Tag: Money

Show Me The Money

atmI should have known better. No, really I should have. I was the one who spent the last few dollars I had at the store last week with no concern of replenishing my supply. I have only myself to blame.

Last night, with empty pockets and time to spare I could have easily made the quick trip to tap the MAC machine. But I was too lazy sitting in my nice, comfy sweatpants and t-shirt. “It can wait until morning.” I said to myself.

I really should have seen it coming. The fact is that even though I work with them all day long, machines don’t like me for some reason.

Every so often my procrastination leads me to have to go to the bank early in the morning on my way in to work to get funds. And in order for me to avoid getting dinged with outrageous service fees by using a foreign machine, I am forced to visit one of  my bank’s local branches. But ever since my bank consolidated offices, the “local” isn’t so local anymore, and the trip ends up taking me well out-of-the-way of my normal route.

There are two ATM machines I can go to on my way in to the office; neither of which is very convenient. But in the end, I decided to choose the one that had drive-up service (you know, so I wouldn’t have to leave my nice warm car). As I pull up alongside of the machine, I am warmly greeted by the familiar neon “Welcome” that’s glowing off of the terminal in the early morning light. I eagerly insert my debit card to begin the transaction.

What follows is a dramatization of the conversation between me and the machine:

“Hello James, you handsome devil. Would you like Fast Cash? If so, how much?”

Me:  Why, yes. Yes I would. How about $80?

Machine: “You’ve got it James. Would you also like a receipt?”

Me: No thanks.

Machine: “Ok… I’m sorry, temporarily unable to complete this transaction. Want to try again?”

Ok. no need to panic here. The machine probably just doesn’t have enough funds for $80….

“Hello James, you chisled abbed male model. Would you like Fast Cash? If so, how much?”

Me:  Yep. Uh how’s about $40?

Machine: “Sure. Would you like a receipt?”

Me: Nope.

Machine: “Ok… I’m sorry, temporarily unable to complete this transaction. Want to try again?”

The realization that I may be screwed is starting to set in….

“Hello James you….”

Me:  Look, shut the hell up you piece of sh$t! Just give me $20 NOW!

Machine: “Sure. Sure. Would you like a recei..”

Me: NO!!

Machine: “Ok… I’m sorry, temporarily unable to complete this transaction. Want to try again?”

At this point it is all I can do to not scream. This particular machine has screwed me over many times in the past, but it’s usually when I drive up and see the “Out of Service” sign in my time of need. This is the first time I have ever been duped after first being welcomed.

Moral of the story? I don’t know, I’m too pissed to think of one right now. But while I do, can someone do a brother a solid and lend me a buck for the vending machine?

It doesn’t take debit cards.

What’s In A Number?

Photo Credit: iStockphoto/Dan Talson
Photo Credit: iStockphoto / Dan Talson

What’s in a number? I mean, really. I’d sure like to know. All our lives, we base everything on these imaginary counting things.

Right from the beginning, numbers are engrained into our way of thinking. We know as soon as our brains start remembering things that “5” is the magic number and the age at which we start school. From there, the next number we tend to get excited about is “10” (the year we start the double-digit age; which is kind of ironic because it’s also most likely the same number of digits of age we have when we die).

Next on the list: “13” (a teenager), “18” (the year we can vote, drive a car, graduate high school and become an adult), “21” (the year we can officially drink), “40” (when the cruel, ‘over the hill’ jokes begin). We also celebrate big anniversaries with numbers like a 25th High School Reunion or a 50th Wedding Anniversary.

But all that doesn’t even begin to scratch the surface of how we use numbers. They’re in the code that run our computers (“1” and “0”). in the identification we need to remember in order to unlock our smart phones and get money out of an ATM machine. Numbers are so important, that we actually have to study them in school for years.

Now that I’m “43” (not a bad number if you ask me), you’d probably expect me to have a pretty good understanding of them. But even after all of my experiences of going through most of the aforementioned cases of numbers, (I’m still working on that 50th anniversary thing), I’m still finding myself dumbfounded at how some people seem to care more about certain numbers while ignoring others.

We’re all familiar with “cooking the books”; a process where financial numbers are manipulated in order to produce a favorable (and often times illegal) result. But I’m talking about how numbers are used to favor a certain way of thinking.

Here’s where my confusion lies.

1. The most recent jobs report just came out, and the unemployment rate is at 7.9%.  Payrolls rose “157,000” in January. Not good news.

2. Gasoline prices once averaged “$1.93″a gallon four years ago and are now “$3.42” for that same gallon. Yep, bad bad.

And yet, here’s a number that everyone seems to overlook when they think the world is ending and the Soviets are about to take over: “14,000”.

I’m sure for some people, this may seem like a miniscule number in the grand scheme of things (heck, you can’t even buy a decent new car now-a-days for that price). But, look a little deeper. Yesterday, the Dow Jones Industrial Average closed at 14,000, and is nearing it’s ‘all-time’ high. This average is used to measure (among other things), how stocks and big businesses are performing and doing financially.

At the end of January 2009, the Dow was at “8,000″ and has since increased more than 40%.

Now, I don’t care which side of the aisle you’re on, but if we’re focusing on how bad gas prices and jobs are, then why are we overlooking the fact that the other end of the business spectrum is performing better than ever?

Hmmm, something sure smells like number “2” to me.