Pretending to be Responsible

Ok, I pretend to be responsible all the time. I sometimes feel that, although I am supposed to be an adult, I, like many others who are supposed to be adults, am just winging it. I guess I manage to pay my bills and buy life insurance and take the kids to the birthday party, but I don’t really know what I’m doing. I get the responsible thing done, in the end, but don’t tell anyone that the seat of my pants is really what flies the plane around here.

When it comes to businesses who advertise and sell things and affect lots of people, I feel like a different attitude should hold sway, however. I mean, you can’t just say or even infer that your product or your company is one thing when really you are pretending. Exaggeration shouldn’t be allowed when lots of dollars or lots of people are involved. I saw an example of such hyperbole today, on a paper towel dispenser in a restroom at a conference I attended.

IMG_2108It is this last line with which I have an issue. “Closed loop” to me means a cycle. In this case I am led to believe that paper gets used, recycled, turned into paper, recycled, and so on. The “loop” gets “closed.” A loop keeps going. It doesn’t stop. Otherwise it is not a loop. In this case, however, there are three things, but they are not in a loop.

To sum up the “Power of Three” here: the paper company collects paper, uses it to create further paper, then sells it, possibly to some of the same people who provided the paper they collected. This is a good thing. It means that at least some paper gets made from recycled paper, rather than from trees. But this isn’t a loop.

The original paper comes from trees. The recycled paper gets turned into lower grade paper–it is downcycled. Eventually it cannot be turned into paper any more, as it is too degraded. There may be some back and forth here but it is definitely not a closed loop.

What wrapped up the whole thing into a tidy little ironic package was the waste basket below the paper dispenser. The paper in that dispenser may have come from paper, but the paper being dispensed ended up in a plastic bag in a landfill.  The top of that plastic trash bin makes a closed loop, but I am guessing that is not the one to which the paper company was referring.

Before I left that little room I realized I had a closed loop of my own. I had picked up my water bottle, I had processed the water, and then I provided a product to be taken away. That product would get recycled and perhaps one day return to me when I filled my water bottle again. Sounds like I might know what I am doing after all but let’s be honest, I’m still just winging it.

IMG_2107

 

Scrapping Paper

Here is what I can’t figure out: why does my bank allow me to make electronic payments for free? I have all my account information with them and I can just log on, enter amount for the account I want to pay, and BOOM, done.  I don’t have to write checks and payments both get there and get processed sooner.  It saves me time, saves me money, and is way easier and faster.  I just made two payments this afternoon. It took me all of two minutes.

OK, I do get why they make it free. It saves them time and money as well. I worked at an organization that processed payments and we encouraged people to take advantage of electronic billing and payments.  Handling a paper bill and a paper check once it arrived too way more time and effort than having it enter the system on its own. Still, I keep waiting for the catch. Heck, we used to pay the day care center electronically through the bank. Since the center did not accept electronic payments, the bank mailed a check. I guess that worked better for the bank. It certainly worked better for me.

I do get a few statements in the mail still. The bill for one credit card we hardly use comes in the mail, for example. And I still make charitable contributions mostly by paper check. I buy many fewer checks these days. I am always surprised when I run out. I order those online.

In fact, I get most things by ordering online–clothes, Christmas gifts, bandages, seeds, flavored syrups, books, music, whatever. A while back I subscribed to a service called YourMusic, which sent CD’s once each month for 7 bucks each. Add CD’s to your queue and they get sent automatically. It is a good deal, except I had to get those CD’s in the mail. Now I just use iTunes. I rarely read a paper newspaper, either. I read it online.

I have been reading The Guernsey Literary and Potato Peal Pie Society. It consists of a collection of letters. I am fully engaged in the story. I want to be reading it right now, in fact. I have not yet given up paper books altogether (although I have enjoyed a few on my iPod Touch). I have realized by reading this book, however, that I never write letters anymore. I used to write scads of them. It used to be the thing to do when I was in my teens and twenties. Now text messaging has become the norm. Letters, however, have a tangible and emotional substance to them. They can be held. They last. I have stopped writing them, as have most people in the 21st century. This has its convenience and certainly saves resources. We do miss something by giving them up, however.

