Serendipity: Freshly Pressed

Posted by random olio

I am in awe and so grateful. I could never have imagined the serendipity of being Freshly Pressed. For those of you that might not know what that means, my blog post last Friday made it on the homepage of WordPress.com.

Freshly Pressed snapshot

It means a lot to me. I have had over 6,000 hits to my blog in the last 3 days. I am very grateful for all the individuals that liked and commented on my post. I have not had the opportunity to respond to many of the comments, but will be doing so in the coming days. Thank you to everyone who has been following my blog these past few months and the many, many more that are now following it.

Last December I was laid off. I had worked for the same company for over 11 years. It was a bit of a shock at first. After a few weeks of exploring my options I realized that after 11 years in corporate communications, I needed to spend more time on my own personal voice and brand. I have been writing for as long as I can remember. In elementary school, I was often selected for my class to participate in what was called the “Young Author’s Conference.” We had to write and illustrate our own story and make it into a book. I have not been successful in finding out if this program still exists in Indiana, but for me it was a prized event. After being selected for my grade in my school, I joined other kids at the conference where we listened to a known author (that I can remember) and then broke out into our age group and read our stories in front of our peers from other schools. It was a bit scary for me to read my story, but I definitely remember being proud to be selected.

In high school and college I did not write creatively other than whatever essays I had to do for school. Looking back I wish I would have had someone to encourage me to continue to write, as I often think it would have been good for me to take creative writing classes in college, and pursue more of those types of endeavors. I have been writing creatively off and on for the past 11 years, and increasingly so in the last 1-2 years. All in my journal, never shared with others.

Which leads me to today. My purpose for starting Random Olio was that I felt I needed a more personal portfolio of my writing abilities in addition to the experience I have had in the corporate sector. What I did not know is that I would fall in love with blogging each day. While I have always been considerably conscious of my surroundings, and have always watched the interactions of those around me, my eyes and ears are even more keenly aware. These days I will be running and an idea to write about will pop into my thought. Or I will be in the shower or walking to a meeting. There are so many opportunities for the creation and sharing of ideas as long as one is open to exploring them!

I had no idea when I started this blog over 4 months ago that I would want to keep it up after finding work. I do. I am here and I am not going anywhere.

Thank you again to everyone for sending such heartfelt support and love these past few days. It means a lot.

Warning: Mortgage Auditing Program

Posted by random olio

So this week we received a letter in the mail stating that we “may be owed a refund of several thousand dollars from your mortgage lender.” It then gives the date we signed our home loan and the amount of our original loan. The letter goes on to say:

“Government studies by the FDIC as well as financial audits of lenders have shown that thousands of mortgages contained mistakes or overcharges. Your monthly mortgage payment may have been miscalculated and you may be due a refund from either your current or previous mortgage lender. The average refund is $1,497.32 and one third of the refunds equal $3,000 to $7,500. You are eligible for a mortgage analysis and refund review.”

At first I thought wow, I would not mind a refund! Then I think…this is not from my mortgage company, and all it says for the return address is: Mortgage Auditing Program//Division of Consumer Services – of WHAT company? So I Google: “Mortgage Auditing Program” and all I find are tons of hits about how this is a scam. That you have to pay $249 to sign up, etc. Yuck, I hate stuff like this, because it always makes me think of my grandma and how if she had received something like this, she might have believed it. She was very trusting of companies she worked with, and this is just vague enough and enticing enough to mess with your mind. Who does not want to learn that they could receive a refund from their mortgage company?

If you stop to think about it, the only time you usually see any type of refund from a large company for a mistake is through a class action lawsuit. So if your mortgage was miscalculated, then most likely others were too, or it was part of a larger situation where large numbers were effected and charged a fee they were not truly required to pay. If that happened, you would hear about it in the news or directly from your mortgage company.

Further research shows that the Better Business Bureau gave this company an F rating and they had 41 complaints in the last 12 months. With the following comment: “For $249 the company performs a review of the payments you have made to your mortgage lender.”

I just wanted to share this in case anyone else receives a similar letter. It is frustrating because I do not want individuals to get duped and excited about the possibility for a refund from $3,000 to $7,500!

Tomorrow is TAX day…

Posted by random olio

Did you have a good weekend? I did. It was not long enough though, I still have a long list of items on my To-Do list. Next weekend I guess. Chris and I went to the Wooden Shoe Tulip Festival with friends and their precious little ones. It is the perfect place to take kids. The adults can enjoy the flowers (and I think the vast tulip field intrigues the kids too) but they do a wonderful job of having activities and rides for children too. We had wanted to go for a while and Saturday turned out to be the perfect day, the sun was out and it was slightly warmer!

