No More Fees For You!

Over the years I have had accounts at a variety of banks. For one reason or another, I have also changed banks numerous times. Usually it was because of location or the simple fact that it was bought out by one of the larger financial institutions. In the past it was never much of an issue as I didn’t have many automatic payments and I didn’t write too many checks. However, things change and I am now in the process of shifting things over once again.

While the hours at TD Bank have always been very convenient and the sheer size of the company assures that there is always a location just around the corner, the benefits pretty much stop there. Over the past couple of years I have watched as the various fees have been scattered throughout my monthly statements. I always pay bills on time but ATM and ‘Balance Inquiry’ fees have been a source of annoyance. I sometimes wonder what the account balance would be if those $2 and $3 fees over the past several years where returned. Actually, I really don’t want to know.

In addition to this, the speed at which transactions are processed is about as fast as a constipated turtle. Having already transferred most of our funds to another bank, I can say with certainty that this is not the normal pace at which a bank should be operating. A perfect example is when, some time ago, I transferred my credit card balance to another bank and while I know this other bank sent the electronic payment and posted it to the other account, it still took TD Bank nearly two weeks before confirming the transaction and reflecting that on my statement.

I am done with this particular company. Heck, this bank wasn’t my choice anyway as I originally had an account with Commerce Bank. So now I am taking my funds, as limited as they may be, and moving them to a local bank. While there hours and locations may not be as convenient, the service and speed thus far is something that we haven’t experienced in the past. When we have a question there is always someone there to answer it, transactions are posted within a day, and the fees have magically disappeared replaced by an interest bearing checking account. It is a bank that choses to deal with their customers not solely the accounts associated with them. It is nice to be a person again… a welcomed change… only the latest of a year full of changes.

Don’t Mind The Cannon Fire

I can’t recall the last time that I took an entire week off from work like I did last week. While I did work from home and been out of the office for an extended period of time I was nevertheless still working. It was quite the shock to the system getting up this morning and having to drive to the office rather than the next place to visit. It was equally a drastic change to leave my son for the day after being able to spend a week and a half together.

However, I can’t say that I complete cut out work for the week. While I didn’t receive the deluge of emails that I usually sift through each day, I still had to reply to a number of requests as well as keep current on the plethora of projects always in the rotation in one form or another. And, of course, there were the calls that I had to either listen in on or provide direction on certain weekly campaigns. Thankfully no one seemed to mind the cannon fire in the background. I may have been on vacation but, as it turns out, I was still able to put in a fair amount of hours into each of the accounts.

Thankfully, I was able to schedule much of the needed work activity into small breaks throughout the week or while walking from one place to another. That is really the only way to do it as this was first and foremost, family time and I wasn’t going to ruin it for everyone else because of my corporate addiction. What really struck me about this was a conversation I had with my dad toward the end of last week when I had to stop and answer a few emails before dialing into a weekly call. In response to apologizing for the distraction his said “been there”. As if I needed the proof… I have finally turned into my father.

While it was a bit of a pain jumping back and forth at times, it paid off today as I was up to speed in about an hour rather than falling a week behind. The other benefit is that I am reaping the rewards of taking those calls and reading those emails because I am able to resume keeping work at the office and focus all of my attention when I get home on my wife and son. It may still be far from ideal and the whole thing may not seem like its balanced but it actually is working out well. 

Dedication Of Time

Don't lose your Masonic marbles thinking about all the time you have put into the lodge!

First the first time since I was raised my lodge had to schedule two extra meetings for the month. Last night was the first of these and it was great to see both brothers passed. It was especially nice to sit at my desk again and catch up on a few items after having missed the sated meeting last week. While they will both make fine members of the fraternity they are both completely different thus far in their involvement and, seemingly, their motivation in becoming Masons. One brother is taking every opportunity to learn as much as possible and to be at the lodge while the other needed quite a bit of prompting throughout the evening.

It is interesting to put these meetings and the degree work in perspective as the Worshipful Master did so eloquently last night. With 15 brothers in attendance putting about 2 hours in last night alone, which is 30 man hours that have been committed to these new masons to ensure they received their second degree. That stat alone made a few people pause and think about how much we have all committed to our fellow brothers and the lodge not just last night but throughout the past year.

In general, the December extra meetings are always interesting because you have a mix of outgoing and incoming officers working together for this brief overlapping period of time. Of course, there are also those of us who are staying right were we have been so much of this back and forth is simply observation on our parts. However, with a renewed abundance of brothers that are interested in holding office, it is a great time to see the activity and the interest that is being taken in the lodge and the work being done.

We will only have a few days before our next extra meeting when we will welcome a new brother and raise another. For now, we will be working with the brothers still in the middle of the process and work with them to make sure that they are getting out of this process what we are all putting in. That is really all that we can do and it has worked well this year ensuring that new brothers are welcomed into the lodge and start their masonic journey with that deep connection that we all have with the fraternity and with our fellow brothers.

Bad Tired vs Good Tired

Does Marty experience good tired or bad tired?

There are two kinds of tired in this world – the bad kind and the good kind. We all go back and forth between the two and try to find a balance between the waking hours and the unconscious void. But we have to go into this equation with the acknowledgement that we all have a balance that is unique to each and every one of us. Some only need five hours to be fully functional; a few people need small spurts of sleep; while many require something closer to ten hours a night to perform during the work day.

I have met all kinds of people who require all kinds of sleep and I have lived through different periods where I have had to accommodate various balances. And now I find myself trying to recalibrate the scales so as to get the most out of life without slowly burning myself out as the week progresses. It is a challenge to say the least but one that has brought up another factor in my search for equilibrium.

When I was working the night shift (and at times working two jobs) there were many days that I didn’t get enough sleep which left me sluggish and forgetful during the hours when my eyes were open. However, the days that I was getting enough dreaming hours I still woke up feeling as if I had just closed my eyes. This, I have found, is the definition of bad tired. It is a feeling of never being able to adequately catch up on something we all too often take for granted. It is the feeling of having to push yourself just to function during the day (or night); it is the drain of not looking forward to getting out of bed to put in another eight hours on your time card.

Even now, as I write this blog, I still find myself tired and there are a few things that I just haven’t had the energy to put into as I did before but now it is a good tired. I end my day feeling as if I accomplished something. Some days I feel as if I haven’t gotten enough done but there is still a sense of satisfaction in the effort put forth during the waking hours. While it is still difficult to rise in the morning (I have never been an early morning person), I look forward to the day, getting in the car, and going to work. I feel a renewed sense of purpose and a desire to keep pushing forward.

Now is a very good time and while I am looking forward to finishing up this post and going to bed I am also looking forward to the morning. It’s a very simple thing but it’s something that has been missing for a long time and I have learned to appreciate it unlike I have ever done before. Every day is a gift and I am enjoying the good tired that comes with it.