I don’t feel that way about bills. Send me an email notice and let me look it up through the magic of the internet. I get far more unsolicited crap in the mail these days than anything of use or worth. Thanks for your good work, I want to tell all these organizations looking for donations. I would love to help but I give to others and you don’t make the cut, so stop sending me mail. I tell them that often–I either send an email or just stuff the contents back in the return envelope with a note. Still, I’d rather they did not send me something I did not ask to receive. They would save a lot of money by not mailing me all that junk. They should talk to my bank.

I have plenty of paper files hanging in file folders, but I am trying to cut down. Do I really need those bank statements from the past seven years? I doubt it. Tax returns I’ll save, although it is unlikely I will need those either. One of my summer projects is to clean out the closet. I will pull out the recycling bin and drop it next to the closet and transfer contents from one to the other. And when I  am done I will leave the dust on my journal and get online right here to tell about that exciting adventure. As if that is a good idea.

Paperless

I have made the switch, for the most part. When I pay bills, I don’t write many checks. I still pay my mortgage with a paper check, but that is the last one I’ve got. Electric bill, insurance, phone bill, they all get sent electronically. I was paying some bills tonight and I couldn’t figure out why I got a paper insurance bill, in the mail, when I also got an email. This has been happening for a while and I have checked my account a few times to make sure I signed up the right way. I did. Tonight I figured it out.

Our insurance bill is primarily in my spouse’s name, although we both are, of course, responsible for paying it. So she needs to change her account to request electronic statements. All I had to do was look at the bill. Duh. We’ll get that switched up right quick.

It is pretty liberating to simply not get so much mail. So much of it just gets tossed. I save statements out of some sense of obligation. But who goes back and looks at old insurance bills or bank statements? Maybe if I owned a business or something I would, but even so, my first instinct would be to look at my online account. I do look at my electric bills on line, to compare them and see how we are doing with our current usage. I don’t save those bills. I am not planning to save much anymore. Paper paper paper. It clutters the closets. I don’t need it.

I also try to cut down on catalogs. When we get one I know we don’t want I send them an email telling them not to “sell or rent” my name and to remove me from the mailing list. I don’t want mail from them and I also don’t want mail from the people to whom they want to sell my contact information. Enough already. I pretty much hate to get catalogs that get dumped right into the recycling bin. Junk, that’s what it is. If I want your catalog I will ask for it thank you very much.

So less paper is what I am after. I am hoping that cutting down on all the mail will mean fewer visits to the transfer station. That would be a plus. I could spend less time there, and less money. Paperless is for me.

Packaging

I recently ordered some syrup. I’m talking flavored syrups to jazz up my espresso drinks. I like to add some flavors here and there, mix it up a little, go for something different. I know some folks are purists and just don’t like to add flavors. I can go with straight up but I also like to add some zing. I was out–I had been for a while–so I ordered some more from Amazon.

When you order from Amazon, as you may know if you have ordered from Amazon, you often have the choice of getting things from outside vendors. I had lots of options, and I went with the two syrups I wanted from two different sellers. I received them on the same day.

I received a bottle of Monin hazelnut syrup from CoffeeAM. It was just what I ordered and was shipped intact. It was packaged well, in fact. I can’t imagine it would have broken. The packaging was pretty cool, actually. It was a self-inflating tube of plastic. The problem is that it was all plastic. Plus it was packed in polystyrene peanuts–more plastic.  Here is what it looked like:

Glass in Plastic in Cardboard

Glass in Plastic in Cardboard

I received a bottle of Monin coconut syrup from Boba Tea Direct. It also was packed well enough that it would have taken a lot to have broken. Again, I was impressed by the packaging–even more so than the other shipment. This was all paper packaging. There was no plastic except the tape on the box. It looked like this:

Glass in Paper

Glass in Paper

The prices on the two bottles were about the same. I only ordered from two sellers because they were not both available from CoffeeAM and the hazelnut syrup at Boba Tea Direct was a lot more pricey (not sure what that was about). But because of the paper packaging, rather than plastic, I will order from Boba Tea Direct in the future. The bubble tube was cool, but I can’t toss that in the compost bin, or even recycle it. The world could use a little less plastic. It isn’t huge, but at least I can take one small action.  You?

