Posts tagged “money”

ChittahChattah Quickies

  • [from steve_portigal] Ont. parents suspect Wi-Fi making kids sick [CBC.ca] – ["Proving" something is causing health problems is tough; but our willingness to believe with full certainty is powerful. We see this perception as a barrier to adoption in many categories of products and services.] A group of central Ontario parents is demanding their children's schools turn off wireless internet before they head back to school next month, fearing the technology is making the kids sick. Some parents in the Barrie, Ont., area say their children are showing a host of symptoms, ranging from headaches to dizziness and nausea and even racing heart rates. They believe the Wi-Fi setup in their kids' elementary schools may be the problem. The symptoms, which also include memory loss, trouble concentrating, skin rashes, hyperactivity, night sweats and insomnia, have been reported in 14 Ontario schools in Barrie, Bradford, Collingwood, Orillia and Wasaga Beach since the board decided to go wireless, Palmer said. "These kids are getting sick at school but not at home," he said.
  • [from steve_portigal] Budgets Tight, School Supply Lists Go Beyond Glue Sticks [NYTimes.com] – [A cultural reframe moment; retail is there] Schools across the country are beginning the new school year with shrinking budgets and outsize demands for basic supplies. On the list for pre-kindergartners at McClendon Elementary in Nevada, TX.: a package of cotton balls, two containers of facial tissue, rolls of paper towels, sheaves of manila and construction paper, and a package of paper sandwich bags.Retailers are rushing to cash in by expanding the back-to-school category like never before.Now some back-to-school aisles are almost becoming janitorial-supply destinations as multipacks of paper towels, cleaning spray and hand sanitizer are crammed alongside pens, notepads and backpacks. OfficeMax is featuring items like Clorox wipes in its school displays and is running two-for-one specials on cleaners like gum remover and disinfectant spray. Office Depot has added paper towels and hand sanitizer to its back-to-school aisles. Staples’ school fliers show reams of copy paper on sale.

ChittahChattah Quickies

  • Geek Power: Steven Levy Revisits Tech Titans, Hackers, Idealists [Wired] – The real problem, Greenblatt says, is that business interests have intruded on a culture that was founded on the ideals of openness and creativity. In Greenblatt’s heyday, he and his friends shared code freely, devoting themselves purely to the goal of building better products. “There’s a dynamic now that says, let’s format our Web page so people have to push the button a lot so that they’ll see lots of ads,” Greenblatt says. “Basically, the people who win are those who manage to make things the most inconvenient for you.” [Strongly worded insight about the state of Internet business rings tragically true /SP]
  • Organizing Armageddon: What We Learned From the Haiti Earthquake [Wired] – One of the biggest ideas to hit the humanitarian community in the past decade is the notion of surveying the recipients of aid to see what they think. That’s very commercial ­ treating them more like clients than victims…After the Asian tsunami, the Fritz Institute conducted one of the first-ever surveys of aid recipients. Only 60 percent of families surveyed in India and Sri Lanka said they had received timely aid and were treated with dignity in the 60 days after the tidal wave hit. Almost everyone reported getting water within the first couple of days, but just 58 percent of Sri Lankans reported receiving shelter in a timely manner. In general, post-disaster studies tend to measure “throughput indicators” like how much food was distributed, or how much shelter got provided, instead of “output or outcome metrics” like lives saved or suffering alleviated. [A powerful reframe on saving lives, with more cultural shifts clearly needed. /SP]

