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Everybody Has At Least One

From the title you might have expected that I was alluding to the comparison that people make between an anatomical feature and excuses. If that were the case, I’d have finished with, “and they all stink.” What I’m referring to is a little different, though my reason for writing about them is a personal frustration.

Virtually anyone you talk to has words or phrases that they use repeatedly. More than appropriately “seasoning” the conversation with their words and/or phrases of choice, they go way overboard to the point that it’s hard to talk to them. I’m not exempting myself from this group of people, though I have yet to identify what words and/or phrases I overuse.

Identifying these kinds of words and phrases is very important because even if you’re otherwise fun to talk to, using the same language over and over again is very tiring. At the very least it’s a waste of breath and other people’s time. Another reason you want to make a mental note of such words and phrases is that you don’t want to pick them up yourself. It’s sad but true: I honestly try to keep my conversations with some people to the bare minimum for these very reasons!

Here are some that I’ve noticed recently during conversations with friends, coworkers, and family.

“Again” and “Like I said”. There’s a salesman who I interact with on a fairly frequent basis and he can’t spit out a single thought without starting the phrase with, “Again, (short but dramatic pause) . . .” It really drives me crazy. On some level it’s actually quite funny because even the first time that a topic comes up in the course of a single phone call, he’ll introduce it with his favorite device. Sometimes I’ve come very close to half-jokingly telling him that the word “again” is off limits for the remainder of the call. Since that’s a little rude, I’ll never do it, but I’ve sure wanted to. Maybe to keep myself sane the next time we talk, I’ll jot down tick marks each time he uses it . . .

My recommendation: Try hard to never use it at the beginning of a sentence the way the salesman does. That way if it occasionally slips out, you will probably not have overused it.

“Is, is”. Some people are better than others at forming sentences from thoughts. Among the “others” there is a small group of people who insist on repeating the word “is” whether or not it’s really necessary. Here’s an example: “The problem is, is there are too many people in this room.” Occasionally we all paint ourselves into this type of a phrasing corner, but some people have a real talent for doing it over and over again.

My recommendation: Try hard not to phrase your thoughts in a way that requires you to say “is” two times right in a row. When it does happen, make a mental note of how you ended up in that predicament and later think through a better way to say it. The example sentence could just have easily read: “The problem is that there are too many people in this room.” Occasionally you might leave an extra long pause between the two “is’s” which somehow makes it sound marginally better.

“I was just going to say”. During college, there was a really nice guy who sat in the back row next to me. He was sharp, and his comments truly did add to the classroom discussion. Unfortunately, I cringed whenever he raised his hand because he unfailingly prefaced anything he said with, “I was just going to say.” When people want to spit it out quickly so they can get to the actual thought, they’ll often shorten all the words and run them together: “Iwuhjusgunsay”, “Isjusgunsay”, or even “jusgunsay”.

My recommendation: Even if you actually were “just going to say” something, don’t waste your breath (and everyone else’s time) articulating that. Just skip the useless introduction and share whatever it was that you were “just going to say.”

“Goes”, “go”, “went”, etc. Many adults hang onto the bad habits they acquired during their younger years. If you’re spending lots of time with teenagers and/or want to sound younger, by all means use “goes/go/went” instead of “says/say/said” — just don’t expect most of your coworkers to take you very seriously.

My recommendation: Just don’t use these words in this context.

Like”. Used as a verb there’s nothing wrong with the word of course, but it’s pretty obvious that anything a “valley girl” might say is something to be avoided. In certain contexts (such as comparisons) it’s perfectly fine, but picture the way it’s used by teenagers, and that’s how adults (at least those of us who want to be taken seriously) should not use it. “And so I’m like, ‘No way!’ And she’s like, ‘Yes way!’”

My recommendation: Even in situations where “like” might be appropriate I try hard to use a different word instead to avoid, by a nice wide berth, sounding like a teenager. (Did you like, like that?) Some phrases that might be used in place of “like” include: “Somewhere in the neighborhood of”, “Almost”, “Nearly”, “About”, etc.

“Literally”. Some people I’ve known attempt to add emphasis to some pretty insignificant ideas by tossing in the word “literally”. Occasionally they actually do mean “literally” but the thought doesn’t require it: “I must have waited literally three minutes for her to call me back when she said it would be right away.” Other times they use it when there’s no possible way for them to mean “literally”: “I must have literally told my kid 8,000,000 times not to climb on the table.”

My recommendation: Be sure to use it only sparingly and when you really mean it.

