Random Olio Snippets: 1

Posted by random olio

I am trying something new. Once a week (on no specific day of the week) I want to share snippets of a few “random olios” or ideas from my week. Often I have random thoughts I want to share, but they are short and so in 2013 I have decided to share small snippets together in one post each week. We’ll see!

More books for me! – Thank you to a work colleague, I just found out that I can check out books from libraries in another county. She made my day. Call me a dork, but it gives me the ability to find books that never make it to my county library locations. For those of you in the Portland area, there is the Metropolitan Interlibrary Exchange (MIX) and they have a reciprocal borrowing agreement with libraries in neighboring counties (I can explain more if anyone has questions). If you are not in Portland, maybe you have a similar consortium in your town or local area.

Facebook Graph Search – Not sure what I think about this yet. It is a beta version, and I have not signed up for this feature. 2012 was the year that I put myself out there in the online community, and this online world is starting to feel limitless. In some ways, as online search capabilities grow, so does the potential of someone’s community to grow. Yet, I wonder if there is point where it all goes to far? There is connection and community, and there is TMI. Too much information exposed to the whole world. I have at times wanted to find something on my own page on Facebook and not been able to find it, but separate from that, what do we really need to search and know more about our Facebook friends? I would love to hear different opinions on this topic!

Social Security – Starting February 15, $61 billion in Social Security benefits are due, but the federal government might only be able to cover 60% of that. Yikes. Yet, CNN Money was the only place I found that was talking about this massive oversight? Why are other news outlets not talking about this? This should be front and center. It would be important to me if I was in the age range to collect benefits. This does continue to remind me that while I am paying into Social Security, I should not expect it to be there for me when I retire. Food for thought.

IRAs – we can now contribute $5500 a year (up $500 from 2012), $6500 for those over 50 years old, into IRAs for 2013.

All random I know, but hey, that is why this blog is called Random Olio – you never know what will inspire, bring me to tears, or piss me off!

Shift your attention

Posted by random olio

I recently found this great blog: The heART of Living by Emily. I cannot even remember how I came across it. She inspired me last week, and I want to share a quote from her blog post, in hopes that passing on her inspiration will help you as it did me:

“Our realities are shaped around where we place our attention. If we focus on negativity, then our life situations will reflect negativity. If we focus on qualities and behaviors that we would like to invite into our lives, then our life situations will eventually shift to reflect that reality. The difficulty is that often times we are unaware of what we’re focused on. Usually we’re unconsciously repeating habitual tendencies and patterns of thought that have been formed by the way we were raised and our life experiences. By practicing awareness on the yoga mat, in our interactions with others, or by simply observing our own thoughts and emotions, we start to realize where and how we place our attention.”

Recently I have felt bogged down by a few things that have not shifted or changed in my life. I find that in that struggle I can go the route of being negative, and dreading the outcome if things do not shift. I forget that focusing on the negative, or as some might call, the glass half empty, then that is the energy I am inviting into my life and experience. At times I am very aware of my negativity and at other times, I am completely oblivious.

What I need to do is focus on the good going on around me, and not focus on what has not happened. I actually really enjoy focusing on gratitude and appreciating the experience I am in, but there are times when I fear that the choices I have made are having a negative effect on other events in my life. If I move away from fear, and stay in the present, then I cannot get sucked into the negativity. The hope is that by staying in the present, my attention will go to what is happening right now. Where I spend my time, the event, activity, and individuals I am spending my time with will then find me with a glass half full. What we focus on is what we bring into our experience. Even on those rough days, we can take a break, take a breath, and remember to bring a half full, (or hey how about full) glass to the table. When it is full, there is more goodness to share!

What do you think?

Laugh lines, cars, and smiles…

Posted by random olio

One of my favorite things about Chris’ face are the laugh lines around his eyes. They are precious to me. I have watched them change over the past 10 years, and hopefully I have been one to help add to them. Those precious lines that show happiness and honesty. You can usually always tell when someone is giving you a real smile or laugh, just by the lines around their eyes.

There is nothing that makes my heart sing and a smile grow on my face than someone else laughing. The sound of a baby or child giggling uncontrollably is the sound of bliss in my ears. What could be better? On the other end of the age spectrum, is the man at the end of the below video. So precious.