ChittahChattah Quickies

  • Learnvest: Our mission is to provide unbiased financial information to all women – Women have come a long way financially over the last three decades. Women today make up half of the professional work force and are found to buy or influence 80% of all consumer purchases in the United States yet they continue to lag behind men when it comes to managing their personal finances. According to a 2006 Prudential financial poll, 80% of women say that they plan to depend on Social Security to support them in their golden years and 38% of women 30-55 years old are worried they will live at or near the poverty level because they cannot adequately save for retirement. So even today–despite coming so far in many ways–too many women are still ignoring their finances. LearnVest provides a solution that is relevant and timely – it is something women need.
  • Some Queries Prompt Google To Offer Suicide Hotline [NYTimes.com] – Last week Google started automatically giving a suggestion of where to call after receiving a search seemingly focused on suicide. Among the searches that result in an icon of a red phone and the toll-free number for the National Suicide Prevention Lifeline are “ways to commit suicide” and “suicidal thoughts.” The information takes precedence over the linked results and is different and more prominent than an advertisement. Guidance on suicide prevention was suggested internally and was put in place on Wednesday.
  • Virginia Heffernan – The Medium – Online Marketing [NYTimes.com] – An online group becomes formally classified when it comprises an advertising category. That’s the magic point in e-commerce: when the members of an online group turn eager to purchase, say, tank tops or bottles of sauvignon blanc as badges of membership in communities like the ones that flourish at Burton.com or Wine.com. The voluminous content that these sites produce — blogs, videos, articles, reviews, forums — becomes the main event. To sell actual products, the company then “merchandises” that content, the way museums and concert halls and, increasingly, online newspapers hawk souvenirs, including art books and hoodies and framed front pages. At the moment when content can be seamlessly merchandised, a group has generally developed robust forums in which the members (hoarders, mothers of twins, bodybuilders) develop codes and hierarchies and a firm notion that this is a place where they can finally be themselves.

ChittahChattah Quickies

  • Klaus Kaasgaard: Why Designers Sometimes Make Me Cringe [interactions magazine] – [A response to Dan Formosa's piece about marketing research] There is no doubt that Formosa has been exposed to a lot of bad market research in his career. So have I. But I have also been exposed to a lot of bad design research, whether dealing with qualitative data or quantitative data. I cringe at both. And while we should point out when the emperor has no clothes in our daily work situations, it is not the bad research that defines a discipline. I have been exposed to both good market research and good design research as well and, more important, some of the most compelling and impactful research combined different research techniques for a more comprehensive and insightful outcome. That, I suppose, leads me to my conclusion.
  • How many Kindles have really been sold? (And other interesting tidbits about ebooks) [Mobile Opportunity] – Some interesting numbers about the size and dynamics of the market: sales, usage, platforms, content. One highlight is the preferred device used to read ebooks
    -PC: 47%
    -Kindle: 32% (and rising in later waves of the survey)
    -iPhone: 11%
    -iPod Touch: 10%
    -Other smartphones (including Blackberry) 9%
    -Netbooks 9%
    -Sony Reader 8%
    -Barnes & Noble Nook 8%
  • Secret Society for Creative Philanthropy [SF Chronicle] – Altruism is the whole idea behind the new charity, called the Secret Society for Creative Philanthropy. It's the brainchild of Courtney Martin, a South of Market writer who dreamed up the idea four years ago in New York and has handed out a stack of her own $100 bills every year to select good-deed doers who agree to dream up unusual ways to use the dough. Jeremy Mende took a stack of cash to Union Square and offered pairs of strangers $1 apiece if they would have one-on-one conversations with each other. Then he videotaped the conversations and made a home movie. The strangers talked to each other about sex, fireworks, banana slugs, gin, orgasms and Marlon Brando. Some of the conversations were worth a lot more than $1. The best idea seemed to come from Martin's own mother. She used her $100 to buy 400 quarters and scatter them on a grammar school playground.
  • R.J. Cutler: What I Learned From Anna Wintour [HuffPo] – Some principles of management from the director of The September Issue. We watched the film this week and highly recommend it. I thought about work as well; the film offers up lots of provocation around collaboration, artistic vision, managing teams of people, power, prototyping, and more.
    (via Kottke)

ChittahChattah Quickies

  • Zach Gage’s Antagonistic Books – A set of two books and instructions for how to build them. ANTAGONISTIC BOOKS turns the emotions and actions surrounding the banning of books into physical objects that undermine the user.

    Danger reenacts what has historically been done to dangerous literature, self-immolating when opened.

    Curiosity represents the notion that many book-banners feel, that the true danger of literature is that once you've opened a book you have been forever changed and can never go back. Emulating this notion, Curiosity can never be closed. Once opened, it is locked in an open position forever.

    (via Waxy)

  • Netflix agrees to delay in renting out Warner movies [latimes.com] – "This deal uniquely works for Netflix because our subscribers are desensitized to street dates and more interested in being matched to the perfect movie," said Ted Sarandos, Netflix's chief content officer, who handles studio relationships. "Some subscribers will so passionately want to see it in the first 28 days they may go out and buy it, just as some people want to see 'Avatar' so badly they pay to watch it in 3-D." [Snort! Guffaw!]
  • Book Industry Study Group – BISG is the leading U.S. book trade association for supply chain standards, research, and best practices. For over 30 years, BISG has been working on behalf of its diverse membership of publishers, retailers, manufacturers, distributors, wholesalers, librarians and others involved in both print and digital publishing to create a more informed, empowered and efficient book industry supply chain for both physical and digital products.