“So”. Someone I love (who shall remain nameless) has devised her own way of filling uncomfortable pauses while on the telephone: using the word “so”. She has also found that it’s a handy way of changing subjects, interjecting (or introducing) a thought, or indicating to the party on the other end of the phone that she is still listening. Since she never reads this blog it’s unlikely that she’ll ever know I was talking about her, but even if she does happen upon this post, she already knows it’s a word I wish she’d stop using so much.

Another annoying way that some people use the word “so” is to add emphasis: “Thank you SOOOOOOOOOOO much!”, “I love you SOOOOOOOOOOOO much!”, and “I am SOOOOOOOOOOO sorry!”

My recommendation: Find other ways of filling pauses, changing subjects, interjecting (or introducing) thoughts, and showing your attention. Instead of using “so” to add emphasis, use “very”, “really”, “extremely”, etc. See if you can avoid using the word “so” unless you intend to use it in combination with “that”: “I am so tired that I need to go straight to bed.”

“This”. In many cases, it is perfectly appropriate to use the word “this”. Unfortunately, it’s overused by teenagers and brainless celebrities the (English-speaking) world over, usually when relating a story. “There was this guy, and he was driving this red car when this van came out of nowhere and caused this huge accident!”

My recommendation: See if you can avoid using the word “this” unless you are physically near the physical object. When referring to non-tangibles, try not to use “this” unless you’re only discussing a single idea/etc. and everyone knows precisely what you’re referring to.

“Totally” and “Completely”. Only a few years ago “totally” wasn’t so terribly overused that we could get away without sounding like a valley girl when saying it. Unfortunately, that’s no longer the case.

My recommendation: Avoid using “totally” and “completely” unless no other words will work.

“Way”. Similar to the other words that should be avoided because of their association with teenagers, “way” will leave others wondering why they almost took you seriously: “The movie was WAY good!”, “I am WAY tired!”, and “I am WAY impressed!”

My recommendation: Don’t use it in situations like those mentioned above. You can get away with it when expressing some thoughts such as, “There’s no way I can . . .” and “The way I see it . . .” When it comes to ideas such as “That’s way more than I expected to pay,” try “significantly”, “substantially”, “a lot”, or “quite a bit.”

Question(s) of the day:

What words or phrases really annoy you? What words do you overuse? From whom did you pick those bad habits up?

Sorry About Early Appearance Of TCOTC #2

Last night I began assembling The Carnival of Thoughtful Consideration #2, and I was so tired that I thought it was time to publish it! I even read all the submissions and e-mailed all the participants, so I’m sorry to anyone I inconvenienced.

The Carnival of Thoughtful Consideration #2 will re-appear on Thursday per our normal schedule, so there’s still time to submit your posts!

This mistake might spell the end of late-night blogging which up until now had been working so well . . .

Fingerprints For A Storage Unit!?

We’re thinking about selling our condo since we’re bursting at the seams. The only problem is that you want to clear out the clutter when you’re showing the place because it makes it seem larger. As I’ve said before, I’m actually quite excited about the opportunity and motivation to review all the stuff we have and try to pare it down to a more manageable level.

Since there’s not a lot of on-site storage, we’ve had to look into alternatives. My wife belongs to a mom’s club in our town, and one woman has a detached garage with an attic that she’s willing to rent to us for $40/month. We visited it today, and it looks like it would be adequate for our needs. the disadvantage is that the staircase going up is pretty steep and narrow with no railing, so it will be tiring to run box after box up and/or down. A significant advantage is that she only lives about two miles from us, so it would be easy to get something quickly if we decided that we needed it.

We’ve also been looking into storage units in the area. After some research, we located one that sounded great. They had a special for three months (which is all the time we’re hoping that we’ll need) and they were only about 5-10 minutes away. We put a deposit down with a credit card, and then my wife went over to sign the papers and finalize the deal.

When she got there, they took a copy of her driver’s license (which we both dislike, but can understand) and then said they’d need to take fingerprints! Why the heck would they need those? My wife wisely refused and made them issue us a refund. She told them that there was no logical reason for them to require fingerprints and asked them for justification. They couldn’t come up with anything better than “it’s company policy.”

Since we told them to pound sand, we went to our second choice on the list. Just to see if we were completely off our rocker, my wife asked the lady there if they required fingerprints. She said no and agreed that it was VERY strange that the other place asked for them. Weird!

Question(s) of the day:

What strange unreasonable things have businesses asked from you? How do you handle it? Do you give in, or do you tell them where to go?

End-Of-Year Personal Finance To-Do List

Silicon Valley Blogger over at TheDigeratiLife.com has a great list of tasks that she is hoping to complete before (or just after) year’s end. I hope she won’t mind, but I’m going to copy her list and include thoughts (for my family’s situation) below each one.