Wooden Shoe Tulip Farm

So tomorrow is tax day. Have you submitted your taxes? I had to remember (and Google) why we have Tax Day on April 17 this year. Since the 15th falls on a Sunday, usually it would be the 16th, but it is Emancipation Day in the District of Columbia, so for 2012 it is on April 17. We just shelled out a chunk of change to the IRS. It is always the dilemma, do you pay more throughout the year and get a refund, or do you have less taken out and have to pay in April? I can see it both ways, but I have to say in the end it is never fun to write a big fat check to Uncle Sam. (By the way, I have always felt bad for those men out there that are named Sam, that are also uncles – your name gets a bad rap does it not?)

So since many of us have to pay out a ton of money tomorrow, maybe it is also a day that we should pamper ourselves and do something that feels good. Something relaxing, something happy, something soothing. I enjoy the EaterPDX website for updates on new restaurants and food happenings in Portland. They have shared a list of restaurants nationwide that are giving discounts and deals on Tax Day, April 17. It might feel nice to get a deal if you just shelled out some cash to Uncle Sam.

Enjoy yourself tomorrow, don’t let the IRS get you down.

What? What? What? Would you share your Facebook + Email Passwords?

Posted by random olio

I had a different blog post in my head today, and then I read this news article and I just was appalled. My two second recap of this news article is that job seekers are being asked to give their username and password for their Facebook and email accounts so that potential employers can look at their accounts and see if there are any issues they might need to be aware of. Definitely read the full CBS News article here as it gives the full context.

Personally I keep my Facebook profile private to my Facebook friends only. To me it is a conversation between me and those I decide I want to be friends with on Facebook. I have been specific about who I have accepted and who I have not. I do not accept requests from everyone that “Friends” me, although others might. If I specifically made my profile public than it is any potential employer’s decision if they want to google me, or look at my public Facebook profile. If I make it private, then I should not be out of the running for a job because I do not wish the company to invade my personal life.

To me it is an invasion of my privacy and a matter of principle. It is also an invasion of your friend’s privacy (email addresses, contact information, and content). I can assure you, I am not appalled by this because I have something to hide. I am appalled because of principle. As it is, the boundaries between professional and personal lives are narrowing. You can do a bulk of work transactions on your phone, or from home, blurring the lines between your day job and your personal life. Is it too much to ask to have a few places that are sacred for your personal life? Maybe at the office you are a manager with a principled and driven approach to managing your team, yet on Facebook a softer side of you shows with comments regarding friend’s babies. Maybe that is not the side of you, that you want the office to see, so you purposely did not friend folks from work so you could have a life and friends separate from work.

What will be next? Will employers ask for passwords for our checking accounts and our credit cards to see what we purchase? How about our library card accounts to see what we are reading? I have many issues with anyone asking for a password for any account. For one thing, many of us use the same password for multiple accounts, so how is it even legal to ask for this type of private information? Another issue I have, is where is the privacy of our personal lives? Does the potential employer need to know that your good friend just died and your Facebook friends have been consoling you? No. You might have been just trying to keep it together each day as you work through the loss of your friend. Is that the potential employers business? No. Why would it ever be okay for a potential employer to have access to your email account, where you may receive emails from your bank, credit card company, mom, sister, etc.?

Maybe what is needed is not so much focus on social media and job seekers, but for employers to hone the skills of those interviewing to be more savvy with their “reading people” skills to ask the right questions of the job seeker. The interviewer can work to get to know the job seeker as a person sitting in front of them, rather than spending their time focusing on what their friends might post on their Facebook wall. What did employers do before Facebook and Twitter? Has Facebook become such a view into a person, that it overpowers the skills and experience of the job seeker?

Please read today’s CBS article. For more information about legislation in Illinois, here are more details, and in Maryland, here are more details. Both states are working to pass legislation that would bar employers from requesting usernames and passwords to job seeker’s social media profiles. More states should be passing this type of legislation. We deserve more privacy. Job seekers should not be put in a position that they feel awkward and withdraw their application or that they willingly go along with such invasion of privacy because they have mouths to feed at home.

Still appalled in Portland.

UPDATE ON 3/23/2012: Facebook has released comments urging employers not to ask for password s.

Women are Kickass: International Women’s Day

Posted by random olio

I have been on a women kick lately. Heck, when am I not on a women kick? Today is International Women’s Day. I have been writing about a few women’s issues in the news that have bothered and angered me. Today, however, is about cherishing and embracing women. In honor of women all over the world, I ask you (both men and women): What woman has most inspired and empowered you?

Is there a woman that has taught you to speak up and confidently use your voice? Has she taught you to value yourself, care about others, give back to your community? Is she your mother, grandmother, lover, friend, teacher? How has she been your role model? Today I want to think about and cherish those that have helped me to play, be creative, frolic, get my hands dirty, while also encouraging me to be direct, strong, and principled and to live confidently and boldly.

Do something amazing today in honor of the bravery and equality of women. Be grateful for all the women that have come before us, risked their lives, and taken a stand for what they believe in.