    In seeking support from and representing every sector of the book industry, BISG affirms its belief in the interdependence of all industry segments. BISG understands that success in business is often easier to achieve through joint effort and that common problems are best solved together.

  • How to create new reading experiences profitably [booksahead.com] – Books have served well as containers for moving textual and visual information between places and across generations. [digita] books need to be conceived with an eye on the interactions that text/content will inspire. Those interactions happen between the author and work, the reader and the work, the author and reader, among readers and between the work and various services, none of which exist today in e-books, that connect works to one another and readers in the community of one book with those in other book-worlds….Publishing is only one of many industries battling the complex strategic challenge of just-in-time composition of information or products for delivery to an empowered individual customer. This isn’t to say that it is any harder, nor any easier, to be a publisher today compared to say, a consumer electronics manufacturer or auto maker, only that the discipline to recognize what creates wonderful engaging experience is growing more important by the day.
  • New York, 2009 [Flickr] – My photos from my recent trip to New York City. Art, street art, strange signs, people watching, and other observations. Check it out!

ChittahChattah Quickies

  • Jobs on the Kindle, January 2008 – Today he had a wide range of observations on the industry, including the Amazon Kindle book reader, which he said would go nowhere largely because Americans have stopped reading.

    “It doesn’t matter how good or bad the product is, the fact is that people don’t read anymore,” he said. “Forty percent of the people in the U.S. read one book or less last year. The whole conception is flawed at the top because people don’t read anymore.”

  • Roger Ebert’s Books Do Furnish A Life (plus a ton of amazing comments) – I cannot throw out these books. Some are protected because I have personally turned all their pages and read every word; they're like little shrines to my past hours. Perhaps half were new when they came to my life, but most are used, and I remember where I found every one. The set of Kipling at the Book Nook on Green Street in Champaign. The scandalous The English Governess in a shady book store on the Left Bank in 1965. The Shaw plays from Cranford's on Long Street in Cape Town, where Irving Freeman claimed he had a million books; it may not have been a figure of speech. Like an alcoholic trying to walk past a bar, you should see me trying to walk past a used book store.

    Other books I can't throw away because–well, they're books, and you can't throw away a book, can you? The very sight of Quick and Easy Chinese Cooking by Kenneth H. C. Lo quickens my pulse. Its pages are stained by broth, sherry, soy sauce and chicken fat.

  • Seats Of Gold – A writer's experience in the newly-redefined "luxury" seats at the new Yankee Stadium. Fascinating as Wall Street hyper-greed spills into other industries and illustrates how to kill loyalty dead. Hard to summarize this piece, but it's a great case study and a well-written piece as the author documents their own experience supplemented with a lot of background interviews.

Frames of Reference at the Zoo

A morning at the Santa Barbara zoo reveals some interesting frames and reframes.

foster
Donors to the zoo are “Foster Feeders”, a more nurturing and sustaining view of how cash ends up as food.

change
Adding a card to a parking meter is an attempt to present the payment-for-service device as a donation opportunity. It’s a bit of a leap and maybe not the right connotation for the zoo’s purposes.

giraffes
You could pay to ride with a plastic giraffe, or you could gaze upon a real one.

bench
Even the benches are up for sponsorship. Here’s a plaque-hole which may simply be a lack of maintenance but gently offers the possibility of Your Name Here.

man
On display at a new exhibit: Man.

wrist
Cockroaches made all the more frightening when a puppeteer-like hand enters the frame to flip them over, pluck out the dead ones, and drop off some food.

egg
Everyone gets the chance to be a zoo animal!

