Tag Archives: transaction

The Power of Second Opinions

piggy bankWhile I consider myself an optimist who likes to think the best in people, I thank my Mom for raising me with a healthy degree of skepticism to keep things in balance.

If she didn’t, I think it would be safe to say that the Pollyanna in me might have fallen off the turnip truck, not seen the forest for the trees and may have gotten into financial hot water.

One life lesson that has proven invaluable has been the idea of getting a second opinion (…and sometimes a third.)

I don’t think a second opinion is needed when making small, routine purchases. Let’s face it, despite being starved for conversation after the pandemic lockdowns, we probably won’t make friends while canvassing for second opinions about long-lasting breath mints at the express check-out counter.

But to me, there are times when a second opinion makes sense to validate the necessity of an expensive transaction and that the associated costs are justified. Also, having a few moments to just take a deep breath and to absorb what we are being told without freaking out is an added bonus. Continue reading

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Electronic Transactions, Missed Opportunities?

There is no disputing that direct deposits and pre-authorized withdrawals have made personal finances much simpler.

Even if I am on vacation or feeling under the weather, it no longer matters if I am in the office on pay day. The money shows up in my account and shortly thereafter, the money comes out for the mortgage and utilities. (Easy come, easy go!) It is certainly convenient and saves me from standing in line to go pay the bills in person.

But in adopting this convenience, have we also phased out unique moments of joy? Are we missing out on moments to enjoy the fruits of one’s labour, the satisfaction of a job well done, and the incentive for why we work to earn a living?

Do you remember the thrill of your first job and getting paid for the first time? That was a feeling of power, wasn’t it? And do you remember the fleeting sense of financial independence and going to spend it on pizza, clothes, shoes, camera gear and journals… or maybe that was just me.

But the point is that there was a natural ebb and flow to earning, saving and spending. Receiving a paycheque was validating, rewarding and made me feel like I really made a contribution. The ritual of walking up to a teller or a bank machine and depositing this piece of paper that was the result of two weeks of blood, sweat and tears actually made me happy. It was also a motivator.
But now, with direct deposit and automatic withdrawals going on autopilot, I barely remember what week is pay week anymore.

A fond memory from the early years of my career, working as an assistant, was when the secretary was not in the office, I would be the one tasked with distributing the envelopes containing the paycheques. The warm reception and the smiles on people’s faces were something I will never forget. I even remember thinking to myself that this is what “spreading sunshine” is all about, making people happy like this. Continue reading

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