  1. Review our credit card report and checking account expense report for the year and see where all the money went. This will be a very interesting exercise for us, as always. I generally try to keep up with our spending in Microsoft Money, but I’ve fallen a couple of months behind. It is very helpful to categorize the spending in order to run reports and analyze where you’re blowing it all. I’ve added a few new categories in order to more closely monitor our gift spending (gifts for friend, gifts for family, and gifts for our little family) this year, so that will give us more detail than we previously had.
  2. Review our annual account statements that are usually provided by financial institutions. I generally review these as they come in, so there’s not too much catch-up for us in this area.
  3. Evaluate our financial strategies such as debt reduction, investment plans, insurance policies and budgets. Since my wife is tired of running the numbers and talking about all my hair-brained plans for paying off our mortgage, we won’t be dedicating too much thought to debt reduction. Fortunately we’ve been able to pay everything off except our mortgages.
  4. Review and balance our portfolio. Despite the fact that I really like the way the words “investment portfolio” sound, I don’t really consider what we have a “portfolio.” In the strictest sense it probably is, but it’s a fairly uncomplicated/unsophisticated collection of two Roth IRAs, a 401k through work, savings and checking accounts, and a couple of CD’s. We don’t have a very clear definition of what “balanced” means to us, so it’s as balanced as it’s going to get until we come up with something better.
  5. Give away gifts to my children or other people within the gift tax limit. We contribute $10 a month (I know it’s not much, but we’re not saving enough towards our own retirement as it stands) to our children’s savings accounts, and without any “surplus” cash to speak of, we’re unlikely to do anything on this point.
  6. Check into our IRA accounts. We’re specifically going to look into having money automatically withdrawn each month from our checking or savings account. This has been a goal for quite a while now but for some reason we haven’t gotten around to it. One of the stumbling blocks has been that we’re not sure how much to throw at it each month, so we’re going to start with $10 each per month or whatever the minimum amount is that they allow. At some future date we’ll set some goals and bump up our monthly contributions. As it stands, our only contributions to our Roth IRA’s for calendar year 2006 will be whatever tax refund we receive (if any). Gosh, that’s awful! We are contributing 6% of my gross to my 401k, so we haven’t completely abandoned retirement savings . . .
  7. Ensure that the flexible spending plan we funded was well worth the time and trouble. This is our first year participating in an FSA, and we haven’t submitted any claims yet, so we will be evaluating how much trouble it is. High on our priority list is submitting our expenses to make sure that none of the money goes to waste!
  8. Take our losses like an adult. We don’t have anything to report here.
  9. Give to charity. Our primary charitable donations are through our church, and we do that on a monthly basis, so there’s no major push at the end of the year or need to catch up.
  10. Prepare for any end of year windfalls. Wouldn’t that be nice! I don’t expect any windfalls at all, but as I indicated, if we get a tax refund, it will all go towards our Roth IRAs. That’s obviously not the ideal way to fund it because we’re not dollar-cost-averaging, and we’re letting the size of our contribution depend 100% on what we receive, but it’s certainly much, much better than blowing the refund on some kind of purchase, or worse yet, using it as a down payment to incur more debt!

Question(s) of the day:

What is on your personal finance to-do list?

Disciplining Children – A Reminder For Parents?

Nobody every said that parenting was easy, but I don’t remember too many people talking about how much of a reminder it is for us as parents. Sure, we can think back to what it might have been like to be a child and on the receiving end of discipline, but that’s not what occurred to me today as I was disciplining my son.

He had trouble sharing a plastic car (the kind you sit on and use your feet to propel) with his little sister, so he was sent to time out following the plan outlined in 1-2-3 Magic. Unfortunately, instead of calming down like usual, he began kicking his door which he knows is a no-no. I warned him that if he didn’t quit, I would have to take away the plastic car. He continued and lost the car.

Since the kicking still didn’t stop, I warned him that he would also lose all his Thomas the Tank Engine stuff (his very favorite toys) if he didn’t quit. He continued and lost the other toys. Luckily for him, he stopped kicking shortly after that, so I didn’t have to take away anything else.

It took me quite a while to collect all his Thomas the Tank Engine stuff from all over the house, and it was during that time that a realization/question came to my mind: is it by design that we discipline our children to remind us that actions have consequences?

As adults, the circumstances and decisions that we face can be very complex. Sometimes we get caught doing things we shouldn’t, and other times we don’t, but there are still consequences for our actions. Children usually receive their punishment pretty quickly after committing the crime, whereas we may receive ours in this life or perhaps the next (if you believe as I do that there will be one).

This idea may not be too novel for you, or it might not strike you as strongly as it struck me today, but it may be that you never gave it very much thoughtful consideration.

Question(s) of the day:

What lessons have you learned about yourself while teaching, raising, and disciplining your children?