Do you know where your money is?
I spent the past week starting training at a financial services company. Most of the 30-plus people going through training will be performing some version of customer service, and comprise a cross section of the area. The training began with an overview of the industry, and one of the interesting parts of the training was watching the questions that were asked of the trainers.
I remember being taught how to figure interest while in high school math. Reflecting on my memories, I remember the senior seminar teacher was much more concerned with teaching us how to write checks and balance and checkbook. Beyond teaching us where to sign our names, write the date, and how to make out a check, the focus on personal finance lessons in my school was an emphatic dictum to read everything in a mortgage agreement carefully. That may not have been much of a waste – high school students may not be ready to really learn personal finance.
It’s scary to realize how many people struggled to figure out how to compute interest. I was surprised that there were both younger people and older people who didn’t seem to understand the concept. It made me wonder what people actually know about personal finance. I turned to the Internet and spent a few minutes searching Google and Bing to see what turned up. I was looking for a study that showed how much people know about personal finance. Maybe I was using the wrong keywords, but the closest that I came were the studies that show that people aren’t saving enough money for retirement. (I wanted personal finance studies – you won’t have enough money to spend at an age that you may never reach stories. I believe it’s important to save for retirement, I just think it’s difficult to understand what standard of living I’ll expect, what my living situation will be, and what will happen with tax rates, inflation rates, etc.
More interesting was the people who offered their personal finances to the world on their blogs. It’s an interesting idea, but one I don’t expect to do. Perhaps I’ll keep reading their blogs for an idea of what people in the world know about the money they spend and save.
Image is Creative Commons licensed content from Flick’s borman818.
I’ve finished my graduate degree, and I’ve started a new challenge. I’m sure I’ll continue to learn more about my new position in the coming weeks and months – 6 weeks of training start next week. I’ve been able to help out so far by watching some editing and asking a few questions about style, grammar, and jargon. It’s a great way to learn.
In the meantime, Franchise and I have welcomed a new member to the family – an HP laptop. My files have been migrated and I’m doggedly pursuing one of my New Year’s resolutions – being more organized – by getting rid of duplicates and unnecessary files. Once that’s wrapped up, you’ll see me on here a lot more.
Jessica always has ravioli for the holidays
The daily calendar that sits on my desk is getting thin. Another year is wrapping up. Jess suggested including our blog addresses in the Christmas letter and writing our own notes online. You must have liked the idea.
As I first starting writing this post, Jessica and I just finished making ravioli for Christmas Eve. You can see some of our results pre-clean-up. The homemade goods are a family tradition that we’ve kept up – along with my family’s meatballs when we put up the tree.
This past year has been one filled with hard work. I dove into the remaining coursework I had to do to complete my graduate degree – finishing almost 60 percent of my classes this year. I’m looking forward to reading for pleasure again – and tackling projects that aren’t due at the end of the semester.
We cut back on trips – visiting Washington, D.C. twice, Columbus once, and Atlantic City once. We also returned to St. Marys for Thanksgiving. Yes, that’s a light year of trips – only five states, counting the one where I live. This might be the fewest number of states I visited in a year since high school.
I completed my second term as president of the local chapter of the Sons of the American Revolution. My final meeting brought out the largest turnout of chapter members in the last decade. We elected a new slate of officers, and they’ll do a great job taking over the chapter. I’m glad that I was able to stablize the chapter’s finances, recruit a new team of officers (and provide them with all the relevant information about the duties of their office), and overhaul and update the chapter roster. I’ve also continued and expanded my work with the Lackawanna Historical Society. I produce the Society’s quarterly newsletter, and I helped organize a database of previous newsletters as well as preparing program brochures for several events this past year.
Want to see more of what we did this year? Check out Jessica’s holiday post.
Quick update from a previous post. Dan e-mailed me to point out something that’s changed from a previous entry where I wrote that Kings would be coming off Hulu in September 2009.
Hulu has changed its plans. Kings will remain online until Sept. 19, 2010. That gives me some more time to get around to watching some of the episodes.
Thanks for the tip, Dan.
