $5 less?  Because your ShopSavvy app says the store down the street is selling it $5 cheaper.  What?  You think those reindeer should be 75% off instead of 50%?  Yes, because they have little scratches on them that nobody will ever see but me.  Coffee is not free, so why are you asking for a free coffee right now?  Because I have been coming here once a week every week for the last 7 months.  That’s why.

It’s interesting to read about somebody that is learning how to haggle because his thoughts are a lot like mine if I were in that situation.  More or less, all I would think after successfully getting a bargain would be, “I can’t believe that worked”. 

Click the link above for a link to the article, or click the link below.  Either way, it’s a pretty good read if you’re looking to save some dolla dolla bills, ya’ll.

The price tag on the smooth pair of Cole Haan loafers at Macy’s said $148. I considered that a fair opening bid. Standing across from the salesman and the cash register, I said, “Can you knock off 25 percent?

The salesman said, “Can’t do it.” But I pressed on: “I’ll get them on the Internet or at one of your competitors, so let’s just do this here.”

Salesman: “Geez. You’re like the second person who has tried to do this today.”

We stared at the shoe box. I liked what was inside. The loafers fit well, but they would feel even more comfortable with a discount.

Macy’s blinked first. “Ten percent off,” the salesman said. “That’s the best I can do.” I sensed an advantage and counteroffered: “Let’s do 20 percent.” I then sensed annoyance and settled for the 10 percent.

My first attempt as a haggler saved me almost 15 bucks and placed me at the center of “the biggest sea change of consumer behavior since the end of the Second World War,” as Nancy Koehn, a Harvard Business School retail historian, calls it. In a country that has long shunned haggling outside of car dealerships and mattress stores, my behavior may have once appeared unseemly, even crass. That is, until the Great Recession. Firms are desperate for revenue, Americans are feeling broke, and the aisles from Best Buy to Macy’s and even your neighborhood Giant — as well as the 1-800 numbers at Comcast and Verizon — have become venues for let’s-make-a-deal.

A recent Consumer Reports study found that 66 percent of American consumers had haggled at least once in the preceding six months, with an 88 percent ka-ching rate on gadgets, clothes, furniture and steak. “People like this,” Koehn said. “They are not going to go back to giving their money away. Why would they?”

The recession merely popped the lid off a retailing shift that has been brewing for a decade. EBay gave millions of consumers dealmaking training wheels (top bid for a “Goonies” DVD: $3.50). The Internet offers instant pricing data (do a Google search on “Lucky jeans and deal and DC”). And don’t forget Priceline, which lets consumers name their price for flights, hotels and rental cars (thank you, William Shatner).

For consumers like me who have spent decades shopping at full retail, getting a deal on previously no-deal items is liberating and invigorating, as I found out during a recent week I spent haggling. At first, my wife and friends asked me if I was crazy, but when I reported saving $3 on steak at Giant and $50 a month on our Verizon bill, they asked only one thing: How?

Full Article –>

Read the full article on the Washington Post website.  In Tough Times, Shoppers Take Hagglers to New Heights written by Michael S. Rosenwald, Sunday, January 31, 2010

Marshmallow Art

January 28, 2010

Do you ever have one of those days where you just don’t want to get up?  One of those days when rolling out of bed seems like too much effort… but then you realize that if you want to “e-mail in sick”, you have to get out of bed to e-mail your boss to let him/her know you’re not coming… and by the time you use up enough brain power to turn on the computer, navigate to your e-mail, figure out what you’re going to say, and try to remember all relevant e-mail addresses, you’ll be too awake to fall asleep anyway… and so all you have left to say to yourself is, “Oh, hell… I might as well go”?

Believe it or not, today is one of those days for me.  I feel slow despite the coffee that I had this morning on my way to work.  I feel frumpy.  I feel like I wish I were still in bed.  And if inanimate objects had feelings, I would probably most compare myself with a marshmallow.  I took the time to draw these so you could further understand my feelings toward the day that is January 28th, 2010.

 

And while the game was fun last night, it left me in a sour mood today.  Perhaps it was the Red Wing loss.  It might have been the fact that I didn’t get an autograph.  Maybe it was the beer.  Or maybe it was some other variable that I am not taking into account here. 

Tonight I’m going to investigate a Primerica “business opportunity” despite the nagging feeling in the back of my brain (and all over the internet) that it is some kind of scam.  But even though I was considering blowing it off, I’m kind of happy to go now because it will give me some time away from work and away from Dan and away from Prandtl and away from Lucy and away from my apartment and away from everything and everyone I know.  I don’t really feel like dealing with any of it right now.  I wouldn’t really mind just hanging out in a cave for a couple of days.

I was reading today about the difference between introverts and extroverts.  Extroverts need people and thrive from social interaction and the energy of others.  Introverts are stereotypically shy, withdrawn people, but the article I was reading (which I lost, otherwise I would link it) said that’s not necessarily true.  Introverts can interact with people and can be quite good at it, but they need time alone to recharge.  Dealing with people too often makes them very tired and drains them, which I believe is very true in my case.  I love working with people and being around people, but I can’t deal with them all of the time.  I need to be alone.

Even if it’s only a half an hour in my car on my way to some stupid “business opportunity”.  Sigh.

I Don’t Know Where I’m Headed, But I’ll Know It When I Get There

January 22, 2010

Today, my desk-neighbor Erick had a question for me.  “So what are your big plans?” he asked.  “Are you staying here?  Are you looking elsewhere?  Where is Ms. Heather headed?”

I gave a little smile because I had been anticipating this question.  It has been on my mind a lot lately, and I am sure that many of my posts reflect that.  “Well..” I replied.  “I want to do something to help humanity, so I am looking for work that will help me down that path.” 

Erick’s response was something along the lines of, “You will grow out of that.  I used to want to do that, too.”

Personally, I have a lot of trouble understanding why I need to grow out of anything.  Since when is grow out synonymous with grow up?

(more…)

whatever. i could totally take franny in a fight.

January 11, 2010

I FIGURED IT OUT!

I believe I have pinpointed the source of my frustation over these past few months.  I have had a lot of trouble accepting my life as it currently stands, and I wasn’t sure if it was because I didn’t like the direction my life was going, the career choice I have made, or relationships with people around me.  But last night, during one of those “Hey babe, are you still awake?” conversations, the reason was unearthed. 

I need some competition in my life.  And I probably need to win.

(more…)

this must be the funniest email conversation ever

December 6, 2009

Simon wants some design work done.  David won’t be doing any anytime soon.  This is honestly one of the funniest things I have read in a long time.

http://thenextweb.com/shareables/2009/12/04/funniest-email-conversation/