ChittahChattah Quickies

  • Report: Real-world police forensics don't resemble 'CSI' – Even before the popularity of shows like CSI, there was presumably a cultural belief in the "science" behind these techniques. But the report finds that:
    – Fingerprint science "does not guarantee that two analysts following it will obtain the same results."
    – Shoeprint and tire-print matching methods lack statistical backing, making it "impossible to assess."
    – Hair analyses show "no scientific support for the use of hair comparisons for individualization in the absence of (DNA)."
    – Bullet match reviews show "scientific knowledge base for tool mark and firearms analysis is fairly limited."
    – Bite-mark matches display "no scientific studies to support (their) assessment, and no large population studies have been conducted."
  • NJOY electronic cigarette – Looks like a real cigarette, complete with glowing tip on inhale, and exhaled vapor that resembles smoke. Gives an inhaled nicotine experience, while messaging to the rest of the world that you are really smoking a real lit cigarette. Paging Erving Goffman?

    Someone was using one a party last week; someone else got out their simulated Zippo lighter (an iPhone app) and lit it for them.

ChittahChattah Quickies

  • Henry: High earner, not rich yet – [Blogging this purely for the acronym]
    "HENRYs, an acronym we'll use to describe people whose financial situation can be summed up by the phrase "high earners, not rich yet." (I coined the term for a Fortune story in 2003 on the alternative minimum tax, or AMT, the bane of the HENRYs.) Put simply, the HENRYs are the bulwark of the professional and entrepreneurial class that drives the economy. Look in the mirror, Fortune reader, and you'll probably see a HENRY."
  • INFLUENCE AT WORK – Proven Science for Business Success – Robert Cialdini's business site for his work on persuasion
  • Robert Cialdini designs program where utility customers get smileys or frownies on their bill in comparison with neighbors – Last April, it began sending out statements to 35,000 randomly selected customers, rating them on their energy use compared with that of neighbors in 100 homes of similar size that used the same heating fuel. The customers were also compared with the 20 neighbors who were especially efficient in saving energy.
  • Coca-Cola Deleting ‘Classic’ From Coke Label – The Coca-Cola Company is dropping the “Classic” from its red labels in some Southeast regions, and the word will be gone from all of its packaging by the summer, the company said Friday. The font size of the “Classic” has been shrinking in the last decade, and the company removed it from labels in Canada in 2007.

    The language on the side of the label where it now says “Coke original formula” will change to say “Coke Classic original formula.” “Every place else in the world it is called Coca-Cola, except for in North America."

Paying for ease-of-use/trust

Yesterday’s NYT Magazine article about the check cashing industry offered an insightful anecdote about the sometimes counter-intuitive tradeoffs people make:

I met Oscar Enriquez leaving the Nix branch in Highland Park, a working-class area near Pasadena. He was skinny and just shy of middle age, with a quick grin and tattoos down his sunburned forearms. Enriquez worked in the neighborhood as a street cleaner; he picks up trash and scrubs graffiti. The job paid about $425 a week, he told me, a good chunk of which he wired to his wife, who has been living in Mississippi and taking care of her ailing mother. He told me he tries to avoid debt whenever he can. “If I don’t have money, I wait until the next payday,” he said firmly. “That’s it.” But he pays a fee to cash his paychecks. Then he pays even more to send a Moneygram to his wife. There’s a bank, just down the street, that could do those things free. I asked him why he didn’t take his business there.

“Oh, man, I won’t work with them no more,” Enriquez explained. “They’re not truthful.”

Two years ago, Enriquez opened his first bank account. “I said I wanted to start a savings account,” he said. He thought the account was free, until he got his first statement. “They were charging me for checks!” he said, still upset about it. “I didn’t want checks. They’re always charging you fees. For a while, I didn’t use the bank at all, they charged like $100 in fees.” Even studying his monthly statements, he couldn’t always figure out why they charged what they charged. Nix is almost certainly more expensive, but it’s also more predictable and transparent, and that was a big deal to Enriquez.

Banks (and phone companies, cable companies, airlines, etc.) are institutions that are not easy to use. There’s a lot of fine print, arcane legalese, hidden fees, and a general lack of transparency. Here’s someone with a limited amount of income that makes the calculation and pays a significant amount of that limited income to avoid going through that. The relationship with the bank failed for Oscar, and he’s paying money to avoid dealing with them.

We normally think of the privileged as those who buy their way out of inconvenience and hassle, but really, it’s something we do at all income levels. It’s just that our experiences frame what is and isn’t a hassle. If we’re middle class then we expect to be jerked around by Big Business because we have all our lives-as-consumers. If we’re lower class and we haven’t had those experiences, it may be less likely that we’ll tolerate them.

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