Earth Day? For Real?

I got a flyer in the mail from Price Chopper yesterday.  Normally I just toss these.  They may have better prices on some things now and again, but it isn’t worth traveling extra distance to get there.  I save more in transportation costs by going somewhere closer.  But this flyer caught my eye.  At the top, on an extended page that stuck out of the middle, was a banner reading “Together, We Can do Our Part to Make Every Day Earth Day!”  Oh really?

First, Price Chopper, you are sending me a flyer that I do not want or need.  It requires paper, ink, transportation, labor, and I will not even look at it.  How does that make Earth Day every day?  Second, what exactly do you mean?  The small print says to “see pages 4 & 5.”  The first thing I see on those pages is an inset spread with “certified organic” produce.  That is a good start (although it is only USDA organic) but all three things listed are in plastic tubs.  Spring greens (two types) and strawberries, shipped across the country in plastic bins?  Earth Day?

The flyer lists three things I can do (“You Can Help!”).  The first suggestion is to recycle my plastic bags at the store.  How about not taking them at all?  The second tells me to use compact fluorescent light bulbs.  Done.  The third:  “Shop locally to save gas and the environment.”  That is why I do not need the flyer and do not shop there.  Thanks.

Then they list three things they can do (We Can Help!).  First they tell me they recycle 1,700 tons of plastic each year.  That is good, but reducing plastic in the first place would make a bigger difference.  Second: “Price Chopper installed low energy LED Lighting in new and recycled stores.  Other than not having much clue what a “recycled” store is (turning an old building into one of their stores?) this is great.  I believe that one day we will leave compact fluorescent bulbs behind and use only LED lights.  They use way less energy.  Finally, they note that “Price Chopper uses local farmers each year for produce.”  On that one I am curious just how much local produce they use.  A few pumpkins in the fall hardly will make a difference, but as much as possible would make a difference.

The flyer seems like one more feel-good marketing gimmick.  Inside the flyer are:

  • Cut flowers, probably shipped thousands of miles and grown with bundles of pesticides
  • A variety of ham products from pigs raised, I am sure, on nasty factory farms
  • Lemons sold in plastic mesh bags
  • Plastic tubs of margarine
  • Cans of whipped cream
  • Bottled water
  • Plastic “candles”
  • Aluminum foil baking pans
  • Paper napkins wrapped in plastic

Earth Day every day?  I will buy some of these things at some point in the future, I am sure, even though I try to avoid them.  But let’s cut down on the Earth Day crap.  If every day were Earth Day we would not be buying any of the items listed above, and Price Chopper would not be selling them.  Maybe someday we will get there, but it ain’t happening this year. Price Chopper is making some good progress. Cutting down on flyers that don’t get read would be another step in the right direction.

Hypocrite

The last day of the conference I attended in New Hampshire was yesterday.  My roommate–let’s call him Bob–and I had a morning run together, a short and slow four miles, then we each packed up to leave later in the day.  By the time I got down to where things were happening, I had missed the “coffee and snacks” listed on the agenda.  I was hoping to grab something (anything after a run, even a short run, to refuel) and then head one level down to the meeting I was going to attend.  The only thing still out was the coffee and tea.

So far I had been using the dinky little cups with saucers to drink coffee.  They would always put out foam cups and lids along with these ceramic cups but I boycotted them, even though almost everyone else used the disposable vessels.  I just couldn’t do it.  The one-use cups are too much to bear at times–use it and toss it.  Stupid.  But yesterday morning I wanted more than the meager amount that would fill the mini washable jobber.  I would not be able to refill for the hour plus meeting.  So I hesitated, bit my pride, and filled a wasteful foam cup.