I am not a fan of advertisements, but I have to give credit where credit is due. This VW ad campaign is clever, because it brings out your emotions. Instead of VW telling you all about their cars, and what is new, they instead speak right to your heart. They encourage you to stop, take a break, breathe, and laugh. You forget they are selling a product and allow you to just remember VW. The theme of this video is: “It’s not the miles, it’s how you live them.”

Enjoy and start watching for those laugh lines, they tell you a lot about an individual. Do not forget to smile and laugh today!

Oh, Behave…

Posted by random olio

Can you change my feelings and sway me? Seth Godin says: “The only purpose of ‘customer service’…is to change feelings.” I believe him, well almost. I think it should be a part of customer service. We each have a right to be treated as humans, connect with individuals, and enjoy our customer experience. Yet, so often, our experience has little to no human contact, no personal connection, and feels robotic. Where did I find this quote from Godin? I came across this blog post from back in October while thinking about the idea of “service.” The full quote says:

“The only purpose of ‘customer service’…is to change feelings. Not the facts, but the way your customer feels. The facts might be the price, or a return, or how long someone had to wait for service. Sometimes changing the facts is a shortcut to changing feelings, but not always, and changing the facts alone is not always sufficient anyway.”

Imagine if every individual that worked in some type of service environment made it their mission to impact, change the mind of, or shift the thought of at least one customer a day. In the grand scheme of things that would not be that hard, and maybe that is already happening in every company in the world. But, what if those interactions were shared, and we saw the ripple effect? What if we did know of the impact we had each day, or that we changed how an individual felt? Would we do more to ensure that our behavior happened more often? If we had positive reinforcement of our behavior would that start a domino effect?

There are businesses out there that are changing the nature of customer service. Their impact could mean we eventually have a better customer experience, but I shudder as I think about the impact of technology on service. On the one side you might have a more efficient, yet robotic process, allowing the customer to track down their own answer. In many cases, this works. When a customer does not find their own answer, then it is often a dead-end. When the situation needs a personal touch, a ruffled edge smoothed, or when the issue needs live problem solving that only a human can answer, where is that service? Many companies would say it is too costly to provide that kind of service, yet what does that say about the true value of their customer?

What would it truly take to bring back the human interaction and accountability of service? Is customer service heading in the direction of Wall-E?

Less money in your paycheck?

Posted by random olio

Unless you make buttloads of cash, you might have been scratching your head and wondering why your paycheck was considerably smaller this week. I am not complaining, as it is what it is. Politics aside we could be in a worse situation where we are out of even more money. Let’s face it, our country is in major debt and that is not going away anytime soon.

In case you do not know the specifics, the Social Security payroll tax rate is currently 12.4%. Employers pay 6.2%, and for the past two years employees have paid a reduced rate of 4.2%. With the recent fiscal cliff changes, that reduction will now go back to the normal 6.2% which means that employees will now pay 2% more Social Security tax (as we did in 2010). This is also true for those who are self-employed (if you make more than $433). According to Kiplinger: “Originally a one-year break, the holiday was extended at the last minute to cover 2012. Extending it again to cover 2013 would have cost about $100 billion…”

As an example: if you make $50,000 a year, you will now take home $1000 less a year, or about $38 a paycheck (about $80 less a month). If you are a dual income family, the amount is much higher of what will be lost in your take home pay.

A question: If I am paying more tax now in 2013, does that mean I will have a higher refund in 2014 due to paying more taxes now? The answer: Yes. Depending on your allowances. Since I am not the expert, here is Kiplinger’s answer: “By eliminating overwithholding of income tax, the average taxpayer who normally gets a refund can both defeat the paycheck-shrinking impact of higher payroll taxes and add a couple thousand dollars to 2013 take-home pay. (Yes, you’ll be giving up a fat refund in 2014, but wouldn’t you rather get your money when you earn it?)” Complete answer, full article, and their calculators.

What I find odd is that the Social Security website has not been updated with the 2013 rates and details. Kind of sad considering my company was able to make changes in their system to ensure that the Federal government received the extra 2% out of the first paychecks of the 2013 calendar year. Yet, the government still has not updated their website about the changes. Seriously?

Another interesting fact I found: “…many workers do not know that any annual wages above $106,800 are not taxed by Social Security. In other words, a worker who makes twice the Social Security wage cap – $213,600 per year – pays Social Security tax on only half of his or her earnings, and one who makes just over a million dollars per year pays the tax on only about a tenth.”

In case you are wondering: These are the 13 tax changes going into effect in 2013.