Back up to morning one of three.  Bob and I had a conversation about one-use beverage containers, including bottled water and coffee mugs.  That first breakfast he took the initiative to bring a pitcher of water to the table, rather than use the plentiful bottled water available.  This was a gesture aimed largely at me, and served to send an unspoken message to others at the table as well.  I was happy to see it.  No bottle water, no paper cups.  We were on the same page.

Jump back to morning three, as I grudgingly fill the tossable cup, all too aware that my stainless steel travel mug is sitting on top of my packed bag, ready for the trip home, but too far to retrieve in my haste to get to the meeting for which I was already late.  Hot coffee pours from the spout into that evil container and this comment floats down into the steaming brown liquid:  “Paper cup, huh?”

It was Bob, of course.  He then fills his own re-usable travel mug with coffee.  He did not need to say more.  I was busted.  I was, and am, a hypocrite.  I make decisions like everyone else, and sometimes I make poor ones.  That was a poor one.  Perhaps my brain was addled from too little food.  Perhaps a sense of laziness, or even urgency, came over me at that moment.  Perhaps I needed to decide too quickly.  In any case, my principles lost out.

In far too short a time, I tossed that cup.  The lid cracked within a half hour.  I ended up using my travel mug after all, sipping through the next event and again on my way home, as I mulled how I can make a difference in the world.  It was a good lesson for me.  Laziness is not an option if I want to live by what I believe.  It is easy to be lazy.  Our culture is one of ease, or leisure.  We are not ones to give up a cup of coffee because we forgot to bring a mug.  Bringing a mug, or a cloth grocery bag, or a water bottle, are easy to forget;  and if we do forget, it is easy to find a disposable alternative.

We are a throwaway society.  I am not proud of that, but I am a part of that.  If I want, I can work to change that of which I am a part.  That is not easy, and it may mean I sometimes give up that cup of coffee, but it is the right thing to do.  I will be a hypocrite again.  I will forget my travel mug or my bags or my water bottle.  But getting busted has its benefits.  It highlights my hypocrisy, and it helps me to keep trying.  From now on, most of the time at least, I will turn down the foam cup.  If it means I can avoid using a cup once and then tossing it, I can get by waiting a little while for my jolt of joe.

Some Positive Economic News, At Least for Me

I used to listen to National Public Radio a whole lot more.  When we moved to this house we did not put a radio in the kitchen, and that is a place I like to listen.  When I am whipping up some tasty meal, I can hear what they have to say.  This morning I was whipping up four-berry muffins and I wanted to listen.  But no radio.

Actually, that is not true.  We have a radio in the kitchen.  It is a wind-up generator radio.  Wind the crank and it charges the battery.  It works great, but the battery does not last long.  I need to keep winding it.  And winding it.  I want to use this radio.  I like the idea of listening to an electronic device without using electricity from the grid.  But, I admit, I rarely do.  I don’t want to keep winding.

There is another option, however.  This radio has the option to charge the battery with electricity from the grid.  Plug it in and charge and off we go.  I could keep it plugged in and listen as long as we have power.  This morning I decided that I was ready to choose that option.  The problem, however, was that I haven’t ever used the power cord.  And I had no idea where it might be found.

This took me to the basement.  Our basement is still full of boxes and baskets and bins from when we moved to this house two and a half years ago.  We slowly empty them and slowly bring new ones down.  The result is clutter stasis.  So when I go to look for a power cord, and I know I just saw the box full of them down in the basement recently, I get stymied.  I can’t find doodly-squat down there unless I get lucky.

I searched and searched to no avail.  I did bring up a mason jar to use for the bulk popcorn I just purchased at Healthy Living, so the voyage to the underworld was at least worthwhile for that, but I never did plug in the radio.  And, to bring this around to the point, I saw an envelope on the floor.  The envelope contained two $50 savings bonds.  Why it was on the floor was a mystery, but I figured that was not the ideal storage location for paper that had any value, due to the occurrence of mildew on such floors.  And so, in my wisdom and readiness to take action, I picked it up.

Now I was fully distracted from finding the power cord.  I had a jar to wash and some savings bonds to check out.  With the savings bonds in the envelope was a letter from the Hartford Courant.  It noted how my service as a newspaper carrier was superb, blah blah blah, and here was a token of appreciation.  I only received one savings bond with that letter, as I recall.  The other came later.  I decided I should find out how much they might be worth these days.

I turned, as is the norm in our house, to the internet for answers.  Ten years ago I might have just wondered about it and found a better spot for the envelope, but now I’ve got Google.  Google led me to the government web site with information on savings bonds, including a calculator to tell me the value of my investments.  As I have mentioned, two of my traits are wisdom and readiness to act, so I used the calculator.  I found out the bonds’ values and also learned a few things.

One of the bonds, issued in 1981 (have I actually held onto the thing for that long?) is worth $131.  The other, issued in 1986 (same question) is worth about $85.  That seemed a big difference for issue dates only five years apart, so I read more.  It turns out savngs bonds earn interest based on when they were issued, and the interest rates can vary quite a bit.  I couldn’t find interest rates for the earlier one but I did learn that the one issued later has a minimum rate of return of 7.5%.

That made me look twice.  Did it really say 7.5%?  Who gets a guaranteed rate of return of 7.5% these days?  You’d be lucky if you could earn 4% on a CD these days.  The rate chart only went back to 1982 but the rate on the bond from 1981 must be higher.  Get this–the highest rate I saw on the chart was from 1982 at 13.05%.  And this is supposed to be a safe investment.  Safe indeed.

So the good economic news is that I have $216 worth of savings bonds, and I have two years before the first one stops earning interest.  Considering these were purchased for half face value, that is a fine rate of return, especially since I didn’t purchase them myself.  Now, we’re not talking a huge amount here, but by 2016 I can cash them both and do something with those earnings.  Of course I will probably just reinvest them.

So it is good to know that I’ve got something, a little buffer, sitting in that envelope.  I keep reading bad economic news.  Here, at least, is some good news, if only for me.  Now I need to go get that fireproof safe I have been considering for years.  Then I can really stop worrying.  At least about a few things.  Then maybe I get on top of all the crap in the basement and, finally, I’ll be able to listen to radio while I make muffins.

Holiday Cards

I spent a good chunk of time today creating a holiday card.  We used to buy a box of cards and write something interesting inside and then send them to family and friends.  We never went with the photo cards where we had to drop off the negative and then pick up the cards a few days later.   It just never seemed worth the effort.

Now, however, one can simply upload digital photographs to a handy web site, choose from a variety of card layouts with multiple photos, pay by credit card, and wait for them to come in the mail.  That is what I spent my time on today.  What took the biggest bit of time was selecting the photos.  We have lots of photos but few fit the criteria.

The photos had to:

  • Have good composition, meaning they had to be good photographs in general
  • Contain a mix of seasons (not all from the summer, not all from the winter)
  • Show each of us at least once, with a preference for the children
  • Not show any of us in every photo

I think I did well.  I went with four photos, rather than nine to keep a balanced square.  That would have taken even longer.  I clicked the “purchase” button and they should be here soon.  Then we need to write personal notes and addresses and send them off.

I look forward to getting cards as well as sending them.  My parents used to hang them along a doorway, then along the wall when that was filled.  It was a part of the holidays I enjoyed and remember.  We always hear from someone we have not seen or heard from on a while.  It seems the one time of year when being in touch happens for many people.

We might have gone with e-cards, to save paper and greenhouse gases, and money for that matter.  But they just don’t feel the same.  You can’t hang an e-card on the wall or read it as you walk back from the mailbox in the snow.  The children can’t line up e-cards on the floor and sort them.  It is a conscious choice to send paper cards.  It is worth it.  Holiday cards are a part of the season and I look forward to them.  Even thinking about hearing from friends and family makes me smile.  With the cold and snow lately, I say bring